Preparing for your vacation abroad is an exciting adventure, but it is crucial not to neglect the medical aspect. This comprehensive guide will help you understand the different facets of your health coverage during your travels, including the need for the European Health Insurance Card (EHIC), the importance of taking out travel insurance, and the steps to follow to guarantee your social protection. You will also find useful advice on choosing the best health insurance and preparing yourself well before your departure.
The European Health Insurance Card (EHIC)
The first step before going on vacation to Europe is to get yourself the European Health Insurance Card (EHIC). This card certifies your rights to health insurance and gives you access to public health care under the same conditions as residents of the country visited. It is advisable to apply for this card from your health insurance fund well before your departure.
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Take out travel insurance
For optimal protection, it is strongly recommended to subscribe to a travel insurance contract. This type of contract protects you against various unforeseen events such as baggage theft, accidents, or medical emergencies. Good travel insurance will cover medical expenses that are not covered by the EHIC or your mutual insurance company, thus providing comprehensive coverage.
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Coverage of your mutual insurance abroad
Your mutual can also play an important role during your vacation abroad. It is essential to check whether your current mutual insurance covers treatment abroad and under what conditions. Some mutual insurance companies offer specific guarantees for trips abroad, covering in particular medical expenses and medical repatriations.
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Unannounced care and reimbursement
In the event of unexpected treatment during your stay abroad, your French health insurance fund can reimburse certain costs. However, these reimbursements are subject to specific conditions. You must keep all supporting documents for your treatment so that you can present them upon your return. Reimbursement will be based on the prices charged in France.
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The key elements for choosing travel health insurance
When choosing health insurance for travel, several criteria must be taken into account. Check if the insurance covers medical emergencies, hospitalizations, and whether repatriation assistance is included. Also compare the reimbursement ceilings and deductibles applied by the different companies. Remember to read the fine print to avoid unpleasant surprises.
Health recommendations and vaccinations
Before you leave, find out about the health recommendations and any vaccinations required for your destination. Consulting a healthcare professional to check your vaccinations and those of your family can avoid many worries once abroad. Some destinations present specific health risks such as malaria or yellow fever, so it is crucial to be well prepared.
Inform your health insurance fund
To facilitate procedures in the event of need for care abroad, it is recommended to notify your health insurance fund of your departure. This can prevent any inconvenience and facilitate your refund requests upon return. Also remember to bring your insurance and health insurance contact details with you for any assistance.
Traveling abroad requires careful preparation, especially in terms of health coverage. By following these tips and being well prepared, you can leave with peace of mind and fully enjoy your vacation.
