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GENERAL TERMS AND CONDITIONS
A. HOW TO UNDERSTAND YOUR POLICY DOCUMENTATION
 
This document contains the General Terms and Conditions for the Insurance Policy You have subscribed to. Any ‘Bold’ text that You come across in this document has been defined in Section D. Definitions.
 
Your Insurance Policy is made up of Your Policy Schedule and these General Terms and Conditions, both of which You have/will receive/d by email upon the purchase of this Personal Accident Insurance Policy. These can also be accessed at any point in time via the My Account area after Your purchase.
You have/will purchase/d this contract from PSA Insurance Solutions Ltd., an online sales platform. PSA Insurance Solutions Limited is an Agent acting for PSA Insurance Ltd.
 
Your Policy Schedule contains Your personal details, and those of Your Family, whom You have chosen to insure, under this Policy. It also contains the cover You have chosen and the period for which You are insured. Please make sure that at any point in time the details are correct.
 
Please read this Insurance Policy carefully and make sure You understand and fully comply with its terms and conditions as failure to do so may jeopardise the payment of any claim which might arise and could lead to the Insurance Policy becoming void.
 
Our Personal Accident Insurance is an insurance covering the insured events described in Section E. for the Standard package, Section G. for the Comfort Package and Section I. for the Premium package which are titled What are you covered for?, provided there is no application of any exclusion set in Section K. Exclusions of this Insurance Policy.
 
The policy You have subscribed to is effective from the date You clicked on “Accept and Subscribe” and You are covered for the Period of Insurance stated in Your latest Policy Schedule.  
B. WHO ARE THE PARTIES TO THIS CONTRACT
 
PSA Insurance Limited: The Insurer, a company authorised by the Malta Financial Services Authority to carry on business of insurance under Registration no. C44567 and operates in France through the freedom of services regime. Registered Office: MIB House, 53, Abate Rigord Street, XBX1122 Ta’ Xbiex, Malta.
 
AND
 
You: The subscriber and Insured Person named in this Insurance Policy and who has satisfied all the following Eligibility Criteria required during the subscription process:
  • You are less than 65 years of age at the time of the subscription.
  • You are a resident in France.
C. SUM-UP OF THE COVERAGES 
 
The below table presents the coverages that are included in the Standard, Comfort and Premium packages. The extent of each coverage is further explained within this Insurance Policy. Specific conditions, limits and exclusions may apply to each coverage.

 

Coverages

 Insurance packages
Standard Comfort Premium

Death

 Yes   Yes
 Yes 
Medical Accident for the Insured, the Partner or the Dependent Adult  No  No Yes
Medical Accident for Dependent Children No No Yes
Permanent Total Invalidity Yes Yes Yes
Permanent Partial Invalidity
Yes Yes Yes
Medical Expenses
Yes Yes Yes
Hospitalisation
Yes  Yes Yes
Accommodation for hospitalised Dependent Children
Yes Yes Yes
Wheelchair and Prostheses
No No  Yes
Home & Vehicle transformation
No  No Yes
Education Expenses
No No  Yes
Private tuition Yes Yes Yes
Dependent Children’s activities fees No Yes  Yes 
Funeral Expenses Yes Yes Yes 
Travelling assistance Yes Yes  Yes
Psychological assistance  Yes Yes   Yes
Home Assistance  Yes Yes   Yes
 
In addition, the Insured may select the below options depending on the selected package during the subscription process. The extent of each optional coverage is further explained within this Insurance Policy. Specific conditions, limits and exclusions may apply to each coverage. The optional coverages that were selected by the Insured are listed in the Policy Schedule.

 

Optional Coverages

 Insurance packages
Standard Comfort Premium

Medical Accident for Dependent Children

Option
Option
Included
Permanent Disfigurement No Option Option 
Wheelchair and Protheses Option
Option
 Included
Home & Vehicle transformation Option
Option
 Included
Education Expenses
No  Option
 Included
Cyber bullying
Option Option
Option
Death of Partner by Accident
Option Option
Option 
Pet caring
Option Option
Option
Pet insurance
Option
Option Option
 
C. DEFINITIONS
 
The words or expressions detailed below have the following meaning wherever they appear in this Policy and will appear in Bold.

Accident: Means a sudden and unforeseen bodily or psychological and emotional injury caused by external causes (resulting from events beyond the Insured’s and their Family’s will and control).

Accommodation for hospitalised Dependent Children: Means that if the Insured’s Dependent Children are hospitalised after an Accident in a public or private hospital which is situated further than 30 kms from the Insured’s main residence, the costs of the rooming in the Dependent Children’s hospital room or a hotel will be covered under this Insurance Policy. The details are explained below under Section E. for the Standard package, Section G. for the Comfort Package and Section I. for the Premium package titled What are You covered for?
 
Agent: Means PSA Insurance Solutions Ltd., a company authorised to act as an Insurance Agency for PSA Insurance Ltd. and carry on insurance intermediation in France under the freedom to provide services provisions by the Malta Financial Services Authority (MFSA) under Registration no C83206. Registered Office: MIB House, 53, Abate Rigord Street, XBX1122 Ta’ Xbiex, Malta.
 
Anniversary Date: Means the day after the current Period of Insurance will expire. 
 
Beneficiary: Means the person receiving the benefits and compensation under this Insurance Policy. As described in Section L. How to make a Claim of this Insurance Policy
 
Claim Limit: Means the maximum amount per Period of Insurance that the Insured, their Partner, their Dependent Adult and their Dependent Children can be compensated for under this Policy. These are explained in Section F. for the Standard package, Section H. for the Comfort package and Section J. for the Premium package titled What is Your indemnity and Your Claim Limit? and where applicable shown on Your Policy Schedule. 
 
Consolidation: Means the moment when the invalidity is considered permanent since no further treatment can be provided, unless they are provided in order to limit the extent of said invalidity. 
 
Cooling-off Period: Means the period of thirty (30) full calendar days from the Effective Date or from the day You receive Your Insurance Policy, if this is provided after the Effective Date, during which You can cancel Your Policy without having to explain Your reasons subject that You have not made any claims during the said thirty-day period.
 
Dependent Adult: Means any individual in Your care, who is :
     - Between 18 years old and 25 years old if not engaged in Full-time study;
     - Under 65 years old.
The Dependent Adult must be residing at the same address as You. 
 
Dependent Children: Means any individual in Your care, who is under 18 years at the time of subscription or up to 25 years if engaged in Full-time study, who is not married or entered into a civil partnership.
 
Education Expenses: Means any education costs already incurred which the Dependent Children will not benefit from following an Accident which prohibits them from completing their scholastic year. These costs include tuition fees, transportation fees and any other costs directly related to their education.
 
Effective Date: Means the date from which this Insurance Policy has become legally binding for all parties.
 
Eligibility Criteria: Refers to the set of requirements that need to be in place for You and/or Your Family to subscribe to and benefit from this Insurance Policy.
 
Family: Refers to You and/or Your Partner and/or Your Dependent Adults and/or Your Dependent Children who live and are registered at the same address, (unless engaged in Full-time study in a different location) and if they are listed in the Policy Schedule.
 
Full-time study: Refers to any student who is required to carry a full course load, with a set number of hours as determined by the local school system, or the competent institution.
 
Funeral Expenses: Means the costs incurred for the organization of a funeral including costs of burial, cremation or any other chosen method of interment.
 
Geographical Limits: Means the area in which this Insurance Policy is providing You cover as described in Your Policy Schedule.
 
Guarantee Fund: Means the state entities which indemnify the victims whenever there is no identified third party. In particular, there are Guarantee Funds in case of terrorism and in case of Medical Accidents.
 
Home Assistance: Assistance in accomplishing the everyday tasks such as gardening, shopping for groceries, cleaning the house, Dependent Children sitting and cooking.
 
Hospitalisation: Refers to the period of time over and above 24 hours that You and/or Your Family need to be recovered in a private or public hospital as a result of an injury due to an Accident.
 
Insurance Policy: Refers to Your Policy Schedule/s and these General Terms and Conditions.
 
Insurance Premium: This is the price You paid for the cover provided under this Policy including any taxes/fees due to the respective authorities in the country where this Policy is purchased. The Insurance Premium is shown on Your Policy Schedule. The Insurance Premium is constituted of the price of the package and any additional option that You selected.
 
Insured/You/Your: Means the main insured person named in the Policy Schedule.
 
Insurer/We/Us/Our: PSA Insurance Ltd., a company authorised by the Malta Financial Services Authority to carry on business of insurance under Registration no. C44567. Registered Office: MIB House, 53, Abate Rigord Street, XBX1122 Ta’ Xbiex, Malta. The Insurer operates under freedom of services in France.
 
Invalidity Percentage: Means the percentages as set in the invalidity percentage table in Section S. The percentage of indemnity varies depending on the condition which lead to the permanent invalidity.
 
Medical Accident: Means an unforeseen event which had damaging consequences for the health or physical integrity of the Insured and/or their Family and which has altered the normal course of the initial pathology. In particular, Iatrogenic conditions and nosocomial infections are covered under this Insurance Policy. The Medical Accident must result from surgical procedures, prevention, diagnosis, exploration, treatment by certified medical professionals.
 
Medical Expert: Refers to a medical professional licensed to practice in France that has been engaged by the claimant or by a medical institution to certify the state of health or the cause of death of the Insured and/or their Family
 
Medical Certificate: Refers to the document stating the result of a medical examination conducted by a professional doctor to give evidence of the Insured’s or their Family’s state of health or cause of death.
 
Medical Expenses: Means the medical, paramedical, pharmaceutical and/or surgical costs prescribed by certified medical professionals. In addition, transportation costs are covered under this Insurance Policy (i.e from the Accident site to the hospital or from the Insured’s residence to and from the place where the treatment takes place).
 
My Account: Means the secure area on the website www.psa-insurance-solutions.fr/my-account, which You may access by entering a user name and password. It contains Your Insurance Policy, together with any other documents for the administration of Your Insurance Policy. Access to these documents is guaranteed for ten (10) years after the end of the contractual relationship.
 
National Competent Authority: Means any French authority which has the competence to assess invalidity for the purposes of granting social security benefits, or any Medical Expert qualified to issue a Medical Certificate.
 
Partner: Means the second insured person who may be the spouse, co-habiting Partner or Partner in civil union, residing at the same postal address of the Insured and provided they are not legally or factually separated.
 
Period of Insurance: Means the dates between which this Insurance Policy is in force as highlighted in Your Policy Schedule.
 
Permanent Disfigurement: Means a permanent alteration of the appearance of the Insured or their Family following an Accident. In particular, a scar, a distortion, a broken tooth are considered as a Permanent Disfigurement.
 
Permanent Total Invalidity: Refers to a permanent and incurable impairment due to an Accident, that renders You and/or Your Family permanently unable to exercise any work or professional activity, including professional activities which are different from the professional activity exercised so far. The Permanent Total Invalidity may be physical, mental and/or intellectual. A Permanent Total Invalidity must be confirmed by a certificate issued by a National Competent Authority or the Medical Certificate issued by a Medical Expert in 3rd category with a need of the assistance from a 3rd person and must be of at least 80%.
 
Permanent Partial Invalidity: Refers to a permanent and incurable impairment due to an Accident which is partial. The Permanent Partial Invalidity may be physical, mental and/or intellectual. The Permanent Partial Invalidity and the Invalidity Percentage must be confirmed by a certificate issued by a National Competent Authority or the Medical Certificate issued by a Medical Expert. The Permanent Partial Invalidity must be of at least 10%.
 
Policy Schedule: Means the document containing the details related to this Policy based on the information You provided.
 
Renewal Notice: Means the renewal notification which We will send to the email address You provided Us during subscription.
 
Unutilised Share of Premium: Is equal to Your Insurance Premium including any taxes, fees and parafiscal charges, which You have already paid multiplied by the number of remaining days covered by Your latest payment and then divided by the total number of days covered by Your latest payment.

Standard package
E. What are Your covered for? F. What is Your indemnity and Your Claim Limit?
For the Standard package, We will cover You and/or Your Family for the following insured events resulting from an Accident. The compensation received by the Beneficiary under this Insurance Policy will be subject to the following limits for the Standard package.
E.1. Death  F.1. Lump sum of 15,000€ 
E.2. Permanent Total Invalidity  F.2. Lump sum of 15,000€ 
E.3. Permanent Partial Invalidity  F.3. The indemnity will be calculated by taking the Invalidity Percentage and multiply it by the sum insured. The sum insured is set at 15,000€. 
E.4. Medical Expenses
F.4. The real costs born by the Insured and/or their Family are refunded up to a limit of 1500€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
E.5. Hospitalisation
F.5. If the Insured and/or their Family is hospitalised as an in-patient for 24 hours or more as a direct result of an Accident We will pay a sum of 50€ for each 24 hour period they are hospitalised. This cover has a total limit of 1500€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
E.6. Accommodation for hospitalised Dependent Children
F.6. The real costs born by the Insured and/or their Family are refunded up to a daily limit of 30€ per day and a total limit of 900€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
E.7. Private tuition
F.7. Educational assistance for the Dependent Children might be necessary after Your or Your Family’s Accident. The Dependent Children may be covered for up to 10 private tuition up to a maximum limit of €200 per Dependent Child.
E.8. Funeral Expenses
F.8. The costs of the funeral will be refunded up to a limit of 1500€ per deceased person.
E.9. Travelling assistance
F.9. The reasonable travelling costs of a relative that provides You and/or Your Family with assistance following an Accident will be refunded if You and Your Family were covered under another insured event, up to a limit of 100€.
E.10. Psychological assistance
F.10. The Insured and/or their Family may need psychological assistance following the Accident. The Insured and/or their Family are entitled to 3 sessions per person with a psychologist (over the phone or at a practice), with a limit of 60€ per session. The sessions must occur within 6 months from the date of the Accident in order to be able to claim under this cover.
E.11. Home Assistance
F.11. The Insured and/or their Family may need Home Assistance following the Accident. The Insured and/or their Family are entitled to 30 hours with a total limit of 450€. The assistance must occur within 1 month from the date of the Accident.
 
 
Standard package - Optional covers
E. What are Your covered for? F. What is Your indemnity and Your Claim Limit?
For the Standard package, We will cover You and/or Your Family for the following insured events resulting from an Accident provided that You selected them during the subscription process. The chosen options will be indicated in Your latest Policy Schedule. The compensation received by the Beneficiary under this Insurance Policy will be subject to the following limits for the Standard package, only applicable when the Insured selected the option(s) during the subscription process.
E.1. Medical Accident for Dependent Children F.1. The real costs born by the Insured for the Dependent Children will be refunded up to a limit of 2500€ following the Medical Accident. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
E.2. Wheelchair and Prostheses  F.2. The real costs born by the Insured and/or their Family will be refunded up to a limit of 4000€ provided they are necessary following the Accident. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, any other insurance, by the Guarantee Fund or state entity cannot be refunded. 
E.3. Home & Vehicle transformation
F.3. The costs that are necessary to transform the Insured's residence and their vehicle or to purchase a new one in order to cater for the Permanent Total Invalidity or the Permanent Partial Invalidity. The home and vehicle discomfort must be medically proven and explained in a Medical Certificate. Provided that the Guarantee Fund intervenes, We will cover the difference between the acquisition costs and/or transformation costs and the indemnity paid by the Guarantee Fund. The applicable limit is set at 30000€. 
E.4. Cyber bullying  F.4. The Insured and/or their Family may need Psychological assistance following cyber bullying. The Insured and/or their Family are entitled to 5 sessions per person with a psychologist (over the phone or at a practice), with a limit of 40€ per session. The sessions must occur within 6 months from the date on which the Insured was made aware of the Cyber bullying.
E.5 Death of Partner by Accident unless the Partner is already insured under this Policy
F.5. A lump sum of 15000€
E.6. Pet caring
F.6. The costs of a kennel or cattery will be refunded provided that the Insured and/or their Family cannot take care of the pet due to the Accident. The applicable limit is set at 450€. The pet may be put in a kennel or cattery for a duration of 1 month.
E.7. Pet insurance
F.7. In the event the pet is injured due to an Accident, the costs of surgery done by a vet and the costs of medication post-surgery will be refunded. In the event the pet had to be taken in an animal ambulance from the place of the Accident to the vet clinic, the costs will be refunded as well. The applicable limit is set at 1000€.

Comfort package
G. What are Your covered for? H. What is Your indemnity and Your Claim Limit?
For the Comfort package, We will cover You and/or Your Family for the following insured events resulting from an Accident. The compensation received by the Beneficiary under this Insurance Policy will be subject to the following limits for the Comfort package.
G.1. Death  H.1. Lump sum of 35,000€ 
G.2. Permanent Total Invalidity  H.2. Lump sum of 35,000€ 
G.3. Permanent Partial Invalidity  H.3. The indemnity will be calculated by taking the Invalidity Percentage and multiply it by the sum insured. The sum insured is set at 35,000€. 
G.4. Medical Expenses
H.4. The real costs born by the Insured and/or their Family are refunded up to a limit of 3000€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
G.5. Hospitalisation
H.5. If the Insured and/or their Family is hospitalised as an in-patient for 24 hours or more as a direct result of an Accident We will pay a sum of 50€ for each 24 hour period they are hospitalised. This cover has a total limit of 2500€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
G.6. Accommodation for hospitalised Dependent Children
H.6. The real costs born by the Insured and/or their Family are refunded up to a daily limit of 50€ per day and a total limit of 2500€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
G.7. Private tuition
H.7. Assistance for the Dependent Children might be necessary after Your or Your Family’s Accident. The Dependent Children may be covered for up to 30 private tuitions. The limit of indemnity that the Insured will receive is set at 600€.
G.8. Funeral Expenses
H.8. The costs of the funeral will be refunded up to a limit of 3500€ per person.
G.9. Travelling assistance
H.9. The reasonable costs of travelling of a relative up to a limit of 200€ will be refunded.
G.10. Psychological assistance
H.10. The Insured and/or their Family may need psychological assistance following the Accident. The Insured and/or their Family are entitled to 5 sessions with a psychologist (over the phone or at a practice), with a limit of 60€ per session. The sessions must occur within 6 months from the date of the Accident in order to be able to claim under this cover.
G.11. Home Assistance
H.11. The Insured and/or their Family may need Home Assistance following the Accident. The Insured and/or their Family are entitled to 90 hours with a total limit of 1350€. The assistance must occur within 2 months from the date of the Accident.
G.12. Dependent Children’s activities fees H.12. The costs of the Dependent Children's extracurricular activities will be refunded pro-rata temporis up to a limit of 450€.
 
 
Comfort package - Optional covers
G. What are Your covered for? H. What is Your indemnity and Your Claim Limit?
For the Comfort package, We will cover You and/or Your Family for the following insured events resulting from an Accident provided that You selected them during the subscription process. The chosen options will be indicated in Your latest Policy Schedule. The compensation received by the Beneficiary under this Insurance Policy will be subject to the following limits for the Comfort package, only applicable when the Insured selected the option(s) during the subscription process.
G.1. Medical Accident for Dependent Children H.1. The real costs born by the Insured for the Dependent Children will be refunded up to a limit of 7500€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
G.2. Wheelchair and Prostheses  H.2. The real costs born by the Insured and/or their Family will be refunded up to a limit of 8000€ in the event they are necessary following the Accident. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, any other insurance, by the Guarantee Fund or state entity cannot be refunded. 
G.3. Home & Vehicle transformation
H.3. The discomfort must be proven medically and explained in a Medical Certificate. In the event that the Guarantee Fund must intervene, We will cover the difference between the total costs that are necessary for the acquisition costs or transformation costs and the indemnity paid by the Guarantee Fund. The applicable limit is set at 50000€.
G.4. Cyber bullying  H.4. The Insured and/or their Family may need psychological assistance following cyber bullying. The Insured and/or their Family are entitled to 5 sessions with a psychologist (over the phone or at a practice), with a limit of 40€ per session. The sessions must occur within 6 months from the date on which the Insured was made aware of the Cyber bullying.
G.5 Death of Partner by Accident unless the Partner is already insured under this Policy
H.5. A lump sum of 35000€
G.6. Pet caring
H.6. The costs of a kennel or cattery will be refunded provided that the Insured and/or their Family cannot take care of the pet due to the Accident. The applicable limit is set at 450€. The pet may be put in a kennel or cattery for a duration of 1 month.
G.7. Pet insurance
H.7. In the event the pet is injured due to an Accident, the costs of surgery done by a vet and the costs of medication post-surgery will be refunded. In the event the pet had to be taken in an animal ambulance from the place of the Accident to the vet clinic, the costs will be refunded as well. The applicable limit is set at 1000€.

Premium package
I. What are Your covered for? J. What is Your indemnity and Your Claim Limit?
For the Premium package, We will cover You and/or Your Family for the following insured events resulting from an Accident. The compensation received by the Beneficiary under this Insurance Policy will be subject to the following limits for the Premium package.
I.1. Death  J.1. Lump sum of 50,000€ 
I.2.  Medical Accident for the Insured, the Partner or the Dependent Adult J.2. The real costs born by the Insured and/or the Dependent Adult and/or the Partner will be refunded up to a limit of 7500€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
 I.3. Medical Accident for Dependent Children J.3. The real costs born by the Insured for the Dependent Children will be refunded up to a limit of 7500€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
I.4. Permanent Total Invalidity  J.4. Lump sum of 50,000€ 
I.5. Permanent Partial Invalidity  J.5. The indemnity will be calculated by taking the Invalidity Percentage and multiply it by the sum insured. The sum insured is set at 50,000€. 
I.6. Medical Expenses
J.6. The real costs born by the Insured and/or their Family are refunded up to a limit of 5000€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
I.7. Hospitalisation
J.7. If the Insured and/or their Family is hospitalised as an in-patient for 24 hours or more as a direct result of an Accident We will pay a sum of 50€ for each 24 hour period they are hospitalised. This cover has a total limit of 7500€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
I.8. Accommodation for hospitalised Dependent Children
J.8. The real costs born by the Insured and/or their Family are refunded up to a daily limit of 50€ per day and a total limit of 7500€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
I.9. Wheelchair and Prostheses
J.9. The real costs born by the Insured and/or their Family will be refunded up to a limit of 10000€ in the event they are necessary following the Accident. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, any other insurance, by the Guarantee Fund or state entity cannot be refunded.
I.10. Home & Vehicle transformation J.10. The costs that are necessary to transform the Insured's residence and their vehicle or to purchase a new one in order to cater for the Permanent Total Invalidity or the Permanent Partial Invalidity. The discomfort must be proven medically and explained in a Medical Certificate. In the event that the Guarantee Fund must intervene, We will cover the difference between the total costs that are necessary for the acquisition costs or transformation costs and the indemnity paid by the Guarantee Fund. The applicable limit is set at 75000€.
I.11. Education Expenses J.11. If the Dependent Children cannot attend the place of education following an Accident, the costs will be refunded pro-rata temporis. The Dependent Children must not be able to attend the place of education for the rest of the scholastic year. The limit is set at 10000€
I.12. Private tuition
J.12. Assistance for the Dependent Children might be necessary after the Accident. The Dependent Children may be covered for up to 630 private tuitions. The limit of indemnity that the Insured will receive is set at 1200€.
I.13. Dependent Children’s activities fees J.13 The costs of the Dependent Children's extracurricular activities will be refunded pro-rata temporis up to a limit of 600€.
I.14. Funeral Expenses
J.14. The costs of the funeral will be refunded up to a limit of 5000€ per person.
I.15. Travelling assistance
J.15. The reasonable costs of travelling of a relative up to a limit of 400€ will be refunded.
I.16. Psychological assistance
J.16. The Insured and/or their Family may need psychological assistance following the Accident. The Insured and/or their Family are entitled to 15 sessions with a psychologist (over the phone or at a practice), with a limit of 60€ per session. The sessions must occur within 6 months from the date of the Accident in order to be able to claim under this cover.
I.17. Home Assistance
J.17. The Insured and/or their Family may need Home Assistance following the Accident. The Insured and/or their Family are entitled to 120 hours with a total limit of 1800€. The assistance must occur within 2 months from the date of the Accident.
 
 
Premium package - Optional covers
I. What are Your covered for? J. What is Your indemnity and Your Claim Limit?
For the Premium package, We will cover You and/or Your Family for the following insured events resulting from an Accident provided that You selected them during the subscription process. The chosen options will be indicated in Your latest Policy Schedule. The compensation received by the Beneficiary under this Insurance Policy will be subject to the following limits for the Premium package, only applicable when the Insured selected the option(s) during the subscription process.
I.1. Permanent Disfigurement
J.1. The real costs born by the Insured will be refunded up to a limit of 20000€. Indeed, the costs which are refunded by the national Social Security, by health Mutual Insurances, by any other insurance, by the Guarantee Fund or state entity cannot be refunded.
I.2. Cyber bullying
J.2. The Insured and/or their Family may need psychological assistance following cyber bullying. The Insured and/or their Family are entitled to 5 sessions with a psychologist (over the phone or at a practice), with a limit of 40€ per session. The sessions must occur within 6 months from the date on which the Insured was made aware of the Cyber bullying.
I.3. Death of Partner by Accident unless the Partner is already insured under this Policy
J.3. A lump sum of 50000€
I.4. Pet caring
J.4. The costs of a kennel or cattery will be refunded provided that the Insured and/or their Family cannot take care of the pet due to the Accident. The applicable limit is set at 1000€. The pet may be put in a kennel or cattery for a duration of 2 months.
I.5. Pet insurance
J.5. In the event the pet is injured due to an Accident, the costs of surgery done by a vet and the costs of medication post-surgery will be refunded. In the event the pet had to be taken in an animal ambulance from the place of the Accident to the Vet clinic, the costs will be refunded as well. The applicable limit is set at 1000€.
K. GENERAL EXCLUSIONS
 

For all the coverages, We will NOT cover You and/or Your Family:

K.1. For any event which is not directly or indirectly caused by an Accident: illnesses, diseases, surgeries, heart failures, aneurisms, back pain, psychological disorders (without prejudice to psychological assistance required because of the Accident or cyber bullying, as stated out above) and any other medical conditions, irrespective of whether they are of a chronic nature or not.
 
K.2. Vascular or circulatory Accident (strokes, heart failure)
 
K.3. For any Accident resulting from You and/or Your Family being under the influence of alcohol, narcotics, plants or un-prescribed drugs as defined, and in excess of the thresholds set by the legislation within the Geographical Limits. Being under the influence shall mean that the relevant person's ability to perceive and to react are so impaired that the relevant person is no longer able to cope with the requirements of the specific dangers of the situation.
 
K.4. For any claim caused by:
  • known side effects where medicines are taken correctly under medical supervision or guidance;
  • medicines taken incorrectly;
  • medicines for treating drug addiction;
  • known risks associated with a medical or surgical procedure;
  • a gradual loss of use or function which is not a direct result of an Accident.
K.5. For any claim for hospitalisation in a psychiatric ward, nursing, convalescent or residential care home, rehabilitation centre, or any establishment used primarily for the treatment of alcohol or drug addiction; or any similar wards/units within a hospital which provide any of these services
 
K.6. For any Accident if the driver didn’t have a valid driving licence.
 
K.7. For any Accident resulting from the participation in or acting as an accessory to any crime or attempted crime.
 
K.8. For any deliberate Accident which is caused by any of the Beneficiaries.
 
K.9. If the Accident occurs outside the Geographical Limits or outside the Period of Insurance, stated in Your Schedule.
 
K.10. For any claim resulting from an insured person’s:
  • suicide or deliberate self inflicted injury;
  • reckless and deliberate exposure to known danger (except in an attempt to save human life);
K.11. If the Accident arises directly or indirectly, in whole or in part, due to any act or omission which is wilful, unlawful or negligent on Your and/or Your Family’s part.
 
K.12. If the Accident occurs during sport trials, speed racing and the following dangerous sports: scuba diving, sky diving, paragliding, climbing, abseiling, rafting, base jumping and horse riding.
 
K.13. For Accidents arising from riots, strikes and civil commotion, war, acts of war and terrorism provided the Insured and/or their Family took an active part in it.
 
K.14. If the costs are already paid by the Guarantee Fund, the National Social Security, the Health Mutual Insurances, or any other insurance.
 
K.15. If the Hospitalisation lasts less than 24 hours.
 
K.16. Any further treatment after Consolidation.
 
K.17. For protheses and glasses under the Medical Expenses cover.
L. HOW TO MAKE A CLAIM AND YOUR CLAIM CONDITIONS


You
 must comply with the following instructions to have the full protection of Your Policy. If You do not comply with them, We may refuse to deal with Your claim.

L.1. In the event of an Accident, please contact Us to report Your claim via this link: psa-insurance-solutions.fr/my-account.
 
L.2. You must report Your claim within ten (10) days from when the Accident has occurred.
 
L.3. You must provide the Insurer with the following documents:
 
For all packages General documentation Specific documentation
Death Completed Claim Declaration Form; Identification for each of the claimants; Proof of residence of the claimants; Proof of Accident – including any existing police reports; Claim form (as can be accessible from Our website) completed by the treating physician/general practitioner/consulting specialist. In case of assault or terrorism, the Insured and/or their Family must provide a police report.
Death certificate
Notarial deed or certificate of inheritance
Medical Accident for the Insured, the Partner or the Dependent Adult
Payment schedule of national/private health insurance
Medical Accident for Dependent Children
Birth certificate
Permanent Total Invalidity
Certificate by the National Competent Authority or Medical Certificate issued by a Medical Expert as proof of invalidity level/percentage
Permanent Partial Invalidity
Certificate by the National Competent Authority or Medical Certificate issued by a Medical Expert as proof of invalidity level/percentage
Medical Expenses
Payment schedule of national/private health insurance
Medical invoices
Hospitalisation
Hospital records highlighting the date of admission and date of discharge
Accommodation for hospitalised Dependent Children
Accommodation invoices
Hospital records highlighting the date of admission and date of discharge
Payment schedule of National/Private health Insurance

Wheelchair / Prostheses
Medical invoices
Home & Vehicle transformation
Invoices
Proof of payment of the indemnity paid by the Guarantee Fund or other insurers
Education Expenses
School invoice/Schedule
Proof of payment
Private tuition
Tuition invoice
Dependent Children’s activities fees
Invoice
Proof of payment
Funeral expenses
Funeral Expenses invoices
Travelling assistance
Travel invoice
Psychological assistance
Therapy invoice
Home Assistance
Services invoice
Optional coverages
Permanent Disfigurement
Completed claim form; Identification for each of the claimants; Proof of Residence of the claimants; Proof of Accident – including any existing police reports; Claim form (as can be accessible from Our website) completed by the treating physician/general practitioner/consulting specialist. In case of assault or terrorism, the Insured and/or their Family must file a police report.
Payment schedule of national/private health insurance
Medical Invoices
Birth certificate
Cyber bullying
Therapy invoice
Pet caring  Kennel or cattery invoices
Pet insurance
Vet invoices
 
Additionally, We reserve the right to request any additional document deemed necessary to verify Your claim.
 
In order to verify Our obligation to perform, We may require information from
  • physicians, general practitioners or consulting specialists who treated or examined the Insured before or after the Accident;
  • other insurers, institutions and authorities.
 
You or Your Family must enable us to obtain the necessary information.
For this purpose, the Insured may authorise the physicians, general practitioners or consulting specialists and the aforementioned authorities to provide Us with the information directly. Otherwise, the Insured may obtain the information himself and make it available to us.
 
Where required, We have the right to select and authorize one or more Medical Experts to assess any claim under this Insurance Policy. Any Insured has the obligation to permit the required medical examination by any of these Medical Experts. We shall bear the costs of any earnings lost as a consequence of the examination.
 
We hereby undertake to pay to the Beneficiary the compensation to which he/she is entitled within thirty (30) days of the date of receipt of the notification, provided that all the supporting documentation required in list L.3 above have been provided, and that the claim is covered.
 
Attention: if the Insured and/or their Family act in bad faith and willingly increase the extent of the loss or hide the receipt of indemnities by other private or public entities, We will not cover the claim.
 
L.4. Determination of the Beneficiary of the Compensation
 
The indemnities under all the coverages are paid to the Insured (except for death and Funeral Expenses as indicated below).
 
In the event of death and for the Funeral Expenses:
 
In case of death of the Insured, the compensation is paid :
In case of death of the Partner, the compensation is paid:
In case of death of a Dependent Child, the compensation is paid:
In case of death of a Dependent Adult, the compensation is paid:
- to the surviving spouse not legally or factually separated,
- failing that, to the Partner to whom the Insured was bound by a civil solidarity pact not legally or factually separated,
- failing that, to their children,
- failing that, to their concubine not legally or factually separated,
- failing this, to the heirs of the Insured in accordance with the applicable regulations.

- to the surviving spouse not legally or factually separated,
- failing that, to the Insured to whom the Partner was bound by a civil solidarity pact not legally or factually separated,
- failing that, to their children,
- failing that, to their concubine (not legally or factually separated,
- failing this, to the heirs of the Insured in accordance with the applicable regulations.
- to the legal representative
- to the heirs of the Dependent Adult in accordance with the applicable regulations.
 
 
M. GENERAL CONDITIONS
 
M.1. Duty of Care
 
You and Your Family must take reasonable precautions to avoid further injury in the event of an Accident.
 
M.2. Fraud
 
You and Your Family must not act in a fraudulent manner. If You, Your Family or anyone acting for You:
  • Make a claim under the Insurance Policy knowing the claim to be false, or fraudulently exaggerated in any respect; or
  • Make a statement in support of a claim, knowing the statement to be false in any respect; or
  • Submit a document in support of a claim, knowing the document to be forged or false in any respect; or
  • Make a claim in respect of any Accident caused by Your wilful act, or with Your connivance.

Then:

  • We shall not pay the claim;
  • We shall not pay any other claim which has been made or will be made under the Insurance Policy;
  • We may at Our option declare the Insurance Policy void;
  • We shall be entitled to recover from You the amount of any claim already paid under the Insurance Policy;
  • We shall not make any return of Insurance Premium;
  • We may inform the police of the circumstances.
M.3. Duty of Disclosure
 
The Insurance Policy has been issued based upon information, which You have given Us about Yourself, and Your Family. You have a duty to tell Us of any change to this information, as failure to do so may invalidate or limit Your cover under this Insurance Policy(1). We will then advise You of any change in terms. You must notify Us of any change in the information You provided to Us as soon as You become aware of the change request by completing the Queries Form on Our website www.psa-insurance-solutions.fr/queries.
 
We need to be told whenever any of the following occur:
  • Any information on your current Policy Schedule changes.
  • You want to add or remove a Partner, a Dependent Adult or a Dependent Child to/from your insurance. - Your main private residence is no longer in France.
  • Your Partner stops residing at the same postal address as You.
  • Your Dependent Children:
    • get married or enter into a civil partnership;
    • reach age 18 or if engaged in Full-time study between 18 and 25, at the age of termination of the Full-time study;
    • stop residing at the same postal address as You, except for the Full-time study.
  • Your Dependent Adult:
    • Stops residing at the same postal address as You.
  • You or one member of Your Family pass away.
M.4. The Law Applicable to this Insurance Policy
 
This Insurance Policy is governed by French law. If there is a dispute, it will only be dealt with in the courts of France.
 
M.5. Statute of Limitations
 
All legal actions arising under an insurance contract are barred by limitation of two (2) years after the event that gave rise to them(2). The limitation is dictated by the Law in France and as such neither We nor You can change the term or the causes of suspension to this period.
 
However, in case where the conditions provided in articles L.114-1 of Insurance Code are satisfied:
 
        M.5.1. In case of non-disclosure, an incomplete declaration, misrepresentation or an inaccurate declaration from Your part concerning the risk insured, this time period shall run from the date on which We became aware of this.
        M.5.2. In case of a claim, this time period shall run only as from the date on which the We/You became aware of the same, if We/You can prove that they were unaware of it until such time.
 
Where Your action against the Insurer is the result of a right of remedy exercised by a third party, the limitation period shall run as from the date on which the said third party brought legal action against You or was compensated by the Insured.
 
The limitation period is interrupted by any of the ordinary causes of interruption of the limitation period and by the appointment of Medical Experts following an Accident. The limitation period may also be interrupted by the dispatch receipt through an authentic channel that provides reliable evidence on the contents of the communication and its actual delivery or email, forwarded by the Insurer to the Insured where it concerns action for payment of the Insurance Premium, and by the Insured to the Insurer where it concerns payment of the compensation.
N. YOUR INSURANCE PREMIUM, PAYMENT & RENEWAL
 

N.1. The Insurance Premium

The total price You will need to pay for the Period of Insurance stated in Your Schedule is based on the following monthly Insurance Premiums:

Premium (all taxes included) Standard  Comfort  Premium
 € 3  € 4  € 7
 
Depending on the options that You selected, additional Insurance Premiums might be charged and You can find the total in Your Policy Schedule. The above table presents the Insurance Premiums payable by each adult. Together with each adult, its Dependent children can be insured free of charge.
 
For each package, optional covers are available. You will find below the Insurance Premiums for each optional cover. The Insurance Premiums for each optional cover are per Insurance Policy. The Insurance Premiums vary depending on the limit of coverage that each option grants. 
 
 
You can find below two examples :
  1. A family of 2 adults and 2 Dependent Children who selected the Premium pack, and the “Cyber bullying”, “Pet caring” and “Pet insurance” options will pay 15,75 euros per month (7 + 7 + 0,50 + 0,75 + 0,50).
  2. A Single parent insuring 1 Dependent Child and 1 student Dependent Child (under 25 years old and engaged in Full-time study) who selected the Standard pack, “Home & vehicle transformation” and “Wheelchair and Protheses” will pay 4,50 euros per month (3 + 0,50 + 1).
The above Insurance Premiums include any applicable tax.
 
N.2. Payment
 
Your Insurance Premium will be paid on a monthly basis according to the payment method chosen upon subscription.
 
N.3. Renewal
 
Your Policy will be renewed automatically on the Anniversary Date of this Insurance Policy and You will be charged the Insurance Premium according to the cover and the payment method You selected during the subscription process.
 
We will inform You that Your Policy is due for renewal by sending You a Renewal Notice seventy (70) days prior to the Anniversary Date of the current Period of Insurance
O. TERMINATION AND CANCELLATION OF YOUR POLICY
 

You/ We may terminate or Cancel Your Policy in the following cases:

How and what will We be refunding You and other details:

O.1. You may cancel Your Policy during the Cooling-off period.

Complete the form in the queries section of the website: www.psa-insurance-solutions.be/queries or send a registered letter to the Insurer within thirty (30) days from the Effective Date or from the day You receive Your Policy, if this is provided after the Effective Date, during which You can cancel Your Policy without having to explain Your reasons. Here is an example of what You can write to request the cancellation:

“I the undersigned [First Name and Surname], resident at [Address], hereby declare that I wish to cancel, the insurance policy [Policy Number].

Date [Please complete] Signature [Your signature]"

Provided that You have not reported any claims We will refund You Your Insurance Premium.

O.2. We may terminate Your Policy on the Anniversary Date.

We must send a notice of termination by means of registered letter or by email notification at least two (2) months prior to the Anniversary Date.

O.3. You may Terminate Your Policy at any time in the future and for any reason during the Period of Insurance.

Complete the cancellation form in the queries section of the website: www.psa-insurance-solutions.be/queries 

Provided that You have not reported any claims We will refund You, within thirty (30) days, the Proportionate Unutilised Share of Your Insurance Premium.

O.4. We may cancel or Terminate Your Policy in the event that You have intentionally or unintentionally undisclosed or misrepresented information about the risk to Us.

We will send You a written notification by means of registered letter or by email giving You ten (10) days' notice where at Our discretion We will:

  • Give You the option to maintain this Policy at an additional Insurance Premium.
  • Terminate Your Policy and refund You the Proportionate Unutilised Share of Your Insurance Premium as from the date that We became aware of the change. Provided that no claims have been paid during the Period of Insurance.

O.5. We may Terminate Your Policy in the event that You do not pay part or all of Your Insurance Premium [3].

1. In the event that You do not pay part or all of Your Insurance Premium within ten (10) days of the Premium due date, We reserve the option of sending You a registered letter giving formal notice, and if the Insurance Premium due is still not paid within thirty (30) days we may at our sole discretion

  • Suspending the agreement, and
  • Continue claiming the premium.
You will not be covered by the insurance unless and until payment is effected.  
 
2. In the event that You do not pay this part or all of Your Insurance Premium within ten (10) days after the period of thirty (30) days above mentioned, We may at Our sole discretion:
  • Terminate the agreement, or
  • Claim the amount due; in such case, the insurance will be suspended until 24 hours after the payment has been effected. 

O.6. We may terminate Your Policy in the event that there is a direct or indirect disclosed change in risk which is not compliant with the Eligibility Criteria of this Policy.

We will send You a written notification by means of registered letter or by email giving You ten (10) days’ notice where at Our discretion We will:
  • Give You the option to maintain this Policy at an additional Insurance Premium; if You do not act within thirty (30) days on Our proposal or if you expressly refuse the new amount, We may terminate the forward contract within this period.
  • Terminate Your Policy and refund You the Proportionate Unutilised Share of Your Insurance Premium as from the date that We became aware of the change. Provided that no claims have been paid during the Period of Insurance

P. HOW TO MAKE A COMPLAINT

 

This Policy is subject to French law.
 

For any request related to this Insurance PolicyYou may contact Us by using the form in the complaints section of the website: www.psa-insurance-solutions.fr/complaintsWe hereby undertake to acknowledge receipt within ten (10) working days and to deal with Your complaint within fifteen (15) days of receipt of all the documents necessary in order to examine the same.

If You are not satisfied with the response given by Us to Your complaint, You may:

  • Refer the dispute in writing to the Office of the Arbiter for Financial Services (OAFS) on http://financialarbiter.org.mt/en/Pages/Home.aspx and submit the forms explained in the above mentioned website;
  • Refer the case to the Autorité de Contrôle Prudentiel et de Résolution situated at 4 Place de Budapest. CS 92459. 75436 PARIS CEDEX 09 or,

At any point in time, You retain the right to refer any dispute related to this Insurance Policy to the French courts.

 
During the online subscription, You consent and agree freely to the personal data process done by Us. If You provide third parties’ personal data during the process of online subscription, You will be implicitly declaring to have the third party’s authorization to supply the data in question and undertake to inform the third party in question about the data protection terms herein.
 
We inform You that Your data is collected by PSA Insurance Limited, identified as the Data Controller, and processed by the Agent, PSA Insurance Solutions Limited, the Data Processor. The data collected is processed for the following purposes: (i) the conclusion, management and execution of Your insurance contracts, (ii) the fight against money laundering (iii) combating insurance fraud, and (iv) analysing Your data and cross-referencing it with those of Our partners to improve our products and services. The recipient is PSA Insurance Manager.
 
Your data is kept for the duration necessary for this processing which will not exceed ten (10) years starting from the end of the cover or the last communication with the client depending on which event occurred last.
 
We inform You that, when taking out an Insurance Policy, the answer to certain questions is mandatory. In the event of false declarations or omissions, the consequences for You may be the nullity of Your contract or the reduction of the indemnities paid.
 
You have the right to access, rectify, delete Your data, a right of portability of Your data, as well as a right of limitation and opposition to processing. You may exercise Your rights by sending an email to psainsurance-privacy@mpsa.com or by mail to Data Protection Officer, PSA Insurance, MIB House, 53, Abate Rigord Street, Ta’ Xbiex, XBX1122, Malta.
 
We have policies, standards and procedures in place which support the GDPR principles in relation to the protection of customer data.
 
You also have the right to lodge a complaint with the competent national supervisory authority.
R. REMOTE PURCHASING AND ELECTRONIC RELATIONSHIP
 

The conclusion of the Insurance Policy on the website www.psa-insurance-solutions.fr represents the supply of a service consisting of a remote insurance transaction [4].

A service consisting of a remote insurance transaction is said to have been supplied whenever insurance transactions are supplied to an Insured, who is a natural person not acting in any commercial or professional capacity, as part of a system for remote selling or provision of services organised by the Insurer or insurance intermediary who, for this particular Insurance Policy, uses remote communication technology only, and this up until, and inclusive of, the conclusion of the Insurance Policy.
 
This Insurance Policy was purchased on PSA Insurance Solutions Ltd. website following Your review and acknowledgement of all the necessary pre-contractual information. By choosing to purchase the Insurance Policy online, You agree to use electronic means for the conclusion and maintenance of Your Insurance Policy [5].
 
To connect to Your My Account area, You must use the user name that You selected and Your password. It is up to You to ensure that this information remains confidential and to safeguard the security of Your account. To do so, You must keep this information confidential, log off after every session and change Your password regularly.
 
Furthermore, by agreeing to an electronic relationship, You have expressly agreed to the receiving correspondence from Us by email. The email address that You gave may be used for the dispatch of such letters. Thus, You undertake: (i) in case You change Your email address, to inform Us as soon as possible by changing Your personal contact details in Your My Account area; (ii) to regularly check the messages sent to this email address.
 
We shall moreover maintain the electronic documents for the entire statutory document maintenance period. You may therefore, during this period, ask Us to forward these documents in electronic format to You by contacting Our services www.psa-insurance-solutions.fr/queries.

 

Documentary evidence agreement
 
Pursuant to the regulations in force, We would like to inform the Insured that clicking on “VALIDATE” and on "Pay now" is the equivalent of an electronic signature. 

You hereby acknowledge:

  • That the receipt of Your Insurance Policy in an electronic email sent to the email address that You have provided, indicating the fact that Your Insurance Policy was signed electronically, and have been made available in Your My Account Area is the equivalent of the submission of the said documents.
  • That the fact that the documents are downloadable in PDF format and printable means that the character of the medium thus communicated meets the criteria of integrity and durability as required by law.
  • That the identification resulting from the declaration of Your identity, address and email address equates to identification [6].
  • That in case of any dispute, the data transmitted by You and the electronic certificates and signatures or exploitation of the log used in the context of the digital services are admissible to the courts and will provide evidence of the data and facts that they contain and of the signatures and authentication procedures expressed by them. 
  • That in case of any dispute, the time stamps or exploitation of the log are admissible to the courts and provide evidence of the data and facts that they contain. Evidence of the connections made by You and of other elements of identification or actions taken by You will be established as and when necessary with the aid of the connection logs kept by the Agent and of the computer records retained for such purposes.
You hereby expressly acknowledge the fact that by having clicked on the buttons "VALIDATE" and "Pay now":
  • You provide Your consent to the contents of Your Insurance Policy,
  • You confer the same legal value to Your Insurance Policy, as a document written and signed by hand [7].
S. INVALIDITY PERCENTAGES
 
The Permanent Partial Invalidity indemnity will be calculated by taking the invalidity percentage as set in the below table and multiply it by the sum insured. The percentages are as follows : 
 

CONSEQUENCES OF AN ACCIDENT

INCAPACITY RATE
 ELIGIBILITY
Loss of a phalanx
up to 1%
We will NOT cover You and/or Your Family:
 
For the Permanent Total Invalidity if the percentage of the invalidity is below 80%.
 
For Permanent Partial Invalidity if the percentage of the invalidity is below 10%.
Loss from paralysis or amputation of a finger
1 to 5%
Loss of smell or part of the voice abilities
Loss of an ear (impact on hearing) or a toe
5 to 10%
Knee replacement (artificial knee)
Loss of all the toes
10 to 15%
Loss of all the teeth
Complete loss of the voice
Loss of the left thumb for a right handed or right thumb for a left handed
15 to 20%
Paralysis of the face
Loss of the right thumb for a right handed or left thumb for a right handed
20 to 25%
Loss of vision from one eye
Leg replaced by artificial limb
25 to 30% 
Loss of a foot
Loss of the left hand for a right handed or loss of the right hand for a left handed
30 to 40%
Loss of the right hand for a right handed or of the left hand for a left handed
40 to 50%
Loss of the left arm for a right handed or right arm for a left handed
Loss of the right arm for a right handed or left arm for a left handed
50 to 60%
Loss of a leg
Complete loss of hearing or vision
Serious traumas
 60 to 100%
Paraplegia or tetraplegia
Head traumas
 
 
[1] In accordance with the Article L. 113-16 of the French Insurance Code.
[2] In accordance with Articles L. 114-1 to L. 114-3 of the French Insurance Code.
[3] In accordance with the provisions of Article L. 113-3 of the French Insurance Code.
[4] As defined in Article L. 112-2 of the French Insurance Code.
[5] In accordance with Article 1126 of the Civil Code and with Article L100 of the Postal and Electronic Communications Code. 
[6] Pursuant to Article 1366 of the Civil Code.
[7] In accordance with Articles 1366 and 1367 of the Civil Code. 
 
PSA Insurance Limited, Reg; C44567 is a limited liability company under Maltese law, having its registered address at: MIB House, 53 Abate Rigord Street, Ta’ Xbiex, XBX1122 Malta. The company is authorised to carry on business in terms of the Insurance Business Act, and authorised to carry on Insurance business under the freedom to provide services provisions, by the Malta Financial Services Authority (MFSA), Notabile Road, Attard BKR 3000, Malta.
 
FR2WCOMP01
© PSA Insurance Solutions
PSA Insurance Solutions Ltd Reg No: C83206 is a limited liability company under Maltese Law, having its registered address at: MIB building 53 Abate Rigord Street Ta’ Xbiex Malta, Tel + 356 22 58 34 92. The company is enrolled to act as an insurance agent in terms of the Insurance Intermediaries Act, 2006 by the Malta Financial Services Authority (MFSA), Notabile Road, Attard BKR 3000, Malta.
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