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PVT insurance comparison

PVT insurance comparison

PVT insurance comparison

Chapka Insurance GobyAVA Travel Zen CCM Contract CAP Working Holiday WHV Working Holiday Health Plan WHV-insurance Student & Working Holiday Reduction 5% immediate discount 5% discount
promo code BACKAVA 10% immediate discount 5% immediate discount Reduced monthly rate 34,20€ 33,96€ 32,75€ 31,51€ Reduced rate for 12 months 410,40€ 407.55€ 393,00€ 378,10€ Subscription period 3 to 24 months 3 to 24 months 1 week to 12 months 15 days to 24 months COVID-19 Medical and hospitalization costs Repatriation Early return following the death of a loved one CN Expenses related to quarantine, confinement or the impossibility of returning to one’s country of residence Terms and conditions Online subscription Exemption from health questionnaire for subscription Coverage area Whole world Whole world Whole world Whole world Reimbursement of the insurance premium in the event of early return
if sending ID
and proof of cancellation
under conditions
file fee 30€ CN Reimbursement of the insurance premium in the event of cancellation of the trip
if sending ID
and copy of the return ticket
+ other conditions
under conditions
if visa refused
(optional: all patterns)
for contracts of more than 12 months, early termination possible for the second year before it begins online services Insurance card Electronic card upon subscription Electronic card upon subscription CN CN Refund request. and claim declaration
on line
(expenses less than 500€)
on line
(expenses less than 600€)
mobile app
(expenses less than 500€)
mobile app
(expenses less than 500€)
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Medical fees Common medicine 100% of actual costs 100% of actual costs €200,000 max/event 100% of actual costs Emergency dental care 500€ max 600€ max 350€ max (accident)
€150 max (emergency) 600€ (accident)
€300 max (emergency) Optical care following an accident 200€ max 250€ max CN CN Franchise 0€ 50€ for emergency optics CN CN Annual overall ceiling per person Unlimited Unlimited CN €500,000 max Medical costs in France €1,000,000 max €1,000,000 max €15,000 max
deductible of €30 €20,000 max
deductible of €30 Hospitalization Surgery and hospitalization 100% of actual costs 100% of actual costs €200,000 max/event 100% of actual costs Presence of a relative in the event of hospitalization Return ticket + €50/night
max 10 days Return ticket + 50€/day
max 500€ Return ticket + 50€/day
max 10 nights Return ticket + 100€/day
max 10 days Daily allowance in the event of hospitalization 50€/day
from the 4th day 30€/day
from the 6th day 40€/day
from the 7th day
max 30 days Optional – 50€/day
from the 4th day Sports Sports Covered Leisure sports practice Leisure sports practice Leisure sports practice Extreme sports Sports not covered Mountaineering, aerial and combat sports Aerial and mechanical sports Mountaineering, aerial and combat sports, etc. Professional, motor and combat sports Luggage Baggage insurance during transport €2,000 max €2,000 max €1,530 max €2,000 max Baggage insurance during the stay
under conditions
under conditions
under conditions
under conditions Precious and electronic objects 50% max 50% max 40% max €1,000 max Compensation for delay of +24 hours for baggage 150€ CN 230€ CN Deductible per file 25€ 15€ 30€ 25€
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Assistance Airline delay leading to connection disruption
300€ compensation
60€ compensation CN Medical repatriation or in the event of death and medical transport 100% of actual costs 100% of actual costs 100% of actual costs 100% of actual costs Compensation in the event of forced extension of stay 50€/day
from the 4th day
30 days max 50€/day
max 500€ CN CN Early return in the event of death or hospitalization of a family member Return ticket
(family: spouse, parents, grandparents, children, brothers, sisters) Return ticket
(family: spouse, children, sons-in-law, daughters-in-law, parents, grandparents, brothers, sisters) Return ticket
(family: spouse, parents, grandparents, children, brothers, sisters) Return ticket (family: parents, brothers, sisters) Search and rescue costs 5.000€ / pers. and €25,000 / event €5,000/insured
€25,000 optional 12.000€/event 5.000€/event Juridic assistance Lawyer fees €3,000 max €3,000 max €3,000 max €8,000 max Advance of bail €7,500 max €7,500 max €3,000 max €30,000 max Cash advance
if loss of identity papers 500€ max 500€ max €1,500 max 800€ max Respons. civil Injury €4,000,000 max €4,500,000 max €4,600,000 max €4,500,000 max Property damage €450,000 max €450,000 max €46,000/event €450,000 max Rental civil liability
€100,000 max
€50,000 max
€150,000/event CN Franchise 80€ 80€ CN CN Foresight Death benefit 10.000€ 8.000€ 12.500€ Optional – 12.000€ Permanent disability lump sum €50,000 max €40,000 max €12,500 max Optional – €50,000 Disability deductible 30% 30% CN Payment Sampling frequency Annual
payment in 3x possible Annual
payment in 3x possible CN CN Reduction 5% immediate discount 5% discount
promo code BACKAVA 10% immediate discount 5% immediate discount Reduced monthly rate 34,20€ 33,96€ 32,75€ 31,51€ Reduced rate for 12 months 410,40€ 407.55€ 393,00€ 378,10€ Quote and subscription



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