Bonjour, nous devions partir en Décembre en Thaïlande via LOOK VOYAGES , mais nous avons dû renoncer à ce voyage pour cause de maladie (intervenue la veille du départ 😕) de mon conjoint. J'ai donc contacté l'européenne d'assurance (nous avions souscrit une assurance multirisques famille) pour leur signaler le sinistre : j'ai renvoyé tous les documents administratifs demandés (facture d'annulation ...) et leur ai renvoyé leur questionnaire médical (c'est un document précis avec les syptômes, le traitement, éventuelle hospitalisation...) rempli par le Docteur. L'assurance vient de me renvoyer un courrier me demandant les relevés sécurité sociale, mutuelle, ordonnances. Savez-vous s'ils ont le droit de demander ce genre de documents ? En effet, les éléments qu'ils pourraient y trouver sont déjà mentionnés dans le questionnaire médical déjà fourni. (à moins qu'ils ne cherchent trace d'antécédents les dédouanant ainsi du remboursement ??🤪).
Suis je obligée de leur fournir ces documents ? Si oui, dans leur intégralité ? Ou puis-je uniquement photocopier que les passages se rapportant au présent dossier.
Merci de m'éclairer sur ce qu'ils peuvent juridiquement demander, ou pas.
Si vous avez un texte de loi pouvant argumenter, ce serait super..
Par avance je vous remercie de toute l'aide que vous allez pouvez m'apporter.
Nous sommes déjà tellement déçus d'avoir dû renoncer à ce voyage unique (c'était pour les 40 ans de mon conjoint et nous ne pourrons plus nous le permettre..) !
MERCI BEAUCOUP 🙂
Je crois que l’Assureur désire connaître la condition médicale de l’Assuré AVANT le départ ou la date de prise en charge de l’assurance.
Votre époux était-il sous traitement médical, prenait-il des médicaments prescrits au moment de l’achat de l’assurance? Aurait-il omis d’en faire mention à l’Assureur dans le questionnaire médical du contrat d’assurance? La cause de l’annulation du voyage est-elle en lien avec une quelconque condition médicale connue de votre époux et de son médecin?
Reportez-vous à l’intitulé ‘’Exclusions’’ dans votre contrat d’assurance.
Même par distraction ou oubli involontaire, si une condition médicale ou la prise de médicaments prescrits est ‘’cachée ’’ à L’Assureur, cela constitue une fausse déclaration.
Du moins est-ce ainsi au Canada pour le BAC (Bureau d’Assurance du Canada, le regroupement des Assureurs canadiens).
DeCléricy
J’en appelle à vous ô Muses
Où tant ma vie passe et s’use
Qu’encore et toujours j’aime
Mes soeurs Galère et Bohème
je suis déjà passé par là.Les assureurs se font toujours tirer les oreilles.
Peut-etre avez vous une assurance juridique par votre assurance habituelle (responsabilité civile, maison, voiture etc )?Ces avocats sont efficaces dans ces situations.
l'assurance veut simplement savoir si l'intervention qui vous a obligé à annuler votre voyage résultait de problémes de santé connus auparavant c'est pour cela qu'elle vous réclame tous ces justificatifs pour preuve .
En fait ils veulent savoir si la maladie de ton mari n'est pas liée à un antécedent, car s'il avait déja eu des alertes avant l'assurance ne prend
pas en compte c'est noté dans les contrats.
j'en ai fais les frais il y a quelques temps, j'avais annulé mon voyage car mon fils a été hospitalisé, tout est fait pour décourager tellement
ils demandent de "paperasse", mais j'ai eu gain de cause mon voyage m'a été remboursé.
Bonjour,
MERCI à tous de vos réponses.
Cependant, la maladie invoquée étant une gastro, je ne comprends pas pourquoi l'assurance cherche une éventuelle antériorité 🤪 : j'ai réservé ce voyage le 23/09 et le départ était normalement prévu le 15/12.
Je vais essayer de me renseigner auprès d'un service juridique mais n'hésitez pas à me faire part de vos commentaires, réponses..
MERCI BEAUCOUP
🙂
bonjour,
je crois que tout le monde fait fausse route, dans un climat de parano vis à vis des compagnies d'assurance. je n'ai aucune part dans le monde de l'assurance, je crois simplement qu'en plus du certificat médical rempli par votre médecin, l'assurance veut une preuve des frais médicaux engagés par rapport à cet épisode de maladie survenu au moment de partir, histoire de pister un éventuel certificat médical de complaisance comme en rédigent parfois certains confrères. répondez à leur demande en précisant toujours sur l'enveloppe : "à l'intention du Médecin Conseil", seul habilité à recevoir des documents médicaux.
si vous n'obtenez pas gain de cause avec le dernier envoi, renvoyez un courrier de réclamation en RA/R, avec copie à un institut de consommateurs. généralement, ça arrondit les angles. si votre mari n'a pas simulé de maladie, il n'y a aucune raison que vous ne soyez pas remboursé.
Il est vrai qu'il existe un certain climat de parano vis à vis des assurances, quelquefois justifié...
C'est pourquoi, je souhaitais savoir ce qu'il est juridiquement possible qu'ils me réclament.
Merci de vos précisions et bonne journée.
Si c'est une gastro l'assurance ne marche pas, c'est trop bénin, c'est seulement pour les cas de maladie grave, accident, déces, tout cela doit faire suite à une
hospitalisation de plus de 48 h. Cela concerne l'assurance prise avec le vol.
Il existe d'autres assurances beaucoup plus cheres prises independemment du vol qui couvrent mieux.
Donc dans ton cas je ne me ferai pas trop d'illusions, tout est noté dans le contrat.
Tu peux quand même te faire rembourser les taxes d'aeroport, cela n'a rien à voir avec l'assurance.
Il faut en faire la demande à la compagnie aerienne.
Le contrat d'assurance précise :
Toute altération de santé constatée par un docteur en médecine, nécessitant des soins appropriés.
Les épidémies sont exclues mais le seuil épidémique n'était pas atteint au 15/12/2011.
Maintenant si la cause est d'ores et déjà rejetée, pourquoi le Médecin conseil demanderait des documents complémentaires ?
Pour les taxes d'aéroport, merci du conseil. Je les ai déjà récupérées (300 € c'est déjà ça).
Par ailleurs, mon conjoint avait subit 4 jours avant le départ présumé une coloscopie. Le questionnaire médical ne posait aucune question sur ce point. Faut -il la préciser ??
je pense en effet que si c'est comme vous le dites une gastro l'assurance va se faire tirer l'oreille . j'espére que vous aurez bientôt de bonnes nouvelles de l'assurance . tenez nous au courant
comme toute assurance ils sont de plus en plus difficiles avant de payer , c'est pour cela qu'ils vous demandent autant de papiers . j'espére que vous aurez rapidement gain de cause
Avons nous besoin de documents type passe port pour un voyage en crete bien que nous soyons encore en europe? Pour une personne malade faut il des documents…
Suite aux conseils du corps médical (et pour une fois que je suis d'accord avec eux!), sur l'utilité de faire traduire certains de mes documents médicaux en…
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For several years now, increased aggression has been observed in Cape fur seals.
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Stay careful out there…
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Hello,
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Thanks so much!
