{"id":5050,"date":"2023-10-27T10:00:44","date_gmt":"2023-10-27T08:00:44","guid":{"rendered":"https:\/\/carexpat.com\/blog\/?p=494"},"modified":"2025-02-13T17:05:42","modified_gmt":"2025-02-13T15:05:42","slug":"quelle-assurance-couvre-le-rapatriement-en-cas-daccident","status":"publish","type":"post","link":"https:\/\/carexpat.com\/blog\/quelle-assurance-couvre-le-rapatriement-en-cas-daccident\/","title":{"rendered":"Assurance sant\u00e9 et rapatriement en cas d\u2019accident \u00e0 l\u2019\u00e9tranger"},"content":{"rendered":"<p>Vous partez en vacances ? C\u2019est une super nouvelle. Malheureusement, un incident peut arriver, il vaut mieux \u00eatre bien pr\u00e9par\u00e9. Que vous soyez un voyageur occasionnel ou assidu, pour pr\u00e9venir d\u2019un accident ou d\u2019une catastrophe, pensez \u00e0 souscrire \u00e0 une assurance voyage couvrant les frais m\u00e9dicaux et de rapatriement. L\u2019assurance sant\u00e9 internationale concernant le rapatriement m\u00e9dical n\u2019est pas obligatoire, mais tr\u00e8s fortement recommand\u00e9e. Chaque ann\u00e9e on compte plusieurs dizaines d\u2019\u00e9vacuations sanitaires via avion m\u00e9dicalis\u00e9.<\/p>\n<h2 class=\"wp-block-heading\">Une assurance rapatriement c&rsquo;est quoi ?<\/h2>\n<p>Une assurance rapatriement vous garantit un retour en France, ou dans votre pays de r\u00e9sidence, en cas de situation d\u2019extr\u00eame urgence. Par exemple vous avez un accident ou que vous tombez malade lors de votre voyage. Le rapatriement ne se fait que si la situation l\u2019impose. Certains pays ne disposent pas de structures ou mat\u00e9riels m\u00e9dicaux adapt\u00e9s pour g\u00e9rer certaines maladies ou blessures. De plus, \u00e0 l\u2019\u00e9tranger la sant\u00e9 est tr\u00e8s co\u00fbteuse, l\u2019assureur pr\u00e9f\u00e8re parfois vous rapatrier. Une assurance sant\u00e9 et rapatriement est tr\u00e8s rassurante lors de votre s\u00e9jour \u00e0 l\u2019\u00e9tranger.<\/p>\n<p>Il existe trois types de rapatriement sanitaire. Le rapatriement non m\u00e9dicalis\u00e9 concerne les blessures obligeant un retour en France sans pour autant avoir besoin d\u2019une aide m\u00e9dicalis\u00e9e durant le trajet. Par exemple une jambe cass\u00e9e. Dans cette situation, le rapatriement peut se faire gr\u00e2ce \u00e0 une compagnie a\u00e9rienne classique. Il y a ensuite le rapatriement m\u00e9dicalis\u00e9, qui lui, n\u00e9cessite la pr\u00e9sence d\u2019un infirmier ou\u00a0 m\u00e9decin durant le transport, c\u2019est par exemple le cas pour un infarctus. Le dernier type de rapatriement concerne l\u2019\u00e9vacuation par avion sanitaire, qui est r\u00e9serv\u00e9e aux cas d\u2019extr\u00eame n\u00e9cessit\u00e9, par exemple un grave accident de la route.<\/p>\n<h3 class=\"wp-block-heading\">Cas des r\u00e9sidents europ\u00e9ens<\/h3>\n<p>Si vous partez en voyage au sein de l\u2019Union europ\u00e9enne, il existe une convention vous permettant un acc\u00e8s aux soins en plus de la Carte europ\u00e9enne d\u2019assurance maladie (CEAM). Dans le cadre de la convention europ\u00e9enne d\u2019assistance sociale et m\u00e9dicale, les membres signataires s\u2019engagent \u00e0 faire b\u00e9n\u00e9ficier les ressortissants des autres pays, en s\u00e9jour r\u00e9gulier, qui n\u2019ont pas les ressources suffisantes de l\u2019assistance sociale et m\u00e9dicale pr\u00e9vue par la l\u00e9gislation en vigueur dans le pays.<\/p>\n<h2 class=\"wp-block-heading\">Que prend en charge une assurance rapatriement ?<\/h2>\n<p>En souscrivant \u00e0 une assurance sant\u00e9 et rapatriement, vous aurez \u00e0 votre disposition un service d\u2019assistance, joignable 7 jours sur 7 en cas de probl\u00e8me. En cas de maladie ou accident survenu \u00e0 l\u2019\u00e9tranger, le rapatriement prend en charge :<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul><!-- divi:list-item --><\/p>\n<li>les frais d\u2019hospitalisation<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>l\u2019intervention des secours<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>les d\u00e9penses li\u00e9es aux soins m\u00e9dicaux dispens\u00e9s<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>l\u2019aller-retour pour que l\u2019un de vos proches puisse vous rejoindre en cas d\u2019hospitalisation sup\u00e9rieure \u00e0 dix jours<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>le rapatriement m\u00e9dicalis\u00e9 si besoin.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>Vous serez assist\u00e9 et conseill\u00e9 en cas de blessure ou de maladie, et orient\u00e9 vers les services m\u00e9dicaux comp\u00e9tents du pays dans lequel vous vous trouvez. Nous vous conseillons d\u2019\u00eatre vigilant quant aux conditions d\u2019application et la limite des frais pris en charge. Dans le pire des cas, si vous venez \u00e0 d\u00e9c\u00e9der \u00e0 l\u2019\u00e9tranger, l\u2019assurance sant\u00e9 internationale pr\u00e9voit un rapatriement du corps dans le pays de votre choix. Les assurances rapatriement sont utilis\u00e9es uniquement en cas d\u2019extr\u00eame n\u00e9cessit\u00e9, et il est conseill\u00e9 de souscrire \u00e0 une\u00a0<span class=\"link-annotation-unknown-block-id-191912644\">assurance sant\u00e9 voyage\u00a0<\/span>en plus. Le rapatriement est parfois en option dans les contrats d\u2019assurance sant\u00e9 internationale.<!-- notionvc: b70789e6-a4de-45c0-8607-a210790b6802 --><\/p>\n<h2 class=\"wp-block-heading\">Qui prend en charge l\u2019assurance rapatriement ?<\/h2>\n<p>Il existe plusieurs possibilit\u00e9s pour avoir acc\u00e8s \u00e0 une assurance rapatriement. La couverture des frais et ce qu\u2019elle comprend varient et d\u00e9pendent de votre choix.<\/p>\n<h3 class=\"wp-block-heading\">Assurance rapatriement et remboursement via carte bancaire<\/h3>\n<p>Si vous disposez d\u2019une carte Visa, le rapatriement est une assurance automatiquement comprise lorsque le voyage a \u00e9t\u00e9 pay\u00e9 par cette m\u00eame carte. Elle couvre le titulaire de la carte, \u00e9galement ses enfants et petits-enfants de moins de 25 ans, ainsi que le conjoint ou concubin. Le remboursement des frais est plafonn\u00e9. Les plafonds de l\u2019<a href=\"https:\/\/carexpat.com\/blog\/comment-puis-je-beneficier-de-lassurance-assistance-voyage-avec-mes-cartes-bancaires\/\">assurance rapatriement carte bancaire<\/a> est souvent tr\u00e8s bas. Ils ne permettent pas de couvrir la totalit\u00e9 des frais engag\u00e9s.<\/p>\n<h3 class=\"wp-block-heading\"><span class=\"notion-enable-hover\" data-token-index=\"0\">Remboursement par la s\u00e9curit\u00e9 sociale<\/span><!-- notionvc: e536ed23-1bd0-4844-b892-6856aeb383d8 --><\/h3>\n<p>En cas d\u2019extr\u00eame n\u00e9cessit\u00e9, la s\u00e9curit\u00e9 sociale peut prendre en charge une partie des frais engag\u00e9s. Les r\u00e8gles de remboursement via la S\u00e9curit\u00e9 sociale varient \u00e9norm\u00e9ment d\u2019un pays \u00e0 l\u2019autre. Il est tr\u00e8s rare que la s\u00e9curit\u00e9 sociale intervienne lors d\u2019un rapatriement. Le rapatriement sera certainement \u00e0 votre charge.<\/p>\n<h3 class=\"wp-block-heading\">Remboursement avec une assurance sant\u00e9 internationale<\/h3>\n<p>Si vous avez souscrit \u00e0 une\u00a0<span class=\"link-annotation-unknown-block-id--660069290\">assurance sant\u00e9 internationale<\/span>\u00a0pour votre voyage, certains contrats ont une option concernant le rapatriement. Dans certains contrats haut de gamme, le rapatriement est compris sans suppl\u00e9ment. Les assurances sant\u00e9 voyages vous permettront d\u2019\u00eatre couvert en cas de dommages corporels et\/ou mat\u00e9riels. V\u00e9rifiez les taux d\u2019indemnisation et les prestations de votre contrat avant votre d\u00e9part, ils varient en fonction de votre organisme d\u2019assurance.<!-- notionvc: d91c63f8-2a14-4458-aa8b-1e31a9d53e5e --><\/p>\n<h3 class=\"wp-block-heading\"><span class=\"notion-enable-hover\" data-token-index=\"0\">Autres possibilit\u00e9s pour un rapatriement depuis l\u2019\u00e9tranger\u2026<\/span><!-- notionvc: d091a640-751c-4bfc-acf7-bf13122445bd --><\/h3>\n<p>Dans de rares cas, il vous est possible d\u2019avoir acc\u00e8s \u00e0 une assurance rapatriement gr\u00e2ce \u00e0 vos contrats d\u2019assurance divers : assurance habitation, assurance automobile, etc\u2026 Cela d\u00e9pend de votre compagnie d\u2019assurance et de votre contrat. Certaines compagnies peuvent parfois prendre en charge une faible partie de votre rapatriement ou de vos transports vers un lieu d\u2019hospitalisation. Vous ne serez indemnis\u00e9 que pour les frais de secours et avec un plafond bas. V\u00e9rifiez \u00e9galement les conditions d\u2019exclusions de prise en charge de vos frais.<\/p>\n<p>Il existe donc plusieurs possibilit\u00e9s pour vous d\u2019avoir acc\u00e8s \u00e0 un rapatriement. La solution vous procurant le plus de s\u00e9curit\u00e9 est de souscrire \u00e0 une assurance voyage couvrant les frais m\u00e9dicaux et de rapatriement.<\/p>\n","protected":false},"excerpt":{"rendered":"[et_pb_section fb_built=\"1\" admin_label=\"section\" _builder_version=\"4.23.1\" custom_padding=\"0px||0px||false|false\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_row admin_label=\"row\" _builder_version=\"4.23.1\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" width=\"100%\" width_tablet=\"100%\" width_phone=\"100%\" width_last_edited=\"on|desktop\" global_colors_info=\"{}\" theme_builder_area=\"post_content\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" custom_padding=\"|||\" global_colors_info=\"{}\" custom_padding__hover=\"|||\" theme_builder_area=\"post_content\"][et_pb_text admin_label=\"Text\" _builder_version=\"4.27.0\" background_size=\"initial\" background_position=\"top_left\" background_repeat=\"repeat\" hover_enabled=\"0\" global_colors_info=\"{}\" theme_builder_area=\"post_content\" sticky_enabled=\"0\"]Vous partez en vacances ? C\u2019est une super nouvelle. Malheureusement, un incident peut arriver, il vaut mieux \u00eatre bien pr\u00e9par\u00e9. Que vous soyez [...]","protected":false},"author":3,"featured_media":6372,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[10],"tags":[101,128,157,131],"class_list":["post-5050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conversion","tag-expat","tag-ma-sante-a-letranger","tag-sante","tag-voyageur"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quelle assurance couvre le rapatriement en cas d&#039;accident ?<\/title>\n<meta name=\"description\" content=\"Assurance rapatriement : quelle couverture en cas d&#039;accident ? 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