{"id":12515,"date":"2020-06-08T14:35:22","date_gmt":"2020-06-08T13:35:22","guid":{"rendered":"https:\/\/www.expatassure.com\/coronavirus-les-assurances-sante-internationales-couvrent-elle-le-covid-19\/"},"modified":"2020-08-04T13:51:40","modified_gmt":"2020-08-04T12:51:40","slug":"coronavirus-les-assurances-sante-internationales-couvrent-elle-le-covid-19","status":"publish","type":"post","link":"https:\/\/www.expatassure.com\/fr\/coronavirus-les-assurances-sante-internationales-couvrent-elle-le-covid-19\/","title":{"rendered":"Coronavirus: Les assurances sant\u00e9 internationales couvrent-elle le Covid-19 ?"},"content":{"rendered":"

[et_pb_section fb_built=\u00a0\u00bb1″ admin_label=\u00a0\u00bbsection\u00a0\u00bb _builder_version=\u00a0\u00bb3.22″][et_pb_row admin_label=\u00a0\u00bbrow\u00a0\u00bb _builder_version=\u00a0\u00bb3.25″ background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb3.25″ custom_padding=\u00a0\u00bb|||\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbText\u00a0\u00bb _builder_version=\u00a0\u00bb4.4.7″ background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb]<\/p>\n

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De nombreuses personnes nous ont contact\u00e9s ces derni\u00e8res semaines pour nous demander si les assurances sant\u00e9 internationales les couvriraient au cas o\u00f9 elles contracteraient le coronavirus Covid-19. En un mot, la r\u00e9ponse est oui. Mais la situation est un peu plus complexe. Que se passe-t-il, par exemple, avec les restrictions de voyages actuellement en place\u00a0? Vivre \u00e0 l\u2019\u00e9tranger pendant cette situation sanitaire exceptionnelle peut soulever de nombreuses questions, auxquelles nous allons tenter de r\u00e9pondre.<\/p>\n<\/blockquote>\n

\"covid-19\"<\/a><\/p>\n

    \n
  1. Mon assurance sant\u00e9 prendra-t-elle en charge mes soins de sant\u00e9 dans le priv\u00e9 si j\u2019attrape le coronavirus\u00a0? <\/strong><\/li>\n<\/ol>\n

    Toutes les compagnies d\u2019assurance sant\u00e9 internationales dont Expat Assure est partenaire couvrent les co\u00fbts li\u00e9s au traitement du Covid-19, de la m\u00eame mani\u00e8re qu\u2019elles couvrent les infections virales.<\/p>\n

    Les conditions d\u2019assurance varient d\u2019un assureur \u00e0 l\u2019autre ; il est donc recommand\u00e9 de lire le d\u00e9tail de votre police. Par exemple, si vous avez besoin de soins ambulatoires, ce type de soins doit \u00eatre inclus dans votre police d\u2019assurance. Il se peut \u00e9galement qu\u2019en fonction de vos ant\u00e9c\u00e9dents m\u00e9dicaux et des exclusions en place dans votre contrat, votre assurance ne vous couvre pas pour le Covid-19<\/p>\n

    Certains assureurs ont des exclusions pour les pand\u00e9mies, dans ce cas, elles ne couvrent pas le Covid-19.<\/p>\n

    Quel que soit votre assurance, il est important de lire votre contrat attentivement, pour voir si votre police vous couvre pour cette pand\u00e9mie ainsi que celles qui peuvent survenir dans le futur.<\/p>\n

      \n
    1. Je suis infect\u00e9 par le Covid-19 mais je ne suis pas assur\u00e9. Puis-je souscrire une assurance sant\u00e9 priv\u00e9e pour couvrir mon traitement\u00a0? <\/strong><\/li>\n<\/ol>\n

      Si vous \u00eates actuellement atteint du Covid-19 et n\u2019avez pas d\u2019assurance sant\u00e9 en place, vous ne pourrez pas souscrire une police pour prendre en charge votre condition pr\u00e9sente. Si vous avez eu le Covid-19 et \u00eates maintenant gu\u00e9ri, le fait d\u2019\u00eatre pris en charge ou pas d\u00e9pendra des r\u00e8gles de chaque assureur, mais aussi du degr\u00e9 auquel le virus vous a atteint. Comme toute autre condition m\u00e9dicale, les assureurs n\u2019appliquent pas une approche g\u00e9n\u00e9raliste. Ils prennent les d\u00e9cisions au cas par cas.<\/p>\n

        \n
      1. Les assurances sant\u00e9 expatri\u00e9 remboursent-elles les tests de d\u00e9pistage du Covid-19 ? <\/strong><\/li>\n<\/ol>\n

        Si votre police d\u2019assurance sant\u00e9 prend en charge les d\u00e9pistages de routine, le co\u00fbt d\u2019un test pour le Covid-19 peut \u00eatre \u00e9ligible au remboursement. Cependant, certaines polices d\u2019assurance n\u2019incluent pas cette option. Si votre police d\u2019assurance ne prend pas en charge les d\u00e9pistages de routine, un test pour le Covid-19 sera uniquement pris en charge si vous pr\u00e9sentez des sympt\u00f4mes.<\/p>\n

          \n
        1. Les assurances sant\u00e9 priv\u00e9es remboursent-elles l\u2019achat de masques et d\u2019\u00e9quipements de protection contre le Covid-19\u00a0? <\/strong><\/li>\n<\/ol>\n

          Non, les assurances sant\u00e9 priv\u00e9es ne remboursent pas l\u2019achat d\u2019objets tels que les gants, les masques et les d\u00e9sinfectants pour les mains.<\/p>\n

            \n
          1. Mon assurance sant\u00e9 rembourse-t-elle les vid\u00e9o-consultations avec un docteur ? <\/strong><\/li>\n<\/ol>\n

            Etant donn\u00e9 que les consultations en face \u00e0 face sont actuellement d\u00e9conseill\u00e9es en raison du risque de propagation du virus, de nombreuses compagnies d\u2019assurance sant\u00e9 internationales remboursement actuellement les t\u00e9l\u00e9-consultations. Cependant, il est important de noter que certains assureurs couvrent uniquement les t\u00e9l\u00e9-consultations via une application mobile partenaire, donc pas forc\u00e9ment avec le m\u00e9decin de votre choix. V\u00e9rifiez votre police d\u2019assurance avant toute consultation.<\/p>\n

              \n
            1. Je vis \u00e0 l\u2019\u00e9tranger. Aurais-je le droit d\u2019\u00eatre \u00e9vacu\u00e9 ou rapatri\u00e9 au cas o\u00f9 je contracte le coronavirus ? <\/strong><\/li>\n<\/ol>\n

              En th\u00e9orie, si votre police d\u2019assurance prend en charge les \u00e9vacuations m\u00e9dicales, ce type de mesure serait mise en place au cas o\u00f9 vous contractez le coronavirus et qu\u2019aucun traitement n\u2019est disponible sur place. Concernant le Covid-19, il pourrait s\u2019agit, par exemple, d\u2019une difficult\u00e9 r\u00e9elle \u00e0 respirer, dans un pays mal \u00e9quip\u00e9 en unit\u00e9s de soins intensifs. En pratique, cependant, les \u00e9vacuations et rapatriements risquent d\u2019\u00eatre affect\u00e9s par les mesures internationales de fermetures de fronti\u00e8res et de restrictions de voyages actuellement en place pour contenir la pand\u00e9mie. Dans le cadre de leur r\u00e8glement de quarantaine, certains gouvernements peuvent \u00e9galement insister sur le fait que le patient soit trait\u00e9 localement. \u00a0<\/p>\n

              Veuillez noter que si vous avez voyag\u00e9 dans un pays \u00e0 l\u2019encontre des restrictions de voyage mises en place par votre gouvernement, une assurance ne prendra en charge aucun traitement contre le Covid-19.<\/p>\n

              Les compagnies d\u2019assurance sant\u00e9 internationale ne prennent pas en charge les \u00e9vacuations et rapatriements \u00e0 caract\u00e8re non m\u00e9dical des expatri\u00e9s souhaitant retourner vivre dans leur pays d\u2019origine pendant la pand\u00e9mie.<\/p>\n

               <\/p>\n

              Liens utiles<\/strong><\/p>\n

              Informations sur le coronavirus du gouvernement fran\u00e7ais<\/a><\/p>\n

              Informations sur les restrictions de traffic a\u00e9rien (IATA) <\/a>\u00a0<\/p>\n

              Informations de l\u2019organisation mondiale de la sant\u00e9<\/a><\/p>\n

              Pages d\u2019information sur le coronavirus de plusieurs compagnies d\u2019assurance sant\u00e9:<\/p>\n

              Globality Health<\/a><\/p>\n

              Allianz Care<\/a><\/p>\n

              Humanis Malakoff<\/a><\/p>\n

              April International Care<\/a><\/p>\n

              ASFE \/ MSH<\/a><\/p>\n

              Bupa Global<\/a><\/p>\n

              <\/p>\n

              [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbRow\u00a0\u00bb _builder_version=\u00a0\u00bb3.25″ background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb3.25″ custom_padding=\u00a0\u00bb|||\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_comments show_avatar=\u00a0\u00bboff\u00a0\u00bb admin_label=\u00a0\u00bbComments\u00a0\u00bb _builder_version=\u00a0\u00bb3.16″ use_border_color=\u00a0\u00bboff\u00a0\u00bb border_color=\u00a0\u00bb#ffffff\u00a0\u00bb border_style=\u00a0\u00bbsolid\u00a0\u00bb button_letter_spacing_hover=\u00a0\u00bb0″ button_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_radius__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_border_radius__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_radius__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_letter_spacing__hover_enabled=\u00a0\u00bbon\u00a0\u00bb button_letter_spacing__hover=\u00a0\u00bb0″ button_one_letter_spacing__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_letter_spacing__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_bg_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_bg_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_bg_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb] [\/et_pb_comments][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ custom_padding_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb admin_label=\u00a0\u00bbSection\u00a0\u00bb _builder_version=\u00a0\u00bb3.22″ background_color=\u00a0\u00bb#49a0c3″ custom_padding_tablet=\u00a0\u00bb50px|0|50px|0″ custom_padding_phone=\u00a0\u00bb\u00a0\u00bb transparent_background=\u00a0\u00bboff\u00a0\u00bb padding_mobile=\u00a0\u00bboff\u00a0\u00bb make_fullwidth=\u00a0\u00bboff\u00a0\u00bb use_custom_width=\u00a0\u00bboff\u00a0\u00bb width_unit=\u00a0\u00bbon\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb3.25″ background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb3.25″ custom_padding=\u00a0\u00bb|||\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbGet in Touch\u00a0\u00bb _builder_version=\u00a0\u00bb3.27.4″ background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb]<\/p>\n

              Contactez-nous<\/h2>\n

              [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00a0\u00bb1_2,1_2″ _builder_version=\u00a0\u00bb3.25″ background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2″ _builder_version=\u00a0\u00bb3.25″ custom_padding=\u00a0\u00bb|||\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbAppelez-nous au +33 (0)2 3088 0520″ image=\u00a0\u00bbhttps:\/\/www.expatassure.com\/wp-content\/uploads\/2014\/12\/icon-large-ea-06.png\u00a0\u00bb admin_label=\u00a0\u00bbCall Us\u00a0\u00bb _builder_version=\u00a0\u00bb3.0.87″ background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb use_border_color=\u00a0\u00bboff\u00a0\u00bb border_color=\u00a0\u00bb#ffffff\u00a0\u00bb border_style=\u00a0\u00bbsolid\u00a0\u00bb]<\/p>\n

              Nous sommes joignables du lundi au vendredi de 9 h \u00e0 17h (GMT).<\/p>\n

              [\/et_pb_blurb][et_pb_accordion open_toggle_text_color=\u00a0\u00bb#f7a249″ closed_toggle_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb closed_toggle_background_color=\u00a0\u00bb#f7a249″ admin_label=\u00a0\u00bbAccordion\u00a0\u00bb _builder_version=\u00a0\u00bb3.18.9″ use_border_color=\u00a0\u00bboff\u00a0\u00bb border_color=\u00a0\u00bb#ffffff\u00a0\u00bb border_style=\u00a0\u00bbsolid\u00a0\u00bb][\/et_pb_accordion][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2″ _builder_version=\u00a0\u00bb3.25″ custom_padding=\u00a0\u00bb|||\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbDemandez votre comparatif\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.expatassure.com\/fr\/votre-comparatif\/\u00a0\u00bb image=\u00a0\u00bbhttps:\/\/www.expatassure.com\/wp-content\/uploads\/2014\/12\/icon-large-ea-07-e1470037137683.png\u00a0\u00bb alt=\u00a0\u00bbDemandez votre comparatif\u00a0\u00bb admin_label=\u00a0\u00bbRequest a Comparison\u00a0\u00bb _builder_version=\u00a0\u00bb3.0.87″ background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbtop_left\u00a0\u00bb background_repeat=\u00a0\u00bbrepeat\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb use_border_color=\u00a0\u00bboff\u00a0\u00bb border_color=\u00a0\u00bb#ffffff\u00a0\u00bb border_style=\u00a0\u00bbsolid\u00a0\u00bb]<\/p>\n

              Remplissez un formulaire de demande d’assurance et nous vous rappellerons.<\/p>\n

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              Nos partenaires<\/h2>\n

              Nous \u00e9tablissons des partenariats avec des compagnies reconnues pour leur expertise et leur exp\u00e9rience dans le march\u00e9 des assurances pour expatri\u00e9s. Toutes les soci\u00e9t\u00e9s d\u2019assurances internationales avec lesquelles nous travaillons ont des solutions pour les particuliers et les entreprises.\u00a0<\/span>En savoir plus sur nos partenaires.<\/a><\/strong><\/p>\n

               <\/p>\n

              \"\"<\/p>\n

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              Derniers tweets<\/span><\/h2>\n

              [\/et_pb_text][et_pb_code][mgl_twitter slides=\u00a0\u00bb1″ count=\u00a0\u00bb5″ username=\u00a0\u00bbExpatAssure\u00a0\u00bb]<\/pee>[\/et_pb_code][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2″ _builder_version=\u00a0\u00bb3.25″ custom_padding=\u00a0\u00bb|||\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbDerniers articles\u00a0\u00bb _builder_version=\u00a0\u00bb3.27.4″ header_text_color=\u00a0\u00bb#4da0c3″ header_font_size=\u00a0\u00bb40px\u00a0\u00bb header_2_text_color=\u00a0\u00bb#4da0c3″ text_orientation=\u00a0\u00bbcenter\u00a0\u00bb]<\/p>\n

              Derniers articles<\/span><\/h2>\n

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              De nombreuses personnes nous ont contact\u00e9s ces derni\u00e8res semaines pour nous demander si les assurances sant\u00e9 internationales les couvriraient au cas o\u00f9 elles contracteraient le coronavirus Covid-19. En un mot, la r\u00e9ponse est oui. Mais la situation est un peu plus complexe. Que se passe-t-il, par exemple, avec les restrictions de voyages actuellement en place\u00a0? […]<\/p>\n","protected":false},"author":12312403,"featured_media":12324,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[147,1,96],"tags":[],"class_list":["post-12515","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-blog","category-blog-fr"],"yoast_head":"\nLes assurances sant\u00e9 internationales couvrent-elles le Covid-19 ? - Expat Assure | Insurance for Expatriates<\/title>\n<meta name=\"description\" content=\"Nous r\u00e9pondons au principales questions que vous pouvez vous poser concernant votre assurance sant\u00e9 expatri\u00e9 et la pand\u00e9mie de coronavirus.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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