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benefits comparison between different whv insurances

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
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
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
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
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
SCUBA DIVING
YES
max. depth 40m
NO YES
SURF / KITESURF
YES NO YES
HIKING
YES YES YES
SKYDIVE / PARAGLIDING
NO NO NO
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
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
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:

Frais-medicaux---150.pngCap 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…

 

assistance-rapatriement---150.png

 

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…

 

 

Interruption---150.pngYou 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!

 

 

whv insurance quote

 

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.


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