Amariz | Products

OPALE : A health insurance contract comprising 3 different levels of cover.

OPTION 1 - 100% COVER:
OPALE 100% reimburses all of your medical expenses (hospitalisation, everyday medical treatment, etc.) resulting from illness or accident at 100% of the French Social Security's conventional rate (200% for orthodontics, dentures and lenses for glasses).

FAMILY RATE: Premium of € 416.50 per month for an insured family group comprising 2 adults and 2 or more children of less than 21 years of age.

OPTION 2 - HOSPITALISATION COVER:
Cover for all hospitalisation expenses only further to an illness or accident at 100% of actual expenses (see summary of general conditions and table of benefits).

OPTION 3 - TOP-UP COVER with 2 optional levels of cover:
Designed for everyone, the top-up option provides for the reimbursement of the remainder of the cost of treatment (usually around 30%) after partial reimbursement by the French Social Security or other basic medical insurance scheme. It offers a supplementary reimbursement ranging from 100% up to 400% of the French Social Security's conventional rate depending on the level of cover chosen. No medical questionnaire

Direct settlement of hospitalisation expenses: payment made directly to the hospital or clinic for any stay

Direct settlement for pharmacy, radiology, out-patient treatment and laboratory tests

Direct settlement of medical expenses for people recognised as having a long-term illness for treatment linked to the illness in question

95% of claims processed the day they are received

'Premium waiver' cover in the event you are totally unable to work due to an illness or accident (options 1 & 2)

15% reduction on the annual premium for students (option 3)

No premiums payable from the third child onwards (options 1 - 3)

The information contained in this website is a summary of cover; full details can be found in the tables of benefits and the general conditions of the contract.