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
- « 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.
What to do, in this order
1Call this number before anything else›
Before the hospital, before a taxi, before your health insurer. Otherwise your benefits may be reduced or refused.
conditions spéciales 01.262Ask for a facility in their network›
It is one of your guarantees, and it is what changes the bill most. Ask for it even in an emergency.
art. 6.93Have a doctor examine you the same day›
Even for what you intend to shrug off. Without an on-the-spot finding the event is excluded — a certificate written once home does not fix it.
art. 334Admitted? Have the front desk call›
That is what triggers direct settlement with the facility, instead of you paying up front.
art. 2.125Organise nothing yourself›
The place, the date, the transport and any escort are for their medical team to decide. A medical flight chartered in panic may stay at your expense.
art. 6.2.26Report within 30 days›
Even if everything went well on the ground. After that, compensation may be reduced, or refused.
art. 35.7That acknowledgement is dated and kept, with the fingerprint of the text issued.
💡 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.