Insurance · Broker

Chapka: travel insurance broker, and Cap Tempo Expat for a temporary stay abroad

Chapka Assurances is the trading name of Aon France, a broker registered with ORIAS; it distributes Cap Tempo Expat, underwritten by Quatrem and Europ Assistance, for a temporary stay under a work permit. This contract, which has a capped duration and no automatic renewal, is not long-term health cover.

Official website of Chapka

Please note

This comparison is an informative summary. Check the actual cover, exclusions and acceptance conditions in the policy documents and with the provider concerned. Terms of use and disclaimers

Characteristics

Type: Broker
Type: Broker
Risk carrier: QUATREM (frais médicaux de Cap Tempo Expat) ; Europ Assistance SA, succursale irlandaise (assistance) ; Groupama Gan Vie pour l’ancien contrat Cap Expatrié
Use: First year and temporary stays · Travel and nomad
French scheme: Not provided
CFE top-up: Not provided
Medical questionnaire: Not provided
Covers: Health · Hospital · Maternity · Repatriation · Assistance
Settlement: Not provided
Regulator: ACPR
Currencies: EUR
Home country: France

Cap Tempo Expat is reserved for people domiciled in the European Economic Area, the French overseas departments and regions (DROM), New Caledonia or French Polynesia, holding a temporary work permit. Cover applies worldwide except North Korea, Syria, Crimea, Venezuela and Iran; in the country of domicile, reduced ceilings apply, based on the French social security rate.

Contracts and plans

Each plan is described from its contract documents. Compare plans in the same category: travel insurance does not replace expat health cover.

Cap Tempo Expat
First year and temporary stays · Tableau des garanties (français) et conditions générales (espagnol), non datés ; contrat frais médicaux Quatrem n° 0027921 10000 003, contrat assistance Europ Assistance n° IB1900383ESCA0
Risk carrier
QUATREM (frais médicaux) ; Europ Assistance SA, succursale irlandaise (assistance et assurance voyage)
Distributor / administrator
Aon France, sous le nom commercial Chapka Assurances ; contrat souscrit par l’association Chapka
United States
Included
Home country
Partly
Renewal
Not renewable
Link with the CFE
Either, depending on the plan
Direct billing
Being verified
- Hospital : Yes
- Outpatient care : Yes
- Maternity : Partly
- Dental : Partly
- Optical : Partly
- Mental health : Being verified
- Evacuation and repatriation : Yes
Who for : Members of the Chapka association domiciled in the European Economic Area, the French overseas departments and regions (DROM), New Caledonia or French Polynesia, holding a temporary work permit and leaving for a temporary stay declared at enrolment, up to a maximum age. Excluded countries: North Korea, Syria, Crimea, Venezuela, Iran.
Pre-existing conditions : The general conditions do not define a pre-existing condition; they exclude care provided or scheduled before the effective date and warn that certain conditions may limit the application of the contract. No medical questionnaire was verified.
Limits : Temporary contract limited to the duration of the declared stay, which is itself capped; no automatic renewal, and a new enrolment requires the insurer's express authorisation. Hospitalisation outside the country of domicile is presented as unlimited, from the first euro and with no deductible; in the country of domicile, ceilings are based on the French social security rate; maternity is capped for the duration of the enrolment; emergency dental care and optical care (after an accident) are limited; holidays outside the country of domicile are covered up to a limit of consecutive days.
- up to 65 years Cap Tempo Expat: maximum age of the insuredDefinition of the insured person under the medical expenses contract (Quatrem); general conditions in Spanish, undated.chapkadirect.es · Verified on Nov 2, 2026
- up to 12 months Cap Tempo Expat: maximum duration of the temporary stay coveredTemporary stay declared at enrolment, under a temporary work permit; no automatic renewal: a new enrolment is possible only with the insurer's express authorisation.chapkadirect.es · Verified on Nov 2, 2026
- up to 90 days Cap Tempo Expat: duration of holiday trips outside the country of residenceConsecutive stays declared to the insurer, according to the definitions in the assistance section; same limit for the medical expenses section according to the general conditions in Spanish.chapkadirect.es · Verified on Nov 2, 2026
- up to €1,000,000 Cap Tempo Expat: hospitalisation cost ceiling in the country of residenceIn the country of residence, reimbursement is calculated on the basis of the social security rate; outside the country of residence, hospitalisation costs are presented as unlimited. Undated table.chapkadirect.fr · Verified on Nov 2, 2026
- up to €15,000 Cap Tempo Expat: ceiling on medical expenses excluding hospitalisation in the country of residenceOutpatient care in the country of residence, based on the social security reimbursement rate; undated table.chapkadirect.fr · Verified on Nov 2, 2026
- up to €10,000 Cap Tempo Expat: maternity expense ceiling for the duration of membershipPartial reimbursement of actual costs, up to this limit, for the entire duration of membership; undated table.chapkadirect.fr · Verified on Nov 2, 2026
Contract documents · chapkadirect.es
Cap Expatrié
Long-term expat health · Conditions générales non datées, émises au nom de l’ancienne société de courtage Chapka ; commercialisation actuelle non vérifiée
Risk carrier
Groupama Gan Vie
Distributor / administrator
Chapka (société de courtage d’assurances, selon ce document) ; contrat souscrit par l’association AVEE
United States
Not verified
Home country
Being verified
Renewal
Within a limit
Link with the CFE
Either, depending on the plan
Direct billing
Being verified
- Hospital : Being verified
- Outpatient care : Being verified
- Maternity : Being verified
- Dental : Being verified
- Optical : Being verified
- Mental health : Being verified
- Evacuation and repatriation : Being verified
Who for : Members of the AVEE association who move abroad outside their country of nationality, domiciled in the country of expatriation, below an age limit; three policies: first-euro, CFE top-up, seconded employee.
Pre-existing conditions : According to this document, pre-existing conditions declared at enrolment and not excluded by the insurer are covered; to be confirmed against a dated edition.
Limits : Annual tacit renewal, with enrolment ending at an age limit; ceilings and waiting periods not recorded for lack of a dated edition.
Contract documents · chapkadirect.com

Published figures

Premium, fromNot provided
Cap Tempo Expat: maternity expense ceiling for the duration of membershipup to €10,000chapkadirect.fr · Verified on Nov 2, 2026
Cap Tempo Expat: ceiling on medical expenses excluding hospitalisation in the country of residenceup to €15,000chapkadirect.fr · Verified on Nov 2, 2026
Cap Tempo Expat: hospitalisation cost ceiling in the country of residenceup to €1,000,000chapkadirect.fr · Verified on Nov 2, 2026
DeductibleNot provided
Waiting periodNot provided
Cap Tempo Expat: maximum age of the insuredup to 65 yearschapkadirect.es · Verified on Nov 2, 2026

Who bears the risk

Chapka is not an insurer. The current Cap Tempo Expat documents present Chapka Assurances as the trading name of Aon France, an intermediary registered with ORIAS under number 07 001 560. The contract is taken out by the Chapka association (under the French law of 1901), of which the policyholder must be a member.

The risk is borne by two insurers: QUATREM, a French public limited company supervised by the ACPR (linked to the Malakoff Médéric Humanis group according to another contract distributed by Chapka), for medical expenses; and Europ Assistance SA, through its Irish branch, for assistance and travel cover.

An older contract, Cap Expatrié, underwritten by Groupama Gan Vie, is still online in undated general conditions, in the name of a Chapka brokerage company bearing a different ORIAS number. We do not know whether it is still being sold.

The ORIAS numbers come from the provider's own documents and have not been checked against the register. The French general conditions of Cap Tempo Expat could not be opened: the Spanish version was read.

Plans and cover

Cap Tempo Expat covers a temporary stay abroad under a temporary work permit, for a duration declared at enrolment that may not exceed figure being updated. The insured person must be no older than up to 65 years⁴. The medical expenses cover supplements the cover the insured person already has, or applies from the first euro if there is none; the documents do not mention the CFE.

Outside the country of domicile, hospitalisation costs are presented as unlimited, covered from the first euro and with no deductible. In the country of domicile, ceilings are calculated on the basis of the French social security rate: up to €1,000,000³ for hospitalisation and up to €15,000² for outpatient care. Maternity is partially covered, up to up to €10,000¹ for the whole duration of the enrolment. Also included are repatriation assistance, civil liability, baggage and an accident lump sum.

Deductibles, waiting periods and exclusions

The contract is not renewed automatically: it ends on the end date of the stay shown on the certificate. A new enrolment is only possible with the insurer's express authorisation. Holidays outside the country of domicile are covered up to figure being updated consecutive days, as declared.

Care provided or scheduled before the effective date is excluded, and the contract warns that certain conditions may limit its application. Dental care is limited to emergencies and optical care to accidents.

The precise treatment of pre-existing conditions, the existence of a medical questionnaire, the psychiatric sub-ceilings and the interaction with the CFE are not established by the documents read.

Who it is for, and who it is not for

Cap Tempo Expat suits a European resident who is going to work abroad temporarily and wants cover for the duration of that stay, taken out before departure. It is not long-term health insurance: it cannot be renewed for life and replaces neither long-term expatriate health insurance nor the CFE in the case of a lasting move.

Price and points to check

Price on online quote, depending on age, length of stay and destination.

The end date of the stay shown on the certificate, which sets the end of cover.
The solution planned at the end of the contract if the expatriation is extended.
The ceilings that apply during returns to the country of domicile.
The documents: Cap Tempo Expat table of cover; general conditions (Spanish version).

Sources and verification dates

1.
Cap Tempo Expat: maternity expense ceiling for the duration of membership : €10,000
« 75% des frais réels et dans la limite de 10 000 € »
Aon France (nom commercial Chapka Assurances), « Cap Tempo Expat – tableau des garanties (non daté) »Verified on Nov 2, 2026Verified source
2.
Cap Tempo Expat: ceiling on medical expenses excluding hospitalisation in the country of residence : €15,000
« Dans le pays de Domicile (sur la base du remboursement de la sécurité Sociale) 15 000 € »
Aon France (nom commercial Chapka Assurances), « Cap Tempo Expat – tableau des garanties (non daté) »Verified on Nov 2, 2026Verified source
3.
Cap Tempo Expat: hospitalisation cost ceiling in the country of residence : €1,000,000
« Dans le pays de Domicile (sur la base du remboursement de la sécurité sociale) 1 000 000 € »
Aon France (nom commercial Chapka Assurances), « Cap Tempo Expat – tableau des garanties (non daté) »Verified on Nov 2, 2026Verified source
4.
Cap Tempo Expat: maximum age of the insured : 65 years
« El asegurado es una persona física de 65 años como máximo »
QUATREM / Europ Assistance SA (distribution : Aon France, Chapka Assurances), « Cap Tempo Expat – condiciones generales (ES, non datées) »Verified on Nov 2, 2026Verified source