Demo · Maison Horizon, fictional brand · No active cover
📋 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.
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.
conditions spéciales 01.262Ask 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.
art. 6.93See 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.
art. 334Admitted? 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.
art. 2.125For 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.
art. 6.2.26Once 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.
art. 35.7That acknowledgement is dated and kept, with the fingerprint of the text issued.
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.
💡 Add this page to your home screen: it stays available while travelling.
Sources: special conditions 01.26 · art. 6.9 · art. 2.12 · art. 6.2.2 · art. 35.7. Claim decisions belong to the insurer.
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.