Frequent questions

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  I must see a doctor, how can I get my refund?
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  What does the medical expenses benefit cover?
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  How can I get my access code?
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  How do I subscribe ?
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  How do I access to the Policyholder's Area?
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  If I come back early, can I get a refund?

General information

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  Who is the policy intended for?
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  Why subscribe to Cap Tempo Expat ?
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  Why is Cap Tempo Expat cheaper than an expatriate insurance?
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  Does you credit card insurance cover you ?

Benefits

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  Covid-19 - What's covered by your policy?
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  If I come back to my home country temporarily, am I covered by the policy?

Medical expenses

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  Is there a waiting period?
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  What does the medical expenses benefit cover?
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  Whas does emergency dental coverage cover?
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  What does the optical expenses benefit cover?
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  Which sports are covered?
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  What is psychological assistance?
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  What is not covered by my policy?

Daily allowance

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  What is the financial allowance benefit?

Repatriation assistance

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  What does the repatriation benefit cover?
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  What is the early return benefit ?
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  I am hospitalised overseas, can a relative come to my bedside?
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  What does the search and rescue benefit cover?
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  What does the legal assistance cover?
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  Will my fellow travellers be covered for their return home?

Luggage benefits

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  What is baggage delay insurance?
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  What does the luggage benefit cover?
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  How is calculated the dilapidation?

Civil liability

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  What does the Private Life Liability benefit cover?
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  Am I covered when I drive a vehicle?
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  Am I covered as a tenant when I rent an apartment?

Individual Accident

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  What is the Personal Accident benefit?

Incident during Travel

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  What does "Flight delay" cover?

How to report an accident

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  Can I get the reimbursement on a foreign bank account?

Medical expenses

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  I must see a doctor, how can I get my refund?
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  I must see a dentist, how can I get my refund?
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  What should I do if I am hospitalised?

Repatriation assistance

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  I need assistance, what do I do?
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  A close relative is deceased or hospitalised, I wish to return, what should I do?

Luggage

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  How to report a problem with your luggage?
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  What should I do if my baggage is stolen during my trip?

Individual Accident

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  How to report a personal accident ?

Social security and CFE expatriate insurance

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  What is the CFE? What are the advantages and disadvantages of expatriate insurance?

Subscription

How to subscribe

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  How do I subscribe ?
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  Can someone else take out a policy for me?
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  How do I renew my contract?
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  Can I subscribe from overseas?
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  Can I insure my spouse or family on the same policy?
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  Are there any supporting documents to be submitted at the time of subscription?

Subscription deadline and length of policy

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  I don’t know how long I will stay overseas, what should I do?
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  How can I change my policy cover dates?
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  What is the subscription deadline?
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  Can I renew my contract?

Administrative procedures

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  How can I change my policy cover dates?
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  Do I need to send back signed documents?
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  I lost the document pertaining to my insurance, what can I do?

Payment

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  Can someone else pay for me?
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  Can I pay the insurance premium in instalments?

Cancellation

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  If I come back early, can I get a refund?
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  Can I receive a refund of my policy premium before I leave?

Medical teleconsultation

Teleconsultation : how does it work?

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  Is teleconsultation different from a usual physical consultation with a general practioner ?
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  In which medical cases is teleconsultation suitable ?
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  Do I have to pay for my teleconsultation?
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  Can I use teleconsulation as an emergency service ?

How does it work?

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  Do I have to pay for a teleconsultation ?
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  Will my medical fees following my teleconsultation be covered by my contract ?
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  How do I get a prescription ?
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  Can I get a medical report following my teleconsultation ?
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  Is my data safe and secured?

How do I access this service?

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  How can I get my access code?

The policyholder area

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  What's the policyholder area?
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  How do I access to the Policyholder's Area?