Bonjour à tous!
Après avoir bidouillé dans tous les sens sur le net à la recherche d'une bonne assurance rapatriement, j'ai décidé d'aller glaner des infos auprès de baroudeurs avertis
Voici ma situation:
J'ai obtenu mon détachement pour allez enseigner dans une école française à Seattle dès septembre 2012. Mon école me fourni déjà une super mutuelle et sécurité sociale à moindre frais (c'est une assurance "entreprise") mais la directrice m'a précisé qu'il fallait absolument que je contracte une assurance rapatriement.
J'ai donc tenté des devis chez les "grands": mondial Assistance, April... mais ils couplent tous le rapatriement avec soins hospitalisations, frais médicaux...que prend déjà en charge mon assurance/mutuelle locale.
Bref:
* qui a testé une assurance rapatriement sérieuse et peut me la conseiller?!
* est-ce qu'il existe simplement le rapatriement sans les frais médicaux et hospitalisations? (pour éviter de payer 2x la même chose)
Merci d'avance à qui pourra me faire part de son expérience!🙂
Il y a un bug quelque part: Ou est l'interet d'une assurance rapatriement si tu as une soi-disante super mutuelle et securite sociale ? Un peu comme si tu soucrivais une assurance voyage pour la France alors que tu as deja le Secu et une mutuelle !
Je pense que ton assurance US a une mega franchise et que l'ecole prefere se prevenir du risque financier en te demandant une assurance rapatriement en cas de pepin grave. Il y a une embrouille quelque part.
Je suis instit aussi et je vais passer mes vacances de printemps à Seattle Vancouver. Je vais aller visiter les deux écoles françaises et peut être leur laisser mon CV. Tu aurais des conseils ou des informations à me donner sur les jobs dans ton école? ton avis m'aiderait beaucoup surtout que je ne connais pas Seatlle du tout🤪
Bonjour à tous,
Cher Dji25 !
Ta réponse m'étonne un peu ! Pourquoi ? 😉
"Il y a un bug quelque part: Ou est l'interet d'une assurance rapatriement si tu as une soi-disante super mutuelle et securite sociale ? Un peu comme si tu soucrivais une assurance voyage pour la France alors que tu as deja le Secu et une mutuelle ! Je pense que ton assurance US a une mega franchise et que l'ecole prefere se prevenir du risque financier en te demandant une assurance rapatriement en cas de pepin grave. Il y a une embrouille quelque part. "
Car dans ta réponse je sens l'ironie et je dois te dire que cette assurance rapatriement est demandée même par l'administration française, pour les français vivant en expatriés à l'étranger en dehors des expat. pour leur métier, surtout pour les retraités etc.... car ce que l'on m'a dit au Consulat de Cotonou en 2009, cela coute cher à l'état de rapatrier ses ressortissant malades !!!!!
Moi cela ne me pose pas de problème dans la mesure où à Cotonou on peut se faire soigner et si je dois "mourir" là bas un jour, je demande à enterrer là bas ! Point final.
Voilà la raison que cette école demande à sa future employée, mais elle doit bien demander à son assureur, sa banque etc... si dans un des contrats signés, s'il n'y aurait pas déjà ce rapatriement dit "sanitaire" ! Car en Amérique du Nord les frais médicaux sont parait-il hors de prix et le rapatriement est souhaité par les caisses de prestations sociales non ?
Pour avoir moins à rembourser ou débourser comme vous voulez!
Ironie, c'est ton jugement et je le respecte.
Je ne pretends pas connaitre les USA malgre le fait que j'y vis depuis 1999 mais le marche des assurances sante mirroite en fait le marche medical. On a en fait le choix entre une assurance avec faible cotisation (premium) mais grosse franchise (deductible) ou le cotisation importante avec faible franchise. Si tu as des infos sur des super plans, ne te prive surtout pas , je suis preneur ( et certainement plusieurs millions de personnes potentiellement !).
bonjour,
je ne vais pas polémiquer plus longtemps !
Lorsque je parlais "d'ironie", c'est tout simplement parce que je précise que l'état français demande toujours à ses ressortissants qui se font connaitre et inscrire dans les consulats à l'étranger, d'avoir en expatriation, une assurance rapatriement !
Je sais, pour en chercher une avant mon expatriation en Afrique !, qu'elles sont chères ! Pour l'instant j'étudie MONDASSUR, qui il est vrai est très chère pour l'Amérique du Nord, du aux frais médicaux très élevés d'aprés ce qu'ils disent !
Mais je crois que je vais, pour mon cas personnel, prendre la CFE et une complémentaire, car j'ai déjà prévenu ma famille (frères, belle-soeur) que si je décède en Afrique, je serais enterrée là bas ! donc pas de rapatriement de prévu !!!
Voilà, bon courage pour la recherche.
Amicalement
Pour quoi faire ? une assurance rapatriement c'est quand tu pars en vacances pas quand tu travailles sur place.
De toute façon même si tu as une assurance rapatriement elle marche seulement dans des cas bien précis, c'est le service médical qui décide pas toi.
je ne voudrais pas insister, mais c'est ce que le consulat de Cotonou demande aux expatriés français surtout pour les retraités ! d'aprés ce que j'ai compris, pourquoi ? tout simplement pour les rapatriés s'ils sont gravement malades ou s'ils décèdent je ne sais....
Car cela coute cher à l'état français, mais je répète ! enfin moi j'arrête le sujet car on tourne en rond ! voilà
bon courage aux futurs expatriés
aùicalement
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