Multi-risk insurance with health option

If you wish to subscribe, as part of your stay, to a comprehensive health option insurance, you will find below the guarantees covered by the insurance contract.

The insurer

Companies: Mutuaide Assistance, Approval N ° 4021137 and Groupama Rhône Alpes Auvergne, Approval N ° 4060477 - Insurance companies approved in France and governed by the French Insurance Code

This document is a synthetic presentation of the main characteristics of the product. It does not take into account your specific needs and requests. You will find complete information on this product in the pre-contractual and contractual documentation. To find out more, we invite you to consult the general conditions of sale of the galaxy product on this link.

Product : GALAXY

What type of insurance is this?

GALAXY is a group insurance contract the purpose of which is to cover the Insured on the occasion and during his trip.

What is insured?


  • Up to € 16,000 per person and € 40,000 per event
  • Missed flight
  • Up to 50% of the total amount of your initial package or 80% of the total amount of your dry flight
  • Air delay (up to € 250 baggage)
  • Up to € 2,000 per person and € 10,000 per event
  • Interruption of individual stay / travel accident costs
  • Up to € 7,500 per person and € 70,000 per event
  • Civil liability private life
  • Up to € 1,000,000 per event
  • Return impossible
  • Up to 10% of the amount of the trip / night / person with a minimum of € 50 (maximum 5 nights)
  • Repatriation assistance


  • Transport / repatriation
  • Extension of stay costs
  • Medical expenses abroad up to € 150,000 Repatriation of the body
  • Early return
  • Juridic assistance
  • Search and rescue costs up to € 7,500


  • Trip cancellation
  • Repatriation Assistance

What is not insured?

  • The consequences of the failure of the tour operator, civil or foreign wars, riots, popular movements, the consequences of the disintegration of the atomic nucleus or any irradiation from an energy source with the character of radioactivity.
  • Unless otherwise specified, an earthquake, a volcanic eruption, a tidal wave, a flood or a natural cataclysm except within the framework of the provisions resulting from the law n ° 82-600 of July 13, 1982 relating to the compensation of the victims of natural disasters (for insurance guarantees).
  • Medical expenses in the country of residence.

Are there any exclusions from the coverage?

The main exclusions from the contract :

Costs incurred without the prior agreement of the Assistance Service, the voluntary participation of an Insured in riots or strikes, brawls or assault, the consequences of the use of unordered medicines, drugs, narcotics and similar products medically, and the abuse of alcohol, Any intentional act by the Insured that may result in the coverage of the contract.

The contract also contains certain restrictions :

The contract must be taken out on the day of booking the trip or, at the latest, the day before the 1st day of application of the cancellation fee schedule.
The Insured must be domiciled in one of the member countries of the European Union, in the United Kingdom, in Switzerland, Norway, Andorra, Liechtenstein, San Marino, Gibraltar, in the French overseas departments and territories and in the COM.

Where am I covered?

The guarantees apply throughout the world, with the exception of countries in a state of civil or foreign war, of notorious political instability, or undergoing popular movements, riots, acts of terrorism, reprisals, restriction of the free movement of people and goods (whatever the reason, in particular health, safety, weather, etc.) or disintegration of the atomic nucleus or any irradiation from an energy source presenting a radioactivity character.

What are my obligations ?

When the contract is taken out

The Insured is required to pay the contribution. The Insured is required to answer exactly the questions asked by the Insurer, in particular in the declaration form allowing him to assess the risks assumed.

In case of calamity

- Under insurance guarantees, the Insured must declare his claim within 5 working days from the moment he becomes aware of the claim.
- For assistance services, the Insured must contact the assistance platform and obtain their prior consent before taking any initiative or incurring any expense.

In all cases, the Insured is required to provide the Insurer with all supporting documents and documents necessary for the implementation of the insurance guarantees and assistance services provided for in the contract.

When and how to make the payments?

The contribution is payable upon subscription of the contract, by any means of payment accepted by the travel agency.

When does coverage begin and when does it end?

Start of coverage

The “Trip Cancellation” and “Travel Information” guarantees take effect on the day on which this contract is taken out. All other guarantees take effect on the day of departure for the trip (place of convocation of the organizer to go).

Right of waiver

In accordance with article L112-10 of the Insurance Code, the Insured who takes out an insurance contract for non-professional purposes, if he can prove a previous guarantee for one of the risks covered by this new contract, may waive this new contract, without costs or penalties, as long as it has not been fully executed or the Insured has not called in any guarantee, and within the limit of a period of fourteen calendar days from of the conclusion of the new contract.

End of coverage

The "Trip Cancellation" and "Travel Information" guarantees expire on the day of departure for the trip (place of convocation of the organizer for the outward journey).
All other guarantees expire on the last day of the trip (place of group dispersal), with a maximum duration of 90 consecutive days.

How can I terminate the contract?

Termination of the contract is not permitted.


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