Working Holiday insurance comparison: 

All you need to know on Working Holiday insurance

You are about to head off on an adventure on a Working Holiday Visa? Regardless of your destination, you need to take out an adequate health insurance. You are wondering which is the best insurance for your WHV? Instead of telling you that we are the best, which you may not believe, we have compiled, for your perusal, a comparative table which shows the different insurance available on the market: a comparative table is better than a long speech!

CHAPKA ASSURANCES CAP Working Holiday	APRIL Pack Spécial PVT	ACS AMMI Globe PVT/WHV/EIC
GENERAL INFORMATIONS ONLINE SUBSCRIPTION YES YES YES DEFERRED PAYMENT 3 installment payment (+1.50% of the total amount) Monthly payment available (+3.00€/month) NO MEDICAL FILE TO BE COMPLETED UPON SUBSCRIPTION NO YES DECLARATION OF HONOUR SUSBSCRIBING CONDITIONS WHENEVER (You'll receive your contract by email) BEFORE DEPARTURE ONLY BEFORE DEPARTURE ONLY ZONE GÉOGRAPHIQUE DE COUVERTURE WORKING HOLIDAY VISA COUNTRY AND WOLRDWIDE NO LIMITATION WORKING HOLIDAY VISA COUNTRY AND WOLRDWIDE 90 DAYS MAX. WORKING HOLIDAY VISA COUNTRY AND WOLRDWIDE NO LIMITATION MEDICAL EXPENSES HOSPITALISATION & COMMUNITY MEDICINE UNLIMITED 100% OF ACTUAL COSTS, FROM 1ST EURO € 200 000 UNLIMITED 100% OF ACTUAL COSTS, FROM 1ST EURO OPTICAL COSTS ONLY IN THE EVENT OF AN ACCIDENT € 200 € 350 NO EMERGENCY DENTAL CARE € 500 € 200 € 300 MEDICAL EXPENSES IN FRANCE OUI € 1,000,000 in case of hospitalization € 15,000 community medicine YES € 200,000 € 80 max. per medical consultation YES € 15,000 maximum ++++++++ ++++++++ DAILY HOSPITAL ALLOWANCE € 50 PER DAY since 4th day in hospital NO NO MATERNITY 75% OF ACTUAL COSTS € 10,000 max NO NO PRESENCE DURING HOSPITALIZATION HOSPITALIZATION ABOVE 72H ROUNDTRIP TICKET + € 50 PER NIGHT € 500 MAX HOSPITALIZATION ABOVE 6 DAYS ROUNDTRIP TICKET + € 80 PER NIGHT 10 NIGHTS MAX HOSPITALIZATION ABOVE 6 DAYS ROUNDTRIP TICKET + € 80 PER NIGHT 10 NIGHTS MAX REPATRIATION & ASSISTANCE SERVICES REPATRIATION ACTUAL COSTS ACTUAL COSTS ACTUAL COSTS EARLY RETURN ROUNTRIP TICKET IN CASE OF DEATH OR HOSPITALIZATION ABOVE 48H (spouse, partner in a civil solidarity pact, legitimate, father, mother, brothers, sisters, grandparents) ROUNTRIP TICKET IN CASE OF DEATH OR HOSPITALIZATION ABOVE 5 DAYS (spouse, father, mother, brothers and sisters) ROUNTRIP TICKET IN CASE OF DEATH ONLY (spouse, father, mother, brothers and sisters, grandparents) SEARCH AND RESCUE EXPENSES € 5,000 max. per person € 25,000 max. per event € 5,000 max. per person € 15,000 max. per event € 3,000 maximum LUGGAGES LUGGAGE COVER DURING THE TRIP in case of theft with violence or burglary MAX € 2,000 ONLY DURING TRANSPORT MAX € 1,600 ONLY DURING TRANSPORT MAX € 1,150 SPORTS SCUBA DIVING YES max. depth 40m NO YES SURF / KITESURF YES NO YES HIKING YES YES YES SKYDIVE / PARAGLIDING NO NO NO CIVIL LIABILITY BODILY HARM AND CONSEQUENTIAL LOSSES FOLLOWING COVERED BODILY HARM € 4,000,000 € 4,000,000 € 4,575,000 PROPERTY DAMAGE AND CONSEQUENTIAL LOSSES FOLLOWING COVERED PROPERTY DAMAGE € 450,000 € 460,000 € 450,000 DEDUCTIBLE € 80 € 75 € 80 CIVIL LIABILITY FOR RENTALS ABROAD YES € 100,000/event YES included in property damage guarantee NO LEGAL ASSISTANCE COVERAGE OF LAWYER’S FEES € 3,000 MAX. € 3,000 MAX. € 3,000 MAX. BAIL ADVANCE € 7,500 € 15,000 € 7,000 ASSISTANCE IN CASE OF THEFT, LOSS OR DESTRUCTION OF ID DOCUMENTS OR PAYMENT MEANS FUND ADVANCE € 500 MAXIMUM FUND ADVANCE € 1,000 MAXIMUM FUND ADVANCE € 700 MAXIMUM HOW TO REPORT A CLAIM ? ONLINE expenses under € 500 ORIGINAL DOCUMENTS BY MAIL ORIGINAL DOCUMENTS BY MAIL
This information is not contractual. Please refer to the Terms and Conditions available on the distributor's websites

More information on Cap Working Holiday:

Cap Working Holiday is the only insurance policy that offers unlimited medical and hospitalisation expenses, with no excess. Most competitors on the market offer policies with expenses capped at 150,000 or 200,000 Euros, which may seem sufficient, however, in North America and Australia, a day in intensive care can cost $12,000. We’ll let you work out how much you will have to pay…

This policy relies on the largest insurance company specialised in servicing expatriates and the knowledge of Europ Assistance. In case of a serious accident when far away from home, one never regrets having subscribed to a renowned and quality repatriation service. This international health insurance policy covers you for repatriation assistance 24/7 but not only…

You will also receive other benefits such as “early return”: if a close relative passes away or is hospitalised when you are on your trip, we will cover your plane ticket to go to France and the return ticket should you decide to continue your trip. This benefit is also offered by our competitors, however, only in the event of the death of a close relative, not for their hospitalisation. To cut a long story short, you must read the fine print carefully!

For more information on our Cap Working Holiday, do not hesitate to contact one of our consultant on +33 1 74 85 50 50 or fill out the contact form.