School insurance "International" CGEA
This contract is for all children enrolled in a French school abroad, irrespective of their nationality.
Our insurance intervenes when your child is a victim or causes an accident.
Extra-curricular activities organized by the institution and for which an insurance is mandatory are also covered.
GUARANTEES
PERSONAL RESPONSABILITY OF THE CHILD
Any financial consequences which result from damage caused to a third party, including other children of the institution, for which the child is responsible, are covered
PERSONAL ACCIDENT INSURANCE
Includes the payment of a certain amount to the child in case of major injury and in the absence of any responsible person.
ADDITIONAL ACCIDENT BENEFITS
These operate in addition to the basic insurance, complementary insurance and/or other insurance coverage of the parents. In the absence of any other parental insurance, we pay 50% of the total cost.
SUPPORT
Support is available during all school activities and extra-curricular activities (according to option taken).
Following an accident or illness and on medical advice, the company organizes and supports the transport of the insured to his home abroad or to hospital, whichever is the most appropriate to his state of health.
In the case of repatriation of the child, the Company shall bear the additional cost of transporting members of the insured’s family, back to their residency abroad.
The warranty also includes the cost of catch up tuition after an accident, from the 31st day of absence and during 6 months.
PSYCHOLOGICAL SUPPORT
In the case of serious physical injury, the Company provides a listening service and emotional support, 24 hours a day, 7 days a week. This service is provided by qualified psychologists and is confidential.
DETAILS OF GUARANTEES
| FORMULA A | FORMULA B |
FORMULA C | |
| CIVIL RESPONSABILITY | |||
| Injury | 4 600 000 € | 4 600 000 € | 4 600 000 € |
| Property damage (deductible insurance : 50 €) | 300 000 € | 300 000 € | 300 000 € |
| Legal protection | 3 000 € | 3 000 € | 3 000 € |
| PERSONAL ACCIDENT INSURANCE | |||
| Death | 1 500 € | 3 000 € | 4 500 € |
| Permanent disability, above 10% (based on company fees) | 45 000 € | 75 000 € | 105 000 € |
| ADDITIONAL ACCIDENT BENEFITS | |||
| Teeth, broken prosthetics | 150 € | 300 € | 600 € |
| Broken glasses, frames or lenses | 75 € | 120 € | 150 € |
| Medical expenses and hospitalization | 7 500 € | 15 000 € | 40 000 € |
| Freight charges | 150 € | 150 € | 150 € |
| Costs of prosthetics and orthopedics (other than teeth and glasses) | 375 € | 600 € | 900 € |
| One year of scholarship assured in the case of death of the head of family | 750 € | 1 150 € | 1 500 € |
| SUPPORT | |||
| Catch up tuition (per month) | 150 € | 225 € | 300 € |
| Medical repatriation | Actual costs | Actual costs | Actual costs |
| Cost of search and mountain rescue | 750 € | 750 € | 750 € |
| Cost of evacuation following winter sports accident | 150 € | 150 € | 150 € |
| Messaging, sending drugs | Guaranteed | Guaranteed | Guaranteed |
| Attribution of flight ticket for a parent | Actual costs | Actual costs | Actual costs |
| Repatriation of body in case of death | Actual costs | Actual costs | Actual costs |
| PSYCHOLOGICAL SUPPORT | 2 calls | per claim | per insured |
FEES
| CONTRIBUTIONS All taxes included / per school year / per child | FORMULA A | FORMULA B |
FORMULA C |
| School activities, transportation and extra-curricular activities | 18 LVL |
21 LVL |
24 LVL |
