Thirteen files, all resting on public documents: the exact clauses of bank cards and travel policies, quoted with their article and version; the real cost of a medical repatriation, country by country with sources; the mechanism that decides who settles the hospital abroad; and what an employer owes the staff it sends abroad.
What the four policies actually say when a country is advised against — quotations, articles, versions — and what remains covered.
Read the fileRepatriation costsHow much a medical repatriation costs, country by country, with the source of each range and who pays in practice.
Read the fileWho pays the hospitalThe hospital demands a deposit before admission: the difference between advancing the costs and a direct payment guarantee.
Read the fileBank card insuranceAmex Platinum, Visa Infinite, Mastercard World Elite: excluded zones, limits, excesses and the 90-day cap.
Read the fileDiplomatic divergencesOne country, the three official positions of the day: the State Department level, the French advice, the FCDO alert — each with its dated source and a link to its official page.
See the comparisonThe medical limit, the evacuation, the direct settlement at the hospital and the certificate: the four lines you read before signing, with their amounts.
Read the fileInsuring a teamThe company pack is bought on a number of employees, never on a list of names: what that choice changes at subscription, for a visa and on the day of a claim.
Read the fileDuty of careA safety obligation that plays out in two distinct acts: having a contract carry the risk, and being able to prove who was covered, where, and from when.
Read the fileEmployee hospitalisedWho calls, what the company needs to have to hand and the four moves to avoid while an employee is in hospital abroad.
Read the fileEmployer's obligationNo rule names the policy to buy — which settles nothing: who answers the hospital, and how far a compulsory scheme reaches outside the country of residence.
Read the fileA card valid all year does not insure a stay all year: where the 90-day count stops, and what it leaves uncovered.
Read the fileStandard travel policyWhat a standard travel policy rules out, and who reaches for a card at the hospital on the day it does cover.
Read the fileMastercard World EliteArticle 5.5 of the Fortuneo notice taken word by word: what the territorial clause covers, and the day on which it is assessed.
Read the fileVisa Infinite€156,000 per event, held up against the evacuation ranges we record country by country — and what "per event" does to the sum.
Read the file207 countries, today's official level, what it changes for your policy, the observed repatriation cost and the real medical network on the ground.
Travel Insurtech. 24/7 worldwide.
Swiss insurer · Worldwide medical network