Académique Documents
Professionnel Documents
Culture Documents
Mes coordonnées :
Nom et prénom(s) du répondant financier : _______________________________________________________________________
Téléphone : ____________________________________________________________________________________________
E-mail : ________________________________________________________________________________________________
Ma cotisation d’assurance annuelle « Frais de scolarité » : 1,69 % Toutes Taxes Comprises de vos frais annuels de
scolarité*
* Ne sont pas compris les frais annexes, tels que frais de restauration, hebergement, voyage, séminaire d’intégration, fournitures
scolaires,etc.
Coût annuel de la scolarité : ____________ € x 1,69 % TTC = ___________ € TTC Montant de votre cotisation
Le montant indiqué servira de base d’indemnisation en cas de mise en jeu de la garantie. L’indemnisation ne
pourra pas être supérieure au montant indiqué.
Souhaite souscrire à l’assurance scolarité et effectue un paiement par chèque à l’ordre de WTW France : OUI
(La garantie est acquise à réception du dossier complet et après encaissement effectif de votre règlement)
Le dossier devra être retourné avant le 31 octobre 2023 (cachet de la poste faisant foi). La date de réception du bulletin déterminera la
date de début de garantie.
Reconnais avoir eu et pris connaissance des termes de la notice du contrat Frais de scolarité GSL n°ADP20234314 OUI
Merci de joindre à ce bulletin votre règlement par chèque établi à l’ordre de WTW France à l’adresse suivante :
WTW France - Pôle Enseignement - 33, Quai de Dion Bouton - 92814 PUTEAUX Cedex.
Contact commercial : Fabienne FERRERI / gs.enseignement@grassavoye.com / 01.41.43.60.22
Fait à : ……………
Chaque année des étudiants subissent des évènements familiaux pouvant remettre en cause leur scolarité, maladie, décès, licenciement de leur
répondant financier… La protection contre ces événements ne pouvant être organisée de manière efficace que dans le cadre d’un contrat mutualisé,
le groupe KEDGE a prévu une assurance « Frais de scolarité » pour ses étudiants.
Décès : décès, y compris la disparition. La disparition intervient après : - Incapacité temporaire totale de l’étudiant pendant au moins 30
jours consécutifs survenu pendant l’année scolaire, les périodes de
❖ Expiration d’un délai de 6 mois suivant la déclaration de disparition de l’assuré vcances scolaires étant décomptées.
auprès d’une autorité compétente,
❖ Notre examen de toutes les preuves et justifications, ❖ A compter du lendemain de la survenance de l’un des événements
suivants avec un maximum de deux années scolaires de cursus
❖ L’absence de raisons pour ne pas présumer qu’un accident s’est produit. (redoublement exclus), suivant immédiatement celle au cours de
laquelle l’évènement est survenu, entrainant une perte de revenus
Déchéance : perte du droit à garantie pour le sinistre en cause. supérieur à 20 % (déterminée par rapport à la moyenne mensuelle
des 12 mois précédant l’évènement pour les salariés ou de l’année
Frais de scolarité : montant des frais annuels facturés par l’établissement scolaire,
fiscale antérieure pour les non-salariés) :
mentionnés sur le bulletin d’inscription et ayant servi de base de calcul de la cotisation.
- Incapacité temporaire totale du répondant financier, pendant
Incapacité temporaire totale : état de la personne qui se trouve médicalement dans au moins 90 jours consécutifs.
l’impossibilité complète d’exercer sa profession, pour le répondant financier, ou de - Chômage du répondant financier après un licenciement toutes
poursuivre ses études, pour l’étudiant. causes, sauf faute grave ou faute lourde, dont la connaissance
a été postérieure à l’inscription de l’étudiant. La garantie est
Maladie : altération de santé, constatée par une autorité médicale compétente et par
maintenue lorsque le répondant financier licencié
la sécurité sociale si la personne est salariée, et impliquant la cessation de toute
économique retrouve une activité dont la rémunération reste
activité scolaire ou professionnelle.
inférieure d’au moins 33% à son salaire net imposable avant
Nous : Groupe Spécial Lines le licenciement ; ce maintien de garantie n’est accordé que
pour les personnes dont le salaire net imposable annuel était
Période de garantie : sous réserve de règlement de la cotisation d’assurance, période inférieur à 45 750 euros. La garantie en cas de licenciement
comprise entre la date d’inscription de l’étudiant à l’établissement scolaire et la fin de suite à rupture conventionnelle n’est pas acquise, sauf si le
l’année scolaire en cours, pour les événements garantis survenant durant cette revenu du ménage avant la situation de chômage n’excède
période. A la prise d’effet du contrat, aucune garantie ne pourra intervenir avant le 1 er pas 40 000 € / an.
juillet 2023. - Chômage après liquidation judiciaire de sa société âgée d’au
moins 5 ans et sans mise en redressement ou liquidation
Prescription : délai à l’expiration duquel une action ne peut plus être entreprise.
judiciaire au cours des 5 dernières années pour le répondant
Répondant financier : personne, âgée de moins de 70 ans, qui s’engage à régler les financier ayant le statut de non-salarié,
frais de scolarité de l’étudiant et son conjoint non séparé de corps, ou son concubin
participant aux charges du foyer pour autant qu’il établisse de manière officielle sa ❖ A compter du lendemain de la survenance de l’événement suivant,
communauté de résidence depuis au moins un an. avec un maximum de deux années scolaires de cursus suivant
immédiatement celle au cours de laquelle l’évènement est survenu:
Revenus : les revenus nets imposables perçus par la victime de l’événement du fait
- Décès du répondant financier.
d’une activité professionnelle, salariée ou non, après déduction des charges sociales
(hors indemnités transactionnelles et hors indemnités de licenciement, lorsqu’elles ne
sont pas imposables); En cas de maladie ou d’accident, les prestations reçues au ❖ Correspondant à l’année de redoublement dans le même
titre des régimes sociaux obligatoires ou facultatifs, les salaires, primes et indemnités établissement lorsque l’éudiant pour les raisons suivantes est dans
versés en application des dispositions prévues par la convention collective ; En cas l’impossibililté d’être présent aux examens de fin d’année et s’il n’a
de licenciement, de mise en liquidation judiciaire ou de redressement judiciaire, les pas la possibilité de passer ce même examen lors d’une session
allocations chômage ou préretraite, hors indemnités transactionnelles et hors
ultérieure de l’année scolaire concernée :
indemnités de licenciement, lorsqu’elles ne sont pas imposables.
- Accident ou maladie entrainant l’impossibilié de suivre les cours
Sinistre : toutes les conséquences dommageables d’un même événement pendant plus de 90 jours consécutifs,
susceptible d’entraîner notre garantie. - Hospitalisation de l’étudiant dans les 15 jours précédant les
examens de fin d’année,
Souscripteur : l’établissement scolaire, désigné sous ce nom aux Conditions
particulières, qui demande l’établissement du contrat Groupe et le signe. Toute - Grève des transports aériens ou détournement d’avion pour
personne qui lui serait substituée légalement ou par accord des parties, sera l’étudiant en stage à l’étranger.
considérée comme souscripteur. Le souscripteur agit tant pour son compte que pour
celui des assurés. Pour que la garantie soit acquise, les évènements ci-dessus doivent survenir
durant la période de garantie.
Subrogation : transmission à notre bénéfice de votre droit de recours contre un tiers
responsable.
Titre 3 : Montant des Indemnités
Vous : l’(les) assuré(s).
Le montant garanti est le montant annuel des frais de scolarité engagé par la famille.
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Conditions Générales Contrat d’assurance Frais de scolarité Réf. GSL – CGFraisScol – 2023/2024
Le refus par l’assuré ou, s’il s’agit d’un mineur, par ses représentants légaux, de se
conformer à ces obligations, maintenu malgré l’envoi d’une lettre recommandée de Titre 11 : Autorité de Contrôle
mise en demeure, entraîne la déchéance de tout droit aux indemnités pour le sinistre Conformément au Code des Assurances (Article L. 112-4) il est précisé que l’autorité
en cause. de contrôle de Groupe Special Lines et de la compagnie Groupama Rhône-Alpes
Auvergne est l’ACPR, 4 Place de Budapest 75436 Paris Cedex
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SCHOOL YEAR 2023 / 2024
MEMBERSHIP FORM – Tuition fees insurance
My school: KEDGE BS
My contact details:
Name and surname of the financial guarantor:
Phone number:
E-mail:
My annual “Tuition fees” insurance contribution: 1,69 % including all taxes of your annual tuition fees*
* Not included are ancillary costs, such as catering, accommodation, travel, integration seminar, school supplies, etc.
Wish to subscribe to the school insurance and pay by cheque to the order of WTW France: YES
(The guarantee is acquired on receipt of the complete file and after effective collection of your payment)
The application must be returned before 31 October 2023 (date of postmark). The date of receipt of the application form will determine
the start date of the guarantee)
Acknowledge that I have read and understood the terms of the contract Tuition Fees GSL n°ADP20234314 YES
Please enclose your payment by cheque made out to WTW France to the following address:
WTW France - Pôle Enseignement - 33, Quai de Dion Bouton - 92814 PUTEAUX Cedex.
Commercial contact : Fabienne FERRERI / gs.enseignement@grassavoye.com / 01.41.43.60.22
Every year, students undergo family events that may endanger their studies: illness, death, layoff of their person responsible for paying. As
protection from such events can only be organised efficiently as part of a group policy, KEDGE is providing tuition fees insurance for its students.
Translation from an original document in French. In case of any discrepancies 2 : COVERED RISKS
or misinterpretations resulting from the translation process, the original
document in French shall always prevail. You will be compensated, upon receipt of supporting documents, for any
tuition fees committed to, remaining due or to come,
1 : COVER
❖For the period beginning on the day after one of the following events and
ending at the end of the current school year:
Accident :. bodily harm unintended by the victim, caused by the sudden occurrence
of an outside cause. • death of the student;
• job transfer of the person responsible for paying, at whose domicile the
Insured Parties : the students and/or their person responsible for paying, properly student usually lives, imposed by the employer and leading to the
registered with the policyholder educational institution, subject to the premium student being unable to continue his/her studies at the educational
being actually paid. institution.
Unemployment : the state of a person who, after being laid off, no longer has any ❖Starting on the day after the following event occurs, and for as long as this
salaried or non-salaried work in any production, commercial or service activity event lasts, and until the end of the current school year at the latest:
whatsoever • Temporary total disability of the student for at least 30 consecutive days,
occurring during the school year, the periods of school holidays being
Code : The French Insurance Code
uncounted.
Premium : the amount to be paid by the insured party in exchange for our coverage.
❖ Starting on the day after the following event occurs, with a maximum of
Death : death, including missing persons presumed dead. The presumption of death the two school years of course programme at the same institution
occurs after: (excluding grade retention), immediately following that during which
the event occurs, leading to a loss of income of over 20%:
❖ the end of a 6-month period after the insured has been declared missing to an
• temporary total disability of the person responsible for paying for at least 90
authority;
consecutive days,
❖ verifications of all proof and substantiating evidence, • unemployment of the person responsible for paying after being terminated
for any reason, other than gross negligence or gross misconduct, which
❖ the absence of any reason to believe that no accident has occurred. became known after the student's enrolment. The cover will remain in force
when the person responsible for paying, who was made redundant, finds an
Tuition fees: the amount of annual fees invoiced by the educational institution, activity for which the remuneration is at least 30% of his/her net taxable
shown on the enrolment document and having been used as the basis for calculating salary before being dismissed; keeping the policy in force is only granted to
the premium persons in charge paying whose net annual taxable salary was below 45,750
euros; The mutually agreed termination of contract guarantee is not acquired,
Temporary total disability: the state of a persons who is totally medically unable to unless the household income before becoming unemployed does not
perform his/her work, for the persons responsible for paying, or to continue their exceed €40,000/year.
studies, for the students. • unemployment after the company of the person responsible for paying, who
is a director, undergoes court-ordered liquidation;
Illness: a change in health, noted by a competent medical authority, and by social
security if the person is a salaried employee, which requires a cessation of all school
or professional work. Us, ❖ Starting on the day after the following event occurs, with a maximum of
the two school years of course programme at the institution, immediately
We: Groupe Special Lines. following that during which the event occurs:
• Death of the person responsible for paying;
Period of cover: subject to the premiums being paid, the period running from the
date the student was enrolled at the educational institution to the end of the current
school year, for covered events occurring during this period. In case of the repetition in the same school when the student for the following
reasons is unable to attend the end-of-year exams and if he does not have the
possibility of taking this same examination at a later session of the school year
Limitation period: a period of time at the end of which no action can be taken. concerned:
- Accident or illness resulting in the inability to attend classes for more than 90
Person responsible for paying: the persons who undertakes to pay the student's
consecutive days,
tuition fees, and their spouses if they are not separated, or their cohabitee who is
liable for part of the household's costs, provided they can officially show that they - Hospitalization of the student in the 15 days preceeding the end-of-year
have lived together for at least one year. exams,
- Air transport strike or plane hijacking for the student on internship abroad.
Income: the net taxable income received by the victim of the event for a professional
activity, whether salaried or not, after social contributions have been deducted For the cover to be in force, the above-mentioned events must occur during the
(excluding settlement agreements and non-taxable severance pay); In cases of illness period of cover.
or accident, the payments received from the mandatory or optional social schemes,
salaries, bonuses and compensation paid in application of the provisions of the
collective bargaining agreement; In cases of termination, going into receivership or
court-ordered liquidation, the unemployment or preretirement benefits, excluding
settlement agreements and non-taxable severance pay.
Claim: all the harmful consequences of a single event that may bring our cover into 3 : COMPENSATION
play. The amount covered is the annual amount of tuition fees spent by the family.
Policyholder: the educational institution named as such in the Special Terms and
Conditions, which requested the Group policy to be drawn up and which signs same.
Any person substituted for it by law or by an agreement between the parties, shall
be considered to be the policyholder. The policyholder acts both on its own behalf
and on behalf of the insured parties.
Subrogation: the transfer of your right of recourse against a liable third party to us.
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Conditions Générales Contrat d’assurance Frais de scolarité Réf. GSL – CGFraisScol – 2023/2024
enforced if the first medical findings did not indicate that there could be a stoppage
4 : EXCLUSIONS of work for this number of days.
The results : • Documents to be sent to us: we reserve the right to request all supporting
documents to assert the reality of the claim and the amount of compensation.
practicing any sport as a professional;
• Conditions of our verification: the doctors appointed by us must, unless there
pregnancy or complications thereof, stillbirth, non-health-related is a justified objection, have free access to you in order to verify your state.
termination of pregnancy, giving birth and its medical consequences; Our representatives must also be able to perform all the necessary verifications.
however, pregnancy not known of at the time the female student was Refusal by the insured party, or by his/her legal representatives if a minor, to comply
enrolled, leading to a permanent end to schooling for medical reasons, is with these obligations, maintained despite formal notice being sent by registered mail,
leads to the forfeiture of all rights to compensation for the claim in question.
covered;
psychological, mental or neurological illnesses, disorders that are purely
psychiatric in nature of breakdowns, unless they lead to being
6 : COMPENSATION
hospitalised for at least 7 consecutive days, and any cosmetic treatment; The amount of your loss is set amicably between you and us.
the student's alcoholism or drunkenness, as medically evidenced by a Payment of the compensation: Gras Savoye will pay the compensation within 30 days
blood-alcohol level that may lead to penal sanctions, as well as the use of of either the amicable settlement, or of the enforceable legal decision. This period,
drugs, narcotics or toxic substances not medically prescribed, unless you where there are objections, starts from the day of the full release. Failing this, except
can prove the absence of any causal relation. in exceptional circumstances or cases of force majeure, the compensation will bear
interest at the legal rate.
any sequels, relapse or aggravation of an accident or illness than led to
an interruption of activity during the 12 months prior to the final Assessment of losses: you may not profit from this insurance. It only covers
enrolment at the educational institution, unless the consequence thereof reparations for your actual losses. You are responsible for substantiating the reality,
is the death of the student or of the person responsible for paying; the nature and the size of the loss by all means and documents.
If the losses cannot not set by private agreement, a joint amicable appraisal is always
self-harm, as well as any injury intentionally caused or provoked by you;
mandatory, subject to the respective rights of the parties. Each party chooses an
Attacks, acts of terrorism or sabotage, riots or popular uprisings, brawls adjuster. If the appointed adjusters cannot agree, they will appoint a third adjuster.
and bets in which the insured party takes an active part;
civil or foreign war; The three adjusters will work jointly according to the majority opinion. Should one
the disintegration of atomic nuclei or ionising radiation causing party fail to appoint its expert, or the two experts fail to agree on the choice of the
third, the President of the Local/District Court for the place of domiciliation of the
accidental or pathological consequences; however, the cover remains in
educational institution shall make the appointment. This appointment occurs
force when the lesions are caused by radiation- or irradiation-based
whenever the first party to act requests it, at the earliest 15 days after sending formal
therapies as a result of the incorrect use or operation of a device handled notice to the other party by registered letter with acknowledgement of receipt. Each
by a licensed medical professional other than yourself, or are the party pays the costs and fees of its own expert and, where applicable, half the fees of
consequence of a treatment you are undergoing as a result of a covered the third expert and of the appointment costs.
claim;
termination during or at the end of a probationary period, as well as the 7 : SUBROGATION
end of a fixed-term employment contract or because of a contractual We are subrogated, under the terms of Article L.121-12 of the French Insurance Code,
termination of the employment contract; up to the amount of the compensation we have paid, to your rights and actions
against those liable for the claim.
suicide or attempted suicide during the first insurance year.
8 : PRESCRIPTION
All actions arising from this policy shall have exceeded the limitation period two years
5 : CLAIM ARISES after the event giving rise to them, within the conditions specified in articles L. 114-1
Notify the policyholder within eight days, in writing or verbally with an et L.114-2 of the Code.
acknowledgement of receipt, of the cancellation or interruption of schooling, or of
any other event that brings the cover into play. Significant lateness in declaring a
claim may lead to the payment to the insurer of compensation proportional to the 9 : ELECTION OF DOMICILE
harm caused by said lateness. For the purposes hereof, we elect domicile at our registered office. Only the
Within 30 days, send to WTW France. competence of French courts is acknowledged.
Pôle enseignement / Département Emprunteurs
11 Parvis de Rotterdam – 180 Tour LILLE EUROPE 59777 EURALILLE 10 : COMPLAINTS
Téléphone : 03 20 42 42 26 Courriel : gsn.enseignement@grassavoye.com a letter
You may contact your usual advisor to formulate any complaint you may have. If these
with the name of your institution as reference, stating the reason for your request, cannot be resolved, the dispute should be sent to our Customer service, Groupe
together with a copy of your enrolment document.
Special Lines, 6-8 rue Jean Jaures, 92800 Puteaux. If no solution is found, you may
After having submitted a claim, the insured party will receive a letter stating which contact the ombudsman by writing to: La médiation de l'Assurance, TSA 50110, 75441
documents they are to send to WTW ; As soon as all these documents have been
PARIS cedex 09 or from the website: http://www.mediation.assurace.org
received, the insured party's case will be dealt with promptly. Failing this, except in
exceptional circumstances or cases of force majeure, your right to compensation for
the claim in question will be forfeit if we can establish that this delay caused a loss.
11 : SUPERVISORY AUTHORITY
Our supervisory authority is the ACPR (Autorité de Contrôle Prudentiel et de
Since our cover for cases of temporary total disability is subordinated to total work Résolution – the French Prudential and Resolution Supervisory Authority), 4 Place de
stoppage for a minimum number of days, no forfeiture for late submission will be Budapest 75436 Paris Cedex
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