Needs simulator

If you haven't determined exactly what are your needs, or if you haven't decided yet on the IWI-F cover, we invite you to complete the following questionnaire in order to determine what are your needs.

sumilateur
do you currently reside outside France?
Excellent, you must reside overseas in order to subscribe to the IWI-F cover.
You cannot subscribe to the IWI-F cover if you reside in France. If you reside in France and wish an insurance for an overseas trip, it's here:Extra-Pass information access
How old will you be when you subscribe?
The IWI-F cover has no minimum age limit for a subscription, you can subscribe to one of our offers.
If you are a student or have been one in the previous 12 months, do not forget that you can benefit from the special student rate when subscribing to the IWI-F cover !
You can subscribe to the IWI-F cover
You can subscribe to the IWI-F Schengen 70, which does not have a maximum age limit.
Coverage length
The IWI-F minimum rate is applied only for coverage over 15 days.
Several rates are available depending on your age and the chosen IWI-F cover !
Several rates are available depending on your age and the type of IWI-F cover you choose. For a stay lasting more than 5 months, you have the option of paying by installments after paying 3 months coverage if you subscribe 15 days before the effective starting date of your coverage.
Désolé, la garantie IWI-F ne peut être souscrite pour une période supérieure à un an.Si vous souhaitez vous couvrir pour une durée supérieure à un an, vous pouvez souscrire un second contrat IWI-F au terme du premier. Attention, si vous avez frais de santé consécutifs à une maladie ou un accident intervenus lors de la période de couverture du premier contrat, ils ne seront pas couverts par le second contrat, la garantie IWI-F ne garantissant pas les maladies ou conditions de santé préexistantes.
What are you looking for when subscribing to IWI-F ?
The IWI-F SCHENGEN 70 plan meets those requirements in addition of covering 70% of your actual medical expenses !
The IWI-F SCHENGEN 90 plan covers 100% of your actual expenses in the event of a hospitalization, and 90% of your routine out-patient medical care expenses, even during short stays in countries of the Schengen zone. The cover also meets the Schengen visa requirements.
The IWI-F SCHENGEN 90 plan covers 100% of your actual expenses in the event of a hospitalization, and 90% of your routine out-patient medical care expenses. Once subscribed to social security, the covers switch to the Delta 90 plan, which is a top-up health insurance.
Do you want coverage for unexpected illnesses or for preexisting conditions ?
Beware, The IWI-F plans do not cover medical care expenses for preexisting conditions. Only unexpected illnesses or accidents are reimbursed or paid for directly by the IWI-F covers.
Perfect, The IWI-F plans cover and reimburse only medical care for an unexpected illness or accident.
what reimbursement rate do you wish for your medical care expenses?
You're never sick and only want the Schengen visa? The Schengen 70 cover meets the Schengen visa requirements and reimburses 70% of your actual medical care expenses, which is essential in the event of a hospitalization, which can be prohibitively expensive.
Are you looking the highest reimbursements for your healthcare expenses? The Schengen 90 cover is made for you : it refunds 90% of your actual medical expenses, even during short trips worldwide, and you can benefit from reimbursements for your healthcare expenses up to €80 000 !
Is It important for you not pay any upfront fees in the event of a hospitalization ?
In-patient medical care can be prohibitively expensive. With the IWI-F plans, you do not pay any upfront fees in the event of a hospitalization.
With the IWI-F plans, you do not have to pay upfront for hospitalization, helping you save your money !
What are the coverage limitations you would be willing to accept ?
En cas d’accident, aucune carence n’est appliquée avec les garanties IWI-F !En cas de soins suite à une maladie inopinée, une carence de 7 jours existe à compter de la date de souscription du contrat.
There are no deductibles on your medical care expenses, the only existing deductible applies solely to civil liability.
Needs simulator
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