Demo · Maison Horizon, fictional brand · No active cover
Claire Fontaine
Your trips · 1
- upcomingItalie — côte amalfitaineNovember 28, 2026 → December 6, 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 a life-threatening emergency, call local emergency services immediately. Contact assistance as soon as possible, or ask the hospital to call. For non-urgent expenses, seek approval first. Direct payment depends on the policy and the insurer's approval.
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.
1Contact assistance without delay›
In immediate danger, local emergency services take priority. 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 where to get care›
Assistance directs you to an appropriate provider within your policy's scope. Also ask whether direct cover can be arranged: a payment guarantee requires the insurer's approval. An address on a map does not provide that approval.
art. 6.93See a doctor 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 hospital front desk call Maximum›
Hospitalisation, as the contract defines it, is a medically prescribed stay of more than 24 hours. Direct settlement with the facility remains subject to the policy and the insurer's approval. A city consultation does not follow the same path.
art. 2.125For non-urgent transport, seek assistance approval›
In a life-threatening emergency, do not wait to call local emergency services. Assistance and the insurer's medical team arrange transfers or repatriation, the place, date and any escort under the policy. A medical flight chartered without approval may remain at your expense.
art. 6.2.26Once home, report the claim 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 can scan your card's QR to retrieve the file; direct payment remains subject to the policy and the insurer's approval.
2You contact assistance as soon as possible›
One number, 24/7
In a life-threatening emergency, call local emergency services first, without waiting for assistance. Contact assistance as soon as possible; for non-urgent expenses, seek approval first. The desk can direct you to a facility in its network (art. 6.9). The insurer decides on any direct payment under the policy.
📋 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
- « Where should I go? Send me to a hospital in the Maximum network. »art. 6.9
- « Send the payment guarantee to the hospital: I do not want to pay anything up front. »art. 4.1
- « For non-urgent transport or repatriation, tell me what you authorise and arrange. In a life-threatening emergency, I call local emergency services immediately. »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). Direct payment to the hospital depends on the policy and the insurer's approval; an up-front payment may be requested.
Or by email: assistance@maison.example
In a life-threatening emergency, call local emergency services first, then Maximum: +41 22 ••• •• •• — 24/7 support number, an adviser stays with you to the end.
What Maximum knows
The 207 country pages — hospitals, pharmacies, police, embassies, emergency numbers, official advice from four governments, health, safety in figures, events in progress — read around the city you name. Your policy — benefits, the six steps, claims, articles. The site — prices, certificate, subscription. Nothing else: what it does not know, it says so and hands you to an adviser.
In a life-threatening emergency, call local emergency services first, then Maximum: +41 22 ••• •• •• — 24/7 support number, an adviser stays with you to the end.
What Maximum knows
The 207 country pages — hospitals, pharmacies, police, embassies, emergency numbers, official advice from four governments, health, safety in figures, events in progress — read around the city you name. Your policy — benefits, the six steps, claims, articles. The site — prices, certificate, subscription. Nothing else: what it does not know, it says so and hands you to an adviser.
What I say on the phone
- I am insured with Maximum, here is my policy number. Where should I go? Send me to a hospital in the Maximum network.
- Send the payment guarantee to the hospital: I do not want to pay anything up front.
- For non-urgent transport or repatriation, tell me what you authorise and arrange. In a life-threatening emergency, I call local emergency services immediately.
What to do, in this order
1Contact assistance without delay›
In immediate danger, call local emergency services first. Then contact assistance without delay; before engaging a service, seek approval under your policy. Cover is confirmed by the insurer.
2Ask where to get care›
Ask assistance where to get care and whether direct cover can be arranged. It confirms the facility and seeks the insurer's approval under your policy. In immediate danger, call local emergency services first.
3See a doctor the same day›
Even for a pain you meant to shrug off. Without a medical certificate written on the spot, the same day, the insurer cannot cover the event — a certificate written after you return does not count.
4Admitted? Have the hospital front desk call Maximum›
The hospital desk sends the request to assistance. Direct payment depends on the insurer's approval and the policy; the call alone does not guarantee it. Have the response confirmed before relying on no up-front payment.
5For non-urgent transport, seek assistance approval›
In a life-threatening emergency, call local emergency services immediately. For an arranged transfer or repatriation, contact assistance: the insurer's medical team decides on measures under the policy. A medical flight booked without approval may not be reimbursed.
6Once home, report the claim within 30 days›
Even if everything went well on the ground. Send your invoices and the medical report within 30 days; after that, compensation may be reduced or refused.