Insurance & Assistance

Insurer AIG Europe
Insurance management AXA Assistance – AIG/Mondial Assurance. Customer service phone : +33 (0)1 85 741 741 (and dial insurance/assistance)
Territories World wide (Exclusion civil liability : France within Dom/Tom and Monaco)
Beneficiaries Card owner
During a travel realized with the card owner
Partner (married, civil partnership, common law partner)
Dependent children and other dependent family members living with card owner
Definition of ‘travel’ > 100 km from the beneficiaries’ home or workplace, excluding travel to work and for a maximum of 90 days
Time limit in case of damage > 2 years
Arbitrator Address : Mediateur – AIG – Tour CB21 92040 Paris La Defense Cedex ; site : www.aig.com

For additional details, please refer to the “Notice d’Information de l’Assurance et l’Assistance” relative to your Ditto Bank card.

 

Travel Insurance Benefits & Services Operative Events Maximum refund
Trip cancellation or delay Illness, accident before the trip, change of leave dates or economic lay-off  €5 000/year. 20% deductible if leave dates are changed
Trip interruption Illness or accident during the trip €5 000/year
Transport delay (plane or train) – Delay during pre-routing – Refusal of boarding in case of overbooking Plane delay > 4 hours, Charter delay > 6 hours, Train delay > 2 hours. €450
Delayed luggage delivery Plane or train delay > 4 hours €450
Luggage loss, theft or damage Luggage damage or robbery (partial or total) during insured trip or inside a rental vehicle €850 per luggage, deductible €70
€300 per value object
Civil liability for private life abroad Personal injury or property damage caused to third parties during a trip €2 000 000
Accidents involving individuals: Death / disability coverage Accident €310 000 if accident in public transport
€46 000 if accident in a rented vehicle or during pre or post-routing journey
Reimbursement or payment of medical expenses while abroad Disease, accident €155 000
Car rental insurance (4 wheels) – Damage to the rental vehicle Property damages with or without an identified third party or vehicle theft Non-redeemable deductible or deductible provided for in the rental contract or €50 000
Snow and Mountain Insurance
Search and rescue costs in the mountains Emergency alert triggering Actual costs
Medical expenses in France and worldwide Ski or other sporting accident during a trip to the mountains €2 300
Refund of ski passes and lessons Accident €300 for up to 3 days ski pass
€850 for other ski passes/lessons
Breakage of personal mountain sports equipment Accidental breakage 8 days rental of replacement equipment
Damage to rental mountain sports equipment Accidental breakage due to fall, collision or theft if a complaint is filed €850 with 20 % deductible
Civil liability for mountain sports (France and worldwide) Personal injury or property damage caused to third parties during mountain sports €1 000 000 per calendar year
Not cumulative with civil liability abroad
Legal representation for civil liability for mountain sport Personal injury or property damage caused to third parties during mountain sports €8 000

 

Assistance services Operative Events Maximum refund
Transportation to hospital (costs) Disease or accident in France or worldwide (first 90 days) Actual costs
Transfer and/or repatriation with or without medical assistance Disease or accident in France or worldwide (first 90 days) Actual costs
Repatriation of an accompanying recipient Disease or accident in France or worldwide (first 90 days) Actual costs
Accompanying children <15 years old Inability to care for children due to accident or disease Return transport
Visit from a relative in case of recipient hospitalization for more than 10 days (except if the recipient is a child or life-threatened). Disease or accident in France or worldwide (first 90 days) Return transport
10 nights: €125 per night. Over 10 nights: maximum refund of €375
Advance on hospital costs while abroad Hospitalization outside France (first 90 days) €155 000 with €75 deductible
Replacement driver Incapacity or death of the only person who can drive the vehicle Salary and expenses of a professional driver or
return transport for a relative
Transmission of urgent messages abroad Inability to transmit a message to a family member or employer Actual costs
Snow and Mountains – Evacuation costs on or off piste (if with professional guide) or during other mountain sports Accident €5 000 per event
€10 000 per year and per card
Body repatriation (transportation, preservation costs, coffin…) Death Actual costs
Repatriation of beneficiary accompanying a body Death Actual costs
Early return in the event of hospitalization of a relative for more than 24 hours while the insured is travelling Unexpected hospitalization of a relative Return transport for the recipient
Early return in the event of the death of a family member while the insured is travelling Death of a family member Return transport for the recipient
One way transport for two beneficiaries
Legal assistance – advance for criminal bail while abroad Unintentional crime €15 500
Legal assistance – Lawyer advance Unintentional crime €15 500
Legal assistance – Lawyer fees covered Unintentional crime €3 100
Medication shipping while abroad Loss or theft Shipping costs
Glasses or hearing aids shipping while abroad Loss or theft Shipping costs

 

 

Online purchases Applicable Events Maximum refund
Order execution guarantee (only for goods delivered in France, French DOM/TOM, Monaco and Andorra) Non-delivery or non-compliant delivery  €500/calendar year with €30 deductible for non-delivery

 

Fraud Applicable Events Maximum refund
Credit card fraud Direct financial losses suffered by the insured (any remaining costs) due to lost or stolen credit card €3 000/calendar year