Demo · Maison Horizon, fictional brand · No active cover
Claire Fontaine
Your trips · 1
- upcomingItalie — côte amalfitaineOctober 14, 2026 → October 22, 2026
This register is kept by whoever manages your trips, not here: they confirm what you send, and a wrong date or a missing departure is corrected with them.
Medical or security emergency — one number, 24/7
In case of hospitalisation, have the hospital desk call this number: the direct payment guarantee is sent immediately.
3 steps
1You put your pass on your phone's home screen›
On you before you leave, readable with no signal
Add this page to your phone's home screen: your name, your reference and the QR stay readable offline. The day it happens, this is what you hand the hospital desk — here, the step is simply having it on you.
2You download everything: certificate, card and invoice›
Every document, any time, with its reference
The certificate is in the format visa applications require, Schengen included; the invoice is ready for accounting; the full general conditions sit in your documents.
In the bag as well: your health-insurance card
It is not for the front desk — at the hospital it is the insurer that sends its payment guarantee to the facility. It is for afterwards, in the settlement: the cover applies to costs « restant à la charge de l’assuré après intervention de sa caisse maladie » (art. 4.1). And with no basic health cover, or if it is suspended for unpaid premiums, the insurer « peut limiter ou refuser le remboursement » (art. 4.1).
A city consultation does not follow the same path as hospitalisation: that is step 4 of your notice.
3You read the notice before you leave›
The six steps that decide how the claim is handled
Six steps, each backed by an article of your policy, with what forgetting it costs. You read them now, calmly — not at 3 a.m. You confirm having read them: that acknowledgement is dated, carries the fingerprint of this very text, and is the document your employer produces if it has to prove it had informed you.
1Call this number before anything else›
The special conditions set two obligations: contact the insurer without delay, and appoint no one without its go-ahead. The sanction is in the same sentence — reduced benefits, or refused.
conditions spéciales 01.262Ask for a facility in their network›
This is one of your guarantees, and it is what changes the bill most: on request, the desk gives you the details of a provider in its network. The same episode treated outside the network can cost several times more. Ask for it, even in an emergency.
art. 6.93Have a doctor examine you the same day›
The policy excludes events « not established by a doctor and evidenced by a medical certificate at the time they occur ». Those are the contract's words: a certificate written after you get home does not repair a missing on-the-spot finding. Get examined the same day, even for what you intend to shrug off, and leave with the document.
art. 334Admitted? Have the front desk call›
Hospitalisation, as the contract defines it, is a medically prescribed stay of more than 24 hours. That is what opens direct settlement with the facility. A city consultation does not follow the same path.
art. 2.125Organise nothing yourself›
The choice of the place of hospitalisation, the date, whether an escort is needed and the means of transport belongs exclusively to the insurer's medical team. A medical flight chartered in panic may stay at your expense.
art. 6.2.26Report within 30 days›
This is the policy's most general deadline, and the easiest to miss because it targets no guarantee in particular: it targets them all. Report even if everything went well on the ground. After 30 days, « compensation may be reduced, or refused ».
art. 35.7That acknowledgement is dated and kept, with the fingerprint of the text issued.
2 steps
1You spot the emergency units around your destination›
The real hospitals of Italie
Loaded automatically for your destination, directions included. These are the nearest emergency units, not the insurer's network: that one is given to you by the assistance desk during the call. On site, the desk scans your card's QR and the payment guarantee goes out immediately.
2You call the number, before doing anything else›
One number, 24/7
The call is what opens everything. It triggers the payment guarantee to the hospital and, if you ask, the desk gives you a provider from its network (art. 6.9). That is where the place of care is decided — and the place of care drives the bill far more than the illness does.
📋 What I say on the phone DEMO-TRA
Read these lines as they are. They skip the identification questions, and they carry the two requests almost nobody makes.
Then ask, in this order
- « Direct me to a facility in your network. »art. 6.9
- « Send the payment guarantee to the facility — I pay nothing up front. »art. 4.1
- « Organise nothing without telling me: I appoint no one on my side. »art. 35.7
The decision belongs to the insurer. This file does not bind it: it saves you hunting for your details while someone is talking to you.
1 step
1You pick what happened to you›
Seven situations, the official forms pre-filled
Your answers fill the insurer's official forms — identity, policy and trip come from your policy — you sign on screen and everything goes in one click, with a copy for you. The deadline is thirty days after the event: report even if everything went well on the ground, because after that « compensation may be reduced, or refused » (art. 35.7). Attach your health-insurance statement if there is one: the cover applies to what is left « à la charge de l'assuré après intervention de sa caisse maladie » (art. 4.1) — a settlement between insurers, never money out of your own pocket at the hospital.
Or by email: assistance@maison.example