You receive your contract immediately after electronic signature
You travel as many times as you wish during the term of your contract
you remain in control of your budget and safe on all your trips throughout the year
Direct presence in 45 countries and 57 offices on 5 continents
HOW DOES IT WORK ?
It's very simple
- 1You subscribe to a SMARTANDGO multi-trip insurance for one or more beneficiaries living abroad or in Africa and wishing to travel to Cameroon during the year, and I pay my contribution in one go.
In case of illness or hospitalization during my stay in Cameroon, I am covered!
Depending on the medical assessment of the seriousness of his/her condition, the insured will be medically evacuated to his/her usual country of residence! In the event of the death of the insured, coverage of the cost of transporting the body to the place of burial, cremation or funeral in the Insured's usual country of residence.
In addition to all this I receive personal assistance benefits, compensation for lost luggage, compensation for lost documents or flight delays and third party liability benefits. All the details are indicated in the information document downloadable above.
No need to wait! The subscription is done in a few minutes only, you just need the passport number of the beneficiaries.
Transparent guarantees for your care
|Diaspora Sante - SmartAndGo|
|Coverage area : Cameroon|
|Summary of Benefits||LIMITS IN EUROS|
|MEDICAL AND EMERGENCY ASSISTANCE|
|Medical expenses and hospitalization abroad||10.000 EUR Deductible 50 EUR|
|Transportation or repatriation in case of illness or injury||10.000 EUR|
|Emergency dental care||200 EUR Deductible 50 EUR|
|Transportation or repatriation of a deceased beneficiary||2500 EUR|
|Repatriation of a family member traveling with the insured||1.000 EUR|
|Emergency return home following the death of a close relative||1.500 EUR|
|Travel of an immediate family member||50 EUR/day - max 850 EUR|
|PERSONAL ASSISTANCE SERVICES|
|Medication delivery||Actual costs|
|Urgent message transmission||Actual costs|
|Cash advance||1.500 EUR|
|Compensation for lost checked baggage||500 EUR|
|Compensation for delayed delivery of checked baggage||200 EUR|
|Location and routing of personal effects||Covered|
|CIVIL LIABILITY BENEFITS|
|Deposit advance||5.000 EUR|
|Legal Defence||3.000 EUR|
|LOSSES AND DELAYS|
|Compensation for delayed flight departure||250 EUR|
|Loss abroad of passport, driving license, identity card||200 EUR|
To prepare and finance your stay in Cameroon, we have opted for a simple pricing and a fair price, accessible to all
45€ per person
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Frequently asked Questions
Discover here the answers to your most frequently asked questions
How to subscribe ?
Nothing could be easier. For all our insurances, everything can be done on our website or by phone: quote, contract, payment, electronic signature of the contract. Everything is quick and easy and can be done in a few minutes. No need to travel (we already have subscriptions from 15 countries: France, Germany, Canada, USA, etc.), so there are no mailing costs and no waiting for mail. You receive all your documents automatically by email..
How does it work ?
In all our packages, the beneficiary receives a third-party health card with no advance payment of 80% of the costs. They therefore only pay 20% of all health care services: consultation, hospitalisation, pharmacy, analysis, dental, optical, ambulatory transport, etc. He/she can choose to be treated anywhere in the country thanks to our health care network (public hospitals, private clinics, pharmacies, etc., depending on the plan chosen).
For example, if a person goes for a consultation with a general practitioner that costs about 10,000 CFA francs in a clinic, he only pays 2,000 CFA francs. The remaining 8,000 CFA francs are billed directly to us by the clinic via our local partner.
Superior plans (Confort, Bien-Être et Sérénité) also allow for medical evacuation to France if the person cannot be treated locally (in this case 100% coverage).
To get a free, no obligation quote in less than 5 minutes :
Where can you get treatment ?
What is the rate ?
Our algorithm calculates the exact price of your health insurance and that of your beneficiaries in order to offer you the fairest price possible. The elements taken into account are notably the country or the age of the beneficiaries. We invite you to We therefore invite you to get a free, no-obligation quote to find out the exact budget. As an indication, the entry fee for a person under 21 years of age in the Liberté formula is €9.67 (excl. VAT) per month, in the Quiétude formula €12.64 (excl. VAT). Quiétude formula 12.64€ HT/month, in Essentiel formula 31.80€ HT/month. Not all packages are available in every country.
To get a free, no obligation quote in less than 5 minutes
How does my beneficiary get his/her health card ?
After signing your Diaspora Health insurance contract, your beneficiary automatically receives an SMS inviting him/her to meet our medical advisor. This visit is free of charge and allows to fill in the medical questionnaire sent and thus validate the contract. The medical advisor then gives the information to go and collect the third party payment card (only 15 minutes after the visit for Cameroon!). For the Ivory Coast, an identity photo will be necessary to launch the creation of the card.
The beneficiary can now use the card for treatment !
Can we retract ?
We are a French company and it is therefore French law that applies when you subscribe online. You have 14 days to change your mind from the moment you sign the contract to retract. Only cancellation fees may be applied depending on the insurance product subscribed.
Who are we ?
Diaspora Santé, specialist in health insurance in Africa, is part of the AFG group created by Mama Mfomegnam, himself part of the Cameroonian diaspora. French insurance brokerage company created in 2015, we are registered with the ORIAS and are therefore controlled by the ACPR Banque de France.
The platform www.diasporasante.com was created so that you can take out insurance for yourself or your loved ones in Africa, wherever you are in the world. Health is a fundamental human right, every person must have the possibility to subscribe to a health insurance. Our solutions have been designed so that the maximum number of people in Africa can have quick access to a quality health care network to be well cared for every day.