A visit to the hospital is never a pleasure, especially when it is not in your country of origin. In addition to your health concerns, you must also worry about the cost of your attention, which can increase very high in certain regions of the world. So how can it be reimbursed during hospitalization abroad?

Hospitalization abroad in the European Union

This should not be part of his tourist route, but a small accident pushes him to visit the Madrid or Berlin hospital during his vacation. If it has been planned, you may have asked for your European Health Insurance Card (CEAM) before your departure, that works in all Member States of the European Union and European Economic Space as in Switzerland. Get more information about the role of social security abroad.

According to current legislation in the country of stay, when presenting this card at the hospital, you may not have to pay your medical expenses. However, it is also possible that you have to advance the costs, then request a refund once you return to France completing form S3125. Your application will be processed by French Social Security and possibly reimbursed. In this way, you will be asked to choose between the attention calculated on the basis of the French Social Security rates, or in those that have the strength of the state of stay. In one case as in the other, even if the successful approach, its refund does not necessarily correspond to its real expenses.

Therefore, acquiring the European health insurance card is a good reflection before I go on vacation in the European Union, because it can be very useful. However, in some cases, He will not save him from a long and complicated administrative approach, without any certainty of the complete management of his attention. To travel to Europe with a quiet spirit, therefore, we recommend that you perform travel insurance with your corridor.

Hospitalization abroad outside the European Union

A tracked ankle visiting national parks in the United States or a mono bite in Asia, and here is in the hospital on the other side of the world. The situation is quite complicated if you have not thought about insurance, because French Social Security does not have the obligation to take care of its care. This is clearly indicated on the Ameli.fr:

When you go on vacation abroad, in a country outside the European Union / European Economic Area (EU / EEE) and Switzerland, only Urgent and unforeseen medical care Your health insurance fund may attend when I return to France […] Note : This is a possibility, not an obligation. (Fountain)

As soon as it crosses the borders of the European Union, it is wiser to take a travel insurance that will take care of its attention from the first euro spent, regardless of the French or local social security system.

Hospitalization abroad and travel card insurance

If you pay your aerial tickets with your bank card, you can benefit from the travel insurance included in your payment media. However, according to cards and banks, it is necessary to pay attention to certain pointsAs the limited duration of the trip (90 days), the fairly low attention roof (between € 10 and 12,000 against € 150.00 for private travel insurance). Above all, most travel insurance of travel cards only offers an advantage in case of hospitalization and not an attention, which changes the situation. For more information about travel insurance by travel card.

Hospitalization abroad and private travel insurance

You will understand that the subscription of private travel insurance is the solution that allows you to travel peacefully, in Europe and throughout the world. With Globe Partner travel insurance, your attention is attended from the first euro spent, without deductible or waiting period. In case of hospitalization, two cases are possible:

  • Passage to the Hospital Minor of 24 hours : If you spend a few hours in the emergency department for a small incident, you will have to advance the costs paying the hospital and maintain all medical documents in your power to make a reimbursement request. This application can be made email (for applications to less than € 300) or by publication. Only one approach, a single interlocutor without any intermediary, is simple and fast! Refunded care is 100%, directly in your bank account.
  • Hospitalization of more than 24 hours : If your health status forces you to spend at least one night in the hospital, you don’t have to advance costs. Simply contact our available assistance platform 24 hours a day to inform you about the situation. Then they will take care of the hospital to organize the direct management of their health costs. You don’t have a euro to pay!

Medical Tourism
Keep in mind that if you go abroad with a medical purpose (scheduled hospitalization), your travel insurance will not be attended. In fact, the trip to medical purposes and the previous conditions at the beginning are part of the exclusions of most travel insurance contracts.

As you can see, go on vacation outside your country of origin without worrying that insurance exposes it to the risk of hospitalization abroad, an unfortunate situation for you and your wallet. However, there are simple travel insurance solutions such as our Traveler Globe contract that allows you to go calmly. Do not hesitate to discover them on our site!