Préparant un voyage d'un mois au Vietnam, je suis en train de choisir une assurance qui couvre les éventuels frais médicaux consécutifs à une maladie ou un accident.
Dans les conditions de Chapka, je lis que les frais d'hospitalisation sont avancés, mais qu'il faut les rembourser ensuite.
Donc au final ça reste à ma charge ?
10.
AVANCE SUR FRAIS
D’HOSPITALISATION
(ÉTRANGER UNIQUEMENT)
Pour l’application de cette prestation, il est rappelé que le terme
« France » signifie la France métropolitaine, la Principauté
de Monaco et les DROM. Les Assurés domiciliés dans un
DROM ne seront donc pas considérés comme voyageant à
l’Etranger lorsqu’ils se déplacent en France métropolitaine ou
Principauté de Monaco et inversement.
Vous êtes malade ou blessé(e) pendant votre voyage à l’Etranger,
tant que vous vous trouvez hospitalisé(e) nous pouvons faire
l’avance des frais d’hospitalisation
à concurrence des montants
indiqués au Tableau des Montants de Garanties.
Cette avance s’effectuera sous réserve des conditions
cumulatives suivantes :
• pour des soins prescrits en accord avec nos médecins,
•
tant que ces derniers vous jugent intransportable après
recueil des informations auprès du médecin local.
Aucune avance n’est accordée à dater du jour où nous
sommes en mesure d’effectuer le transport, même si vous
décidez de rester sur place.
Dans tous les cas, vous vous engagez à nous rembourser
cette avance au plus tard 30 jours après réception de notre
facture. En cas de non-paiement de votre part à cette date, le
Souscripteur s’engage à nous rembourser cette avance dans
le délai maximum de 30 jours à compter de notre demande,
charge pour ce dernier d’en récupérer le montant, s’il le
souhaite, auprès de vous.
Pour être vous-même remboursé(e), vous devrez ensuite
effectuer les démarches nécessaires au recouvrement de vos
frais médicaux auprès des organismes concernés.
Vous avez une carte bancaire ?
Vous êtes assuré social en France ?
Et bien ça fera la même chose que ce que vous avez écrit, et éventuellement complètera ce qui vous sera remboursé.
Michel
Bigre, du coup je ne vois pas l'intérêt de prendre une assurance si c'est juste pour qu'ils fassent l'avance des frais.
Oui j'ai réservé le voyage avec ma carta bancaire, et j'ai la sécurité sociale + complémentaire santé française.
Mais en dehors de l'Europe, la sécu+complémentaire ne me rembourseront que sur le tarif conventionné français, hors le coût pourrait être bien supérieur.
Quand vous dites "ça fera la même chose", c'est à dire ... en cas l'hospitalisation ils paient à ma place et je dois leur rembourser de retour en France ?
Vous n'avez même pas besoin d'avoir payé avec la carte, il suffit de la détenir.
Si le coup est supérieur, l'assistance rapatriement et médicale de la carte complète, jusqu'à son plafond, qui est de 12000 pour une carte simple à 155000 pour les cartes Gold ou Mastercard.
Oui, ce que vous décrivez dans cet extrait, c'est pareil : à votre retour vous leur remboursez ce qui vous est restitué par votre couverture sociale et votre éventuelle complémentaire.
Michel
Oui j'ai réservé le voyage avec ma carta bancaire, et j'ai la sécurité sociale + complémentaire santé française.
Mais en dehors de l'Europe, la sécu+complémentaire ne me rembourseront que sur le tarif conventionné français, hors le coût pourrait être bien supérieur.
Quand vous dites "ça fera la même chose", c'est à dire ... en cas l'hospitalisation ils paient à ma place et je dois leur rembourser de retour en France ?
Oui, enfin s'il fallait leur rembourser la totalité des sommes avancées, puis récupérer la sécu, au final ça revient à n'avoir que le remboursement sécu, et donc pas la différence entre le prix facturé par l"hôpital et la tarif sécu.
En fait les assistances rapatriement associées aux carte bancaires prennent en charge le complément - hospitalisation, médicaments et autres choses, à voir précisément avec votre carte - à hauteur de leur plafond.
Michel
Oui, enfin s'il fallait leur rembourser la totalité des sommes avancées, puis récupérer la sécu, au final ça revient à n'avoir que le remboursement sécu, et donc pas la différence entre le prix facturé par l"hôpital et la tarif sécu.
Mieux d'une certaine façon, mais moins longtemps.
Et je ne connais pas le plafond, qui est peut-être plus élevé.
Michel
J'ai une Gold, donc a priori 155000 euros de plafond / 75 euros de franchise par dossier médical. C'est fou, ça veit dire que mon assurance "carte bancaire" couvre mieux que Chapka ?
Bonjour
Cela date de 2014 deja demandé a votre assurance sociale votre carte europeen et votre carte vitale.
J ai du etre operé en urgence a l hopital franco vietnamien de saigon..
Effectivement j ai du avancé le montant de l operation de 3000 dollars us avec sejour de 4 jours suite a l opêration .
Si possible il faut demandé le compte rendue operatoire en francais, ou anglais car les caisse d assurance sociale n ont pas mes moyens de traduite le vietnamien en francais sauf le seul que je connais heureusement l hopital franco vietnamien.
Le remboursement de ma caisse d assurance et de ma mutuelle m as fait perdre juste 100 euros du tarif francais concernant les medicaments non remboursé en france.
Je vous conseille de vous adressé deja a votre assurance sociale et mutuelle, je pense quand meme qu une assurance style mondaile assistance doivent prendre les choses en charge meme au vietnam ou j ai passé 8 ans.
cordialement
C'est un témoignage intéressant, mais la carte européenne et la carte vitale ne servent dans ce cas strictement à rien.
Dans quel cadre étiez vous au Vietnam ? Tourisme ?
Michel
Bonjour
Cela date de 2014 deja demandé a votre assurance sociale votre carte europeen et votre carte vitale.
J ai du etre operé en urgence a l hopital franco vietnamien de saigon..
Effectivement j ai du avancé le montant de l operation de 3000 dollars us avec sejour de 4 jours suite a l opêration .
Si possible il faut demandé le compte rendue operatoire en francais, ou anglais car les caisse d assurance sociale n ont pas mes moyens de traduite le vietnamien en francais sauf le seul que je connais heureusement l hopital franco vietnamien.
Le remboursement de ma caisse d assurance et de ma mutuelle m as fait perdre juste 100 euros du tarif francais concernant les medicaments non remboursé en france.
Je vous conseille de vous adressé deja a votre assurance sociale et mutuelle, je pense quand meme qu une assurance style mondaile assistance doivent prendre les choses en charge meme au vietnam ou j ai passé 8 ans.
cordialement
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Voyager en santé › Vietnam / Chine / Japon · 20 replies
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Hi there,
Does anyone know if there’s travel insurance for someone who’s had a heart attack?
I can’t find an insurer that covers a pre-existing condition, even if it’s stable.
Thanks so much!
Hi everyone, next month my wife, our 6-year-old daughter, and I are flying to Thailand. It’ll be a great chance to soak up some sun—something we’ve been missing lately here in France! But speaking of sun, I burn easily, and our daughter even more so. I was wondering what SPF to get for sunscreen and whether it’s better to buy it there or before we leave? Thanks for your tips!
Hello,
We’re planning to spend 3 months in Madagascar starting in mid-February.
Areas: Mahajanga, Tulear, Diego Suarez, and Sainte Marie—the order isn’t set yet. We’ll either drive for part of the trip or take flights.
We’ve heard all sorts of things about required vaccines and medications (is anti-malarial mandatory?). What’s the exact situation for travelers?
I’ll come back to you for other topics (like finding a reliable driver, among others).
Thank you.
Best wishes to you all,
Nicole
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But after looking into the regulations for each country, it’s suddenly way less simple . Many seem to only allow the amount corresponding to the length of your "stay" in the country... Which is a problem if I arrive in Korea with 4.5 months’ worth of medication, for example.
After all that, and even though I’ll obviously contact the relevant authorities in each country (fingers crossed for a response 😛), here’s my question:
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I’m starting a new discussion on this topic since there doesn’t seem to be a recent one.
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I’ve already visited quite a few countries across several continents, but I’m pretty new to Asia.
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Hi there,
I was wondering if anyone is heading to Cuba soon and could bring me some over-the-counter Sildenafil (viagra) tablets—available at Varadero Airport, among other places.
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Hi everyone.
After years of traveling to the USA without any medical insurance subscriptions—and luckily never having any major health issues (though I did get a scorpion sting buried in the sand at CBSouth, 😇)—life has caught up with us, and we’re now being forced into "wisdom" and leaving our carefree days behind.
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For several years now, increased aggression has been observed in Cape fur seals.
At least 70 unprovoked attacks on humans.
It was recently confirmed that this is due to rabies.
The suspected origin is contamination in Namibia by jackals.
The contagion seems to be spreading.
Preventive vaccination (of the animals) is being considered.
Just a reminder:
Rabies affects all mammals.
Once symptoms appear—sometimes weeks or even months later—death is inevitable.
It’s the bite that transmits the disease.
There are so-called "furious" forms with aggression, but also forms without aggression.
In case of a bite, in addition to standard wound care, tetanus prevention… rabies prevention is essential.
Stay careful out there…
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Hello,
I’m looking for a dentist who can do a full lower-arch implant with a complete prosthesis. I’m in Quebec and available to travel to Cuba. Need full contact details. Thanks everyone!
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Has anyone here had experience and could refer me to a good, affordable dentist?
I’d really appreciate it if you could give me an idea of the price for one implant, since I need at least 6 done.
Thanks so much!
