CONTACT Bureau : (0) 4 50 41 33 21 CONTACT Portable en cas d'urgence : (0) 6 86 34 34 03 Mail : lepaysdh@club-internet.fr
 CONTACT Bureau : (0) 4 50 41 33 21CONTACT Portable en cas d'urgence : (0) 6 86 34 34 03Mail : lepaysdh@club-internet.fr       

Insurances

 

 

 

A summary of the insurance contracts proposed to our travellers
 

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1 ) Cancellation contract Europ Assistance


The Cancellation guarantee is limited at 9147 € per person, and at 30490 € per file.

 

* Summary of the guarantees

 

- SERIOUS ILLNESS  - SERIOUS ACCIDENT or DEATH
of yourself, your spouse or your concubine.  Of your parents or your children and / or of your brothers, sisters, brothers-in-law, sisters-in-law, sons-in-law and daughters-in-law. 

 

- SERIOUS ILLNESS  - ACCIDENT or DEATH of your professional substitute, subject to having mentioned his name at the time of the registration to the tour.  
 

- REDUNDANCY of yourself, of your spouse or your concubine, subject to not being informed of this redundancy at the time of the registration to the tour.  

- DESTRUCTION OF YOUR PREMISES USED FOR PROFESSIONAL PURPOSES AND/OR DWELLINGS by more than 50%, consequently of fire, of explosion,  or of water damage. 
 

- INCLUDED IN THIS INSURANCE CANCELLATION contract:
baggage insurance up to 800.00 € maximum. 


 

* Main risks not covered by the contract

 

- CANCELLATION caused by a person hospitalized at the time of the registration to the tour. 

- PSYCHIC DISEASES, including nervous breakdowns not having required a 5 minimum days hospitalization at the time of the cancellation. 
 

 
- CONTRAINDICATION or FORGETTING of a VACCINE. 

- ACCIDENTS resulting from the practice of the following sports: bobsleigh, skeleton, toboggan of competition, all air sports, as well as those resulting from a participation or a training session  to matches or competitions  
 
 
- NON-PRESENTATIONS of documents essential to the tour such as passport, visa, flight ticket, health record with vaccinations. 
 
 
- DISEASES or ACCIDENTS having been the object of a first observation, a relapse, an aggravation or an hospitalization. 

 

- EXCLUSIONS AS CASES OF ABSOLUTE NECESSITIES:  civil war or state of war, popular riots, popular movements, Voluntary participation of the policy holder in these riots or strikes, Disintegration of the atomic nucleus or any irradiation coming from a source of energy presenting a character of radioactivity, Alcoholism, drunkenness, use of medicines not prescribed medically, use of drugs or narcotics, Any intentional act that may give rise to the guarantee of the contract


 

CANCELLATION CHARGES SCALE :
 

·
More than 60 days before the departure: we withhold 10 % of the price of the tour (with a minimum of 50 € per participant) for a tour in Europe except in Bulgaria and Turquia; 200 € for a tour in Bulgaria or Turquia; 900 € for expeditions to Ama Dablam or Tilicho peak; 300 € for a tour in Norway
          

·
  
From 60 to 31 days before the departure:  20 % of the price of the tour
 

        From 30 to 21 days before the departure:  35 % of the price of the tour
  
  From 20 to 16 days
before the departure: 50 % of the price of the tour

 

        From 15 to 7 days before the departure: 75 % of the price of the tour

 

        Less than 7 days before the departure: 100 % of the price of the tour

 

 





For a programme requiring the purchase by LE PAYS D'EN HAUT of a non-exchangeable and non-refundable flight ticket, we will in addition withhold the price of this flight ticket, even if your cancellation takes place more than 45 days before the departure date of your programme.

    
 
In any event, if your cancellation takes place less than 45 days before the departure date, the amount of the insurance premium is non-refundable.


  
  


In case of cancellation, contact immediately LE PAYS D'EN HAUT by registered letter or by fax.

 

You have 5 days maximum (2 days maximum for baggage insurance) to inform EUROP ASSISTANCE by registered letter :EUROP ASSISTANCE - Département Sinistres Voyages, 1 Promenade de la Bonnette, 92633 GENNEVILLIERS Cedex, FRANCE. Contract number is : 53 863 586.

 

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2 ) Repatriation contract, EUROP ASSISTANCE 

   


 

* Summary of the guarantees

 

- ASSISTANCE DISEASE / ACCIDENTS in the event of a disease or injury
 
-
Research and Assistance expenses : up to 15,300 € maximum
 

- Medical transport expenses
 

- Return expenses of the members of your family accompanying you (maximum 2 people) or expenses for the presence in case of hospitalization (1)

- Escort for  your children: round trip (2)

 

- Additional refunding for medical expensesin Zone 2 ( Europe + Mediterranean countries ), 75 000 € / in Zone 3 ( other countries ), 152 500 € (dental cares limited to 300 €)

 

 

- Advance on hospital expenses: in Zone 2 ( Europe + Mediterranean countries ), 75 000 € / in Zone 3 ( other countries ), 152 500 €

 

 

- ASSISTANCE DECEASE :

 
 -
Transport in case of decease: all expenses
 

- Expenses for coffin limited to 2 300 €
 

- Early return in the event of serious hospitalization or decease of a member of your family (2) 

- Return of the members of the family accompanying the deceased person (2) 

 

 

-  TOUR ASSISTANCE
 
 - 
Advance on legal deposit abroad: 15 300 €
 

- Advance on lawyer retainers abroad 3 100 €
 

- Early return in the event of damages to your residence (2) 

- Replacement driver 

- Transmission of urgent message

 

 

- advance in the event of robbery, loss or destruction of identity papers, or of your means of payment: 2 300 €
 

- INTERRUPTION OF STAY
 
 
In proportion to the services not used. CAUTION: the guarantee "Interruption of stay" is indissociable from the guarantees "Cancellation" and "Repatriation". In order that the interruption could be valid, a repatriation must have been organized by EUROP ASSISTANCE, or the hospitalization or the decease of your spouse or your concubine, your parents or your children, your brothers, sisters, brothers-in-law, sisters-in-law, sons-in-law or daughters-in-law must have occured. 
 
  
(1) round trip and hotel expenses: 77 € per night, during 10 nights 
maxima. 


(2) train first-class ticket, or economy class flight ticket.

 

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TERRITORIALITY OF THE INSURANCES according to the residence of the policy holder:  
  

The term "residence" must be understood in his legal meaning: the usual and continuous place of dwelling, and not a temporary accommodation in the family or by friends.
 


The contract "Cancellation" cover only inhabitants of one of the following countries: France (DOM, Metropolitan France and Monaco solely), Germany, Andorra, Austria, Belgium, Denmark, Spain, Finland, Gibraltar, Greece, Ireland, Italy and islands, Liechtenstein, Luxembourg, Norway, Netherlands, Portugal, United Kingdom, San-Marin, Sweden and Switzerland. 

 

The contract "Repatriation" cover only inhabitants of one of the following countries: France (DOM, Metropolitan France and Monaco solely), Germany, Andorra, Austria, Belgium, Denmark, Spain, Finland, Gibraltar, Greece, Ireland, Italy and islands, Liechtenstein, Luxembourg, Norway, Netherlands, Portugal, United Kingdom, San-Marin, Sweden and Switzerland.

 

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If you live off-Europe, we recommend you the "Repatriation" insurance contracts proposed by IHI Denmark ( www.ihi.com ) or International Medical Group ( www.imglobal.com ).

If you live in USA, we recommend you the "Repatriation" insurance contract proposed by the American Alpine Club : www.americanalpineclub.org

 

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CAUTION:
the main insurances delivered to Credit Cards holders by VISA (for VISA PREMIER) or MASTERCARD (for GOLD MASTERCARD), if you pay your tour with these cards, offer limited guarantees, (MASTERCARD-EUROCARD does not cover research expenses, like helicopter expenses), or provides no guarantees (as VISA BUSINESS which is valid only for professional trips).

 

If you wish to profit from the insurances "Cancellation" and "Repatriation" linked to your Credit Card, ask to your Bank the detailed contracts of these insurances (or call the Assistance line of VISA or MASTERCARD / phone number printed on the back of your Card). Check the main following points :

 

- exemptions values

 

- is the sport to be practised during your tour (trekking, mountaineering,
ski-mountaineering, ski off-piste, etc...) covered by these insurances ?

 

- is the country to be visited covered by these insurances ?

 

- will you be covered for both "Research" and "Assistance" expenses ? If helicopters are used for researchs, will their expenses be covered ?

 

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The English translation in this Web page, "A summary of the insurance contracts proposed to our travellers" is provided for information. Legally, the authentic text is the original French text. 
 
 

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If you have subscribed to one of the three contracts EUROP ASSISTANCE that we propose to you, LE PAYS D'EN HAUT, which just put you in contact with EUROP ASSISTANCE, has no influence on both sides, in case of a dispute between you and EUROP ASSISTANCE. 

 
 

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