Compulsory and optional guarantees for the event
Insurance, mandatory and included in the registration fees
LYON 2025 – EUROGAMES is committed to ensuring the safety of all participants, volunteers, and organizers. In accordance with regulations, the association has taken out the necessary insurance for organizing EuroGames 2025, including the following elements in the participants’ registration fees:
🚀 Civil Liability for Event Organizers (mandatory)
This mandatory insurance covers bodily injury, property damage, and immaterial damage that the organization could cause to third parties (spectators, volunteers, participants, etc.) during the event.
The insurance has been subscribed to by LYON 2025 – EUROGAMES to ensure compliance with applicable regulations.
🌟 Personal Accident Insurance (included in the registration fees)
This insurance covers participants and volunteers in case of accident or illness during the event. The coverage includes:
Assistance for illness or injury:
- Transport/repatriation
- Return of an accompanying beneficiary
- Presence of a close relative in case of hospitalization
- Transport to the home if hospitalization lasts more than 3 days
Assistance in case of death:
- Transport of the body
- Coffin or urn costs (for body transport)
- Return of an accompanying beneficiary
Travel Assistance:
- Search and rescue costs
- Psychological support for accidents, assaults, death of a family member, terrorism, natural disasters, kidnapping, or hijacking
- Psychological consultations for dependents or the accompanying person in case of the insured’s death
Baggage and Personal Effects:
- Reconstitution of identity documents in case of loss or theft
Crisis Assistance:
The insurance also includes crisis management with psychological support in the event of serious accidents, assault, death of a close relative, or natural disasters.
Optional Coverages (available at participants' discretion)
To ensure optimal coverage during your participation in the EUROGAMES Lyon 2025, several options are offered by the event organizer’s insurer. While these coverages are optional, they are strongly recommended for complete protection during the event.
The available options are as follows:
Option 1 – Instant Medical Coverage : 5€ per person
This option covers medical expenses from the first euro spent, for any necessary medical intervention during the event.
| Accident Coverage | Maximum Coverage Amounts | Deductibles |
|---|---|---|
Reimbursement for additional medical expenses, including:
| Actual expenses up to 15,000 € per insured person, including:
| 50 € (absolute deductible) |
Reimbursement Terms:
The insurer reimburses the participant for the medical expenses remaining after coverage from Social Security, mutual insurance, or any other health insurance in the participant’s country of residence, provided the total reimbursement does not exceed actual costs.
The participant must submit :
- Original statements from Social Security and/or insurance showing the amounts reimbursed,
- Original hospital bills,
- Copies of invoices for care expenses.
If these documents are not provided, the insurer cannot process the reimbursement.
In cases where no reimbursement is received from other insurance, the participant must provide original invoices and an official statement of non-coverage.
Example 1 (for French participants covered by a mandatory and/or complementary health insurance):
If you are injured during a EuroGames competition and need treatment for a broken tooth, Social Security and your mutual insurance cover part of the costs, but you still owe €300. With this option, the insurer reimburses the remaining amount after you provide the necessary documentation. If you also need to purchase glasses after the accident, the insurer covers up to €200 for those expenses.
Example 2 (for foreign participants):
A foreign participant sustains an injury during a EuroGames competition requiring emergency medical care. Since they are not covered by French Social Security and their foreign health insurance does not cover treatment in France, this option reimburses up to €15,000 in medical expenses. For instance, if you suffer a fracture needing optical care (€200) and dental repair (€300), the insurer will reimburse you for these costs, provided you submit the necessary invoices and supporting documents.
ADDITIONAL SPECIFIC EXCLUSIONS:
In addition to the exclusions outlined in the General Provisions GA0023D, the following are not eligible for reimbursement:
- TREATMENTS FOR PSYCHOTHERAPY, PSYCHIATRY, PSYCHOANALYSIS, MENTAL, DEPRESSIVE, OR NERVOUS DISORDERS,
- PROSTHETIC AND APPARATUS COSTS NOT MENTIONED UNDER “REIMBURSEMENT OF MEDICAL EXPENSES,”
- MEDICAL AND SURGICAL EXPENSES FOR COSMETIC PURPOSES,
- MEDICAL EXPENSES FOR EXPERIMENTAL TREATMENTS NOT RECOGNIZED BY THE MEDICAL COMMUNITY,
- DAMAGES RESULTING FROM THEFT, DISAPPEARANCE, OR LOSS,
- SUNGLASSES OR NON-PRESCRIPTION EYEWEAR,
- RECURRENT TRANSPORT COSTS LINKED TO CHRONIC CONDITIONS,
- NON-FUNCTIONAL OR MOTOR REHABILITATION TREATMENTS,
- EXPENSES INCURRED MORE THAN TWO YEARS AFTER THE ACCIDENT,
- MAINTENANCE AND REPLACEMENT OF PROSTHETIC DEVICES.
Option No. 2 – Daily Support Allowance : 10€ per person
In case of an accident or temporary incapacity, this option provides a daily indemnity for the duration of your incapacity.
| Accident Coverage | Maximum Coverage Amounts | Deductibles |
|---|---|---|
| Loss of income (daily indemnity) | 16 €/day Maximum indemnification period: 365 days | 5-day absolute deductible |
The daily indemnity will be paid to the participant during the period of total temporary incapacity after a 5-day deductible period.
However, this payment cannot exceed 365 days per accident, or the date when the participant’s condition stabilizes in case of permanent total or partial disability.
If the covered accident results in hospitalization for more than 3 days, the daily indemnity will be paid from the first day of hospitalization, within the limit of 365 days. The coverage also applies to home hospitalization as defined by public health regulations and prescribed by a hospital doctor.
Outside of Western Europe, daily indemnity coverage for accidents applies only during hospitalization. Western Europe excludes Albania, Bulgaria, Hungary, Poland, Romania, the Czech and Slovak Republics, and former USSR territories.
The daily indemnity payments cease as soon as the participant resumes any form of professional activity, even partially.
Example 1: Salaried Participant in France
A salaried employee is injured during an event at the EuroGames and is unable to work for 30 days. After a 5-day deductible, the participant receives a daily indemnity of €16 for the remaining 25 days. This amount is in addition to any benefits from Social Security and supplemental insurance, providing extra income during the recovery period.
Total amount: 25 days x €16 = €400.
Example 2: Unemployed French Participant
An unemployed participant is injured during an event. Without Social Security or insurance, they receive €16/day after a 5-day waiting period. For a 15-day incapacity, they are compensated for 10 days.
Total amount: 10 days x €16 = €160.
Example 3: Self-employed Worker (TNS) in France, with or without Insurance
A self-employed worker with no disability insurance is injured and unable to work for a month. With this option, after 5 days, they receive €16/day for 25 days. If they already have insurance, this indemnity is added to the disability insurance payments to cover their loss of income.
Total amount: 25 days x €16 = €400.
Example 4: Foreign Participant (outside Western Europe)
A participant from a non-Western European country (e.g., Hungary) is injured and hospitalized for 10 days. As they are outside Western Europe, the indemnity is only paid for the duration of hospitalization, starting from the first day.
Total amount: 10 days x €16 = €160.
ADDITIONAL SPECIFIC EXCLUSIONS:
THE FOLLOWING ARE EXCLUDED:
- STAYS IN SPECIALIZED FACILITIES: CONVALESCENT HOMES, REST HOMES, DIETARY CENTERS, NURSING HOMES, SANATORIUMS, PREVENTORIA, PROFESSIONAL REHABILITATION CENTERS, ETC.
- THERMAL AND THALASSOTHERAPY TREATMENTS, REJUVENATION CURES, DETOXIFICATION, SLEEP THERAPIES.
- AESTHETIC TREATMENTS, EXCEPT FOR RECONSTRUCTIVE SURGERY DIRECTLY FOLLOWING A COVERED ACCIDENT.
- PSYCHIATRIC STAYS IN HOSPITALS, CLINICS, OR PSYCHIATRIC DEPARTMENTS.
Option 3 – Global Civil Liability Protection : 3€ per person (Reserved for participants not domiciled in Mainland France or those without personal liability coverage)
If you are responsible for material or bodily harm to third parties during the event, this coverage takes care of the costs related to your civil liability outside of France.
This option provides protection for participants in case of accidental damage or injury they may cause to others during the event outside of French territory, ensuring they meet the legal and financial obligations resulting from such incidents.
| Accident Coverage | Maximum Coverage Amounts | Deductibles |
|---|---|---|
Bodily, material, and immaterial damages, including:
| €1,500,000 per claim, including:
Costs covered by the insurer, unless exceeding policy limits | €150 per claim (absolute deductible) None |
This coverage applies in mainland France, starting from the participant’s arrival on French soil, up to 48 hours before the event, and ends 48 hours after leaving France following the event. During this period, coverage is provided 24 hours a day.
ADDITIONAL SPECIFIC EXCLUSIONS:
- CONSEQUENCES OF THE INSURED’S INTENTIONAL FAULT.
- DAMAGES CAUSED BY CIVIL OR FOREIGN WAR, DECLARED OR UNDECLARED, RIOTS, ACTS OF TERRORISM, ATTACKS, OR SABOTAGE.
- DAMAGES CAUSED BY VOLCANIC ERUPTIONS, EARTHQUAKES, STORMS, HURRICANES, CYCLONES, FLOODS, TIDAL WAVES, AND OTHER CATASTROPHES.
- DAMAGES MADE INEVITABLE BY THE INSURED’S VOLUNTARY ACTIONS, WHICH CAUSE THE INSURANCE CONTRACT TO LOSE ITS NATURE AS AN ALEATORY CONTRACT (ARTICLE 1964 OF THE CIVIL CODE).
- FINES AND ANY OTHER PENALTY PERSONALLY IMPOSED ON THE INSURED.
- DAMAGES OR AGGRAVATED DAMAGES CAUSED BY:
> WEAPONS OR DEVICES INTENDED TO EXPLODE BY ALTERING THE STRUCTURE OF THE ATOM’S NUCLEUS,
> ANY NUCLEAR FUEL, RADIOACTIVE PRODUCT, OR WASTE,
> ANY SOURCE OF IONIZING RADIATION (PARTICULARLY ANY RADIOISOTOPE). - CONSEQUENCES OF THE PRESENCE OF ASBESTOS OR LEAD IN BUILDINGS OWNED OR OCCUPIED BY THE INSURED, OR OF WORK CARRIED OUT TO RESEARCH, DESTROY, OR NEUTRALIZE ASBESTOS OR LEAD, OR FROM THE USE OF PRODUCTS CONTAINING ASBESTOS OR LEAD.
- CONSEQUENCES OF CONTRACTUAL AGREEMENTS ACCEPTED BY THE INSURED THAT INCREASE THE LIABILITY THEY WOULD HAVE OTHERWISE INCURRED.
- IN THE UNITED STATES OF AMERICA AND CANADA:
- PUNITIVE OR EXEMPLARY DAMAGES,
- POLLUTION DAMAGES,
- CONSEQUENTIAL MATERIAL OR IMMATERIAL DAMAGES CAUSED TO GOODS UNDER THE INSURED’S RESPONSIBILITY FOR CUSTODY, USE, OR STORAGE.
- CONSEQUENCES OF AERIAL, MARITIME, RIVER, OR LAKE NAVIGATION USING DEVICES OWNED OR UNDER THE INSURED’S CUSTODY OR USE.
- DAMAGES CAUSED BY WEAPONS AND THEIR AMMUNITION HELD WITHOUT PROPER AUTHORIZATION.
- DAMAGES SUBJECT TO MANDATORY INSURANCE AND ARISING FROM THE PRACTICE OF HUNTING.
- DAMAGES CAUSED BY FIRST CATEGORY DOGS (ATTACK DOGS) AND SECOND CATEGORY DOGS (GUARD AND DEFENSE DOGS) AS DEFINED IN ARTICLE 211-1 OF THE RURAL CODE, AND BY WILD ANIMALS TAMED OR HELD IN CAPTIVITY, AS MENTIONED IN ARTICLE 212-1 OF THE RURAL CODE, WHETHER STRAYING OR NOT, FOR WHICH THE INSURED IS THE OWNER OR GUARDIAN (LAW NO. 99-5 OF JANUARY 6, 1999, REGARDING DANGEROUS AND STRAY ANIMALS AND ANIMAL PROTECTION).
- DAMAGES CAUSED BY NON-DOMESTIC ANIMALS.
- CONSEQUENCES:
> OF ACTIVITIES FALLING UNDER THE CIVIL LIABILITY OF A SPORTS EVENT ORGANIZER,
> OF SPORTS PRACTICED UNDER A SPORTS FEDERATION LICENSE,
> OF AERIAL OR NAUTICAL SPORTS PRACTICES.
It is specified that for any claims occurring in the USA or CANADA, the fees for expertise, legal proceedings, and attorney fees are included in the guarantee amounts and are subject to the deductible.
Option n°4 – Express Refund of Registration Fees : 15€ per person
This option allows you to be reimbursed for registration fees in case of cancellation or inability to participate in the EUROGAMES due to valid reasons (illness, accident, etc.).
For the registration fee reimbursement guarantee, coverage applies from the moment of registration and payment of the option and ends no later than the first day of the insured’s participation in the event they are registered for.
| Accident Coverage | Maximum Coverage Amounts | Deductibles |
|---|---|---|
| See details below | € 100 | Non |
Registration fees for events organized by EUROGAMES – LYON 2025 are reimbursed upon justification, in the case where the participant is unable to complete their trip or participate due to one of the following events:
- Death, accident, or illness of the participant;
- Death, accident, or serious illness (accident or illness requiring hospitalization) of their spouse or common-law partner, or the person bound to them by PACS, an ascendant or descendant in the first degree, a brother or sister, occurring within thirty days preceding the event;
- Pregnancy and childbirth, provided that the Insured was not pregnant at the time of subscription;
- Visa refusal by the authorities of the country of the event, provided that no previous request had been refused by these authorities;
- Theft of the Insured’s ID card or passport within seven days preceding the event, provided that these documents are essential for the trip;
- Summons to a court as a juror or witness at an assize court, expert, or for the adoption of a child;
- Summons to court;
- Convocation to a resit exam (university only), provided that the failure was not known at the time of registration for the event;
- Serious damage (theft, fire, water damage, natural elements) to the Insured’s primary, secondary residence, or professional premises, destroyed by more than 50% and imperatively requiring the Insured’s presence on the day of their departure or the event;
- A characterized accident during rail or maritime transport allowing the Insured to travel to the event (excluding strikes and social movements).
EXCLUSIONS APPLICABLE TO THE GUARANTEE
IN ADDITION TO THE EXCLUSIONS PROVIDED IN THE GENERAL TERMS AND CONDITIONS, THE FOLLOWING ARE NOT COVERED UNDER TICKET CANCELLATIONS RESULTING FROM:
- AN ACCIDENT AND/OR ILLNESS WHOSE FIRST DIAGNOSIS WAS MADE BEFORE BOOKING THE TICKET.
- THE SUICIDE, ATTEMPTED SUICIDE OF THE INSURED.
- INTOXICATION OR THE USE OF NARCOTICS OR MEDICATION NOT PRESCRIBED BY A COMPETENT MEDICAL AUTHORITY.
- PSYCHOLOGICAL OR PSYCHIATRIC DISORDERS.
- THE INTENTIONAL FAULT OF INDIVIDUALS QUALIFYING AS INSURED.
- VISA REFUSAL WHEN THE NECESSARY DEADLINES HAVE NOT BEEN MET.
- THE DEATH OR SERIOUS ILLNESS OF ANY PERSON OVER THE AGE OF 70.
It is specified that the following causes of trip cancellation or modification do not entitle the Insured to coverage:
- Strikes or blockades.
- Breakdown of the planned means of transport.
- Delay or cancellation of another planned means of transport for getting to the airport.
- Failure to present, for whatever reason, a required document for taking the planned means of transport.
- Any decision taken by the carrier or travel organizer.
These options are offered to ensure you are adequately covered throughout your participation in the EUROGAMES Lyon 2025. Membership is optional but strongly recommended.
As you may know, most standard personal insurance policies (such as those provided by credit cards, home insurance, bank loans, etc.) generally exclude any participation, whether amateur or professional, in a sports competition. Therefore, the risks associated with your participation in the EUROGAMES Lyon 2025 may not be covered by your current insurance.
This is why it is important to review the guarantees (and exclusions) of your daily insurance policies. If there are gaps, or as a complement to your insurance, we encourage you to subscribe to the options offered above for comprehensive protection.
The basic and optional guarantees are effective in mainland France only during the following activities within the EUROGAMES 2025 organized by the Subscriber:
- The sports activities in which participants are registered
- Participation in festive events, excluding the consequences of the use of motor vehicles, and only when these activities are organized during the event and by the organizing team;
The guarantees are applicable as long as the insured is present at the location of the events organized by the EUROGAMES – LYON 2025 organizing team from 23.07.2025 to 26.07.2025.
Contact
For any questions related to insurance contracts, their guarantees, and options, please contact in writing to ASSURHELIUM, at the address: sinistre@assurhelium.com, mentioning in the subject line “EUGOGAMES – LYON 2025 – QUESTIONS.”
For assistance and crisis management guarantees, when subscribed, Europ Assistance France is available 24/7 at:
- Phone: +33 1 41 85 91 47
- Portal: https://sinistre.europ-assistance.fr
- Email: sinistre@europ-assistance.fr with your details and the contract number: 58 225 191 for Visitors.
In case of bodily injury involving the guarantees of this contract, please contact in writing to ASSURHELIUM, at sinistre@assurhelium.com, mentioning
- The policyholder: EUGOGAMES – LYON 2025
- The participant’s full name
- The date of the incident
