Our personal accident sports insurance plans

Sport carries a risk of accident. Our cover protects you against bodily injury during your sports activities.
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By subscribing to our policy, you benefit from protection adapted to the risks of sports activities. In case of accident or bodily injury, our guarantees are designed to cover situations often excluded by standard policies. For details about coverage or compensation conditions, please refer to our General Terms, available at the bottom of our website and sent with your quote or subscription.

THE GUARANTEESFormula 1Formula 2Formula 3
REPATRIATION ASSISTANCE
Transport / RepatriationReal costs (if the Competition option is selected, capped at €100,000)Real costs (if the Competition option is selected, capped at €100,000)Real costs (if the Competition option is selected, capped at €100,000)
Health care expenses10 000 € / person150 000 € / person10 000 € / person
Presence of a relative if hospitalization more than 7 daysRound trip ticketRound trip ticketRound trip ticket
Presence with the Hospitalized InsuredTransport ticket * + hotel expenses €150 per night – maximum €1,500Transport ticket * + hotel expenses €150 per night – maximum €1,500Transport ticket * + hotel expenses €150 per night – maximum €1,500
Return of the accompanying personsReturn ticketReturn ticketReturn ticket
Glasses and dental prosthesis100 € / person100 € / person100 € / person
Rehabilitation and physiotherapy expenses350 €350 €350 €
Franchise when the insurer takes part in first place in the absence of medical insurance or Social Security coverage250 € / person250 € / person250 € / person
Rescue and research costs50 000 €/ event (1200€ max for rescue and research costs and towing surfboard sailing, jet skiing and kite surfing)50 000 €/ event (1200€ max for rescue and research costs and towing surfboard sailing, jet skiing and kite surfing)50 000 €/ event (1200€ max for rescue and research costs and towing surfboard sailing, jet skiing and kite surfing)
Funeral expenses1 000 € / person3 000 € / person1 000 € / person
Body’s repatriation3 000 € / person5 000 € / person3 000 € / person
Advance of the penal guarantee7 500 €/event7 500 €/event7 500 €/event
Legal assistance (attorney fees)5 000 € / person7 000 € / person5 000 € / person
INDIVIDUAL ACCIDENT
Total or partial permanent disability greater than 30%10 000 € max/person50 000 € max/person200 000 € max/person (according to progressive scale – see general conditions)
Accidental death10 000 € /person50 000 € /person40 000 € /person
STAY INTERRUPTION
Refund lifts fee, courses and rental of sports equipmentOn a prorata temporis with a maximum of 400 € / claimOn a prorata temporis with a maximum of 400 € / claimOn a prorata temporis with a maximum of 400 € / claim
CANCELLATION OPTION
OPTION 1 (included)
Serious accident related to sports practice requiring hospitalizationa maximum of 400 € / persona maximum of 800 € / persona maximum of 400 € / person
Death following an accident during the sports practice50 € / person100 € / person50 € / person
OPTION 2
All accidents requiring hospitalization or subsequent deatha maximum of 400 € / persona maximum of 800 € / persona maximum of 400 € / person
Franchise50 € / person50 € / person50 € / person
PRIVATE LIFE OPTION
Extended coverage outside of your sports activities, including your trips and stays abroad.Available only with the daily plan.Available only with the daily plan.Available only with the daily plan
COMPETITION OPTION
If the option is subscribedIf the option is subscribedIf the option is subscribed
PROFESSIONAL SPORT OPTION
For professional athletes: designed for those who practice sports at a high level, in competitions, championships, training, or other sporting activities.If the option is subscribedIf the option is subscribedIf the option is subscribed
HOSPITAL DAILY ALLOWANCES OPTION
Hospital daily allowancesAccording to the amount indicated on the membership certificateAccording to the amount indicated on the membership certificateAccording to the amount indicated on the membership certificate
BAGAGE OPTION (IF MENTIONED IN THE CERTIFICATE OF MEMBERSHIP)
Lugages guaranteesa maximum of 800 € / claima maximum of 2 000 € / claima maximum of 800 € / claim
FAQ

This accident insurance is intended for anyone wishing to protect themselves against the consequences of a private life accident, in England and abroad.

Coverage may apply to accidents occurring:

- during a sports activity;
- in daily life;
- at school;
- at home;
- while traveling.

This insurance is suitable for:

- adults;
- children and students;
- sports enthusiasts;
- families;
- people practicing in clubs or competitions.

Several plans allow coverage to be adapted according to:

- your level of practice;
- your age;
- the guarantees selected;
- the insured capital.

Coverage may include:

- permanent disability;
- death benefits;
- medical expenses;
- healthcare costs;
- assistance services.

Unlike standard health insurance, this policy mainly covers bodily injuries caused by an accident.

It can complement existing home insurance, school insurance, or health coverage.

A quote allows you to compare plans and choose the most suitable solution for your needs.

When a sports accident occurs, personal accident insurance helps protect the insured against the consequences of bodily injuries related to sports activities.

Coverage may apply during:

- a leisure sport activity;
- a school activity;
- a club training session;
- a sports trip.

Depending on the selected plan, the insurance may include:

- unreimbursed medical expenses;
- assistance and repatriation;
- compensation for permanent disability;
- an accidental death benefit;
- certain costs linked to the interruption of a sports stay.

This sports accident insurance helps deal with the physical and financial consequences of an accident, even when no third party is responsible.

Coverage may apply in daily life, during supervised or unsupervised sports activities, in England and abroad.

This insurance is particularly suitable for:

- sports enthusiasts;
- children and students;
- families.

It can complement existing health insurance or home insurance.

The price depends on the coverage selected, compensation levels, and the activities practiced.

A personalized quote allows you to adapt the coverage to your needs.

Yes. Personal accident insurance applies to a very wide range of sports and sporting activities, whether practiced for leisure, at school, in a club, or during everyday activities.

Coverage applies to:

- individual sports;
- team sports;
- activities practiced indoors or outdoors.

Certain activities, such as:

- competitions;
- tournaments;
- official events;
- or activities involving a higher level of risk,

require the activation of a specific option during subscription in order to adapt:

- the coverage guarantees;
- the compensation level;
- the insured capital.

The insurance contract specifies the list of covered sports, the application conditions, and any restrictions related to:

- age;
- the level of practice;
- or the frequency of activity.

These details are provided in the General Terms and Conditions to ensure full transparency before requesting a quote.

This flexibility allows adults, children, occasional athletes, and regular sports practitioners to benefit from protection adapted to the consequences of sports accidents.

Yes. During training sessions, regular sports practice, or supervised sports activities, coverage is included in the standard personal accident insurance contract.

Coverage notably applies to:

- leisure sports;
- club training sessions;
- sports activities at school;
- activities within an association.

However, for:

- competitions;
- official matches;
- races;
- tournaments;
- or certain recognized sporting events,

subscription to the “Competition” option is required.

This option makes it possible to adapt:

- the coverage guarantees;
- the compensation level;
- the insured capital,

to the specific risks linked to more intensive sports practice.

Details of the covered activities and applicable conditions are specified in the General Terms and Conditions to help you choose the plan best suited to your sports activities.

PlanPlans 1, 2, and 3 mainly differ according to the level of coverage and the compensation limits included in the contract.

The higher the selected plan, the greater the financial protection in the event of an accident.

A higher-level plan may notably provide:

- a higher insured capital in case of permanent disability;
- increased compensation in the event of accidental death;
- better coverage of medical expenses and healthcare costs;
- enhanced support following an accident.

This system of progressive plans allows:

- adults;
- children;
- occasional athletes;
- regular sports practitioners,

to choose personal accident insurance adapted to their sports activities, personal situation, and budget.

The price varies according to the selected plan: the higher the guarantees, the greater the potential compensation level.

A personalized quote allows easy comparison of the available plans and helps choose the solution best suited to your needs and those of your family.s 1, 2, and 3 differ primarily in terms of the level of cover and the compensation limits set out in the policy. The higher the plan chosen, the greater the financial protection in the event of an accident. In practice, a higher plan provides : — a higher guaranteed capital in the event of permanent disability (AIPP), — a higher amount paid in the event of accidental death, — better coverage of medical expenses and care, — enhanced support following an accident, in particular to deal with physical or psychological consequences. This system of progressive plans allows everyone, adult, child, occasional athlete, or regular practitioner, to choose an individual accident insurance policy consistent with their situation, their level of sporting activity, and their budget. The individual accident insurance premium varies according to the plan selected: the higher the cover, the greater the potential level of compensation. A personalised quote makes it easy to compare the offers and take out the most suitable solution for your needs and those of your family.

When an accident occurs abroad and requires hospitalization, the assistance service supports the insured throughout the situation.

Depending on the guarantees included in the contract, a medical repatriation may be organized if the insured’s health condition justifies it.

When hospitalization lasts several days, the travel of a relative may also be arranged in order to provide moral and practical support to the insured and their family.

This assistance is especially important during a stay abroad, where managing an accident may become more difficult.

The assistance services, duration of support, and intervention conditions depend on the selected plan.

The cost of the accident insurance takes these assistance services into account, helping the insured face the consequences of an accident abroad more calmly.

A personalized quote allows you to choose coverage adapted to your travels, your sports activities, and your protection needs outside England.

Yes. When a sports-related event causes a permanent limitation, whether total or partial, a financial compensation payment may be provided to support the insured over the long term.

The amount of compensation depends notably on:

- the selected coverage level;
- the contract compensation limit;
- the degree of impairment assessed.

The evaluation is based on a scale defined in the applicable conditions, making it possible to assess the actual impact on:

- autonomy;
- daily life;
- the ability to continue a personal or professional activity.

The most comprehensive plans provide access to higher compensation levels in order to deal with the long-term consequences of an accident.

These consequences may be:

- physical;
- functional;
- or related to a significant reduction in quality of life.

The cost of the personal accident insurance varies according to the desired level of protection.

A personalized estimate helps identify the solution best suited to your situation, your sports activities, and your long-term protection needs.

If a sports accident forces you to interrupt your stay, the guarantee may provide pro rata reimbursement for certain expenses already incurred.

This may notably include:

- ski lift passes;
- sports lessons;
- sports equipment rentals.

Reimbursement is provided within the limits and conditions specified in the contract.

No, this option is absolutely not mandatory.

A first level of trip cancellation coverage (Option 1) is already included in the standard contract.

This guarantee may apply in the event of:

- trip cancellation;
- following a serious sports-related accident requiring hospitalization;
- or in the event of death.

For broader protection, an additional Option 2 may be subscribed.

This option provides extended coverage for any serious accident requiring hospitalization, even when unrelated to sports activities.

Subscription to this additional option remains entirely optional.

Yes, with the “Private Life” option, coverage may be extended outside sports activities.

This extension may notably apply:

- during your travels;
- during your stays abroad;
- during certain daily life activities.

This protection may also apply to family members insured under the contract.

The “Private Life” option is available only with certain daily plans.

Yes, a specific option is available for professional athletes.

It is intended for:

- high-level athletes;
- participants in competitions;
- participants in championships;
- or athletes involved in intensive training sessions.

This option allows the coverage to be adapted to the risks associated with intensive sports practice.

The choice of plan mainly depends on:

- your frequency of practice;
- the type of sport practiced;
- your level (leisure, competition, or professional);
- and the desired level of protection.

If in doubt, it is recommended to:

- compare the compensation limits;
- consult the General Terms and Conditions;
- and review the guarantees adapted to your sports activities.

This helps you choose the plan best suited to your situation and your needs.

Full details of the coverage guarantees, compensation limits, exclusions, and application conditions are available in the General Terms and Conditions.

They are accessible:

- directly at the bottom of the website pages;
- and are also sent by email with every quote request or subscription.

Yes. After a sports accident, accident insurance may help cover hospital expenses, within the compensation limits defined by the selected plan.

Depending on the contract, coverage may notably include:

- unreimbursed healthcare expenses;
- hospitalization costs;
- functional rehabilitation;
- physiotherapy sessions required for recovery;
- certain additional hospital treatments prescribed after the accident.

The reimbursement level depends on:

- the insured capital;
- the selected guarantees;
- and the chosen plan.

The most comprehensive plans provide broader coverage to reduce the financial impact of the physical consequences of an accident on daily life.

A personalized quote helps identify the plan best suited to your situation, your sports activities, and your healthcare needs.
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