How can we help you

Medical insurance abroad covers care and repatriation in the event of illness, injury or death for you and your family.

First LCL visa

The Visa Premier LCL card is a prestigious card that brings together several advantages, mainly high ceilings and travel insurance that cover all your trips. LCL is one of the few French banks to offer both visa and mastercard. If you prefer MasterCard, you can take the mastercard Platinum + LCL.

Of course, the advantages granted by the Visa Premier card are interesting, but it is also necessary to highlight the Program Advantage+ LCL and the possibility of savings which make the card even more profitable.

The Visa Premier LCL card

But what makes the Visa Premier LCL single unique compared to other banks that offer the same card with the same Visa Premier insurance?

An advance of money to continue your trip

You no longer have enough money to continue your trip ? No matter the reason, there is no question of panicking or turning back. With LCL, to get an advance of money to continue your trip, just have one of the high -end Visa LCL cards in hand: first or infinite.

Insurance included in the first LCL visa

In the event of loss or theft of your means of payment at LCL or any bank as well as your keys, your identity card, your passport or any other official document, the means of payments of payments reimburses you as follows:

• Refund of costs related to replacing your documents and costs related to replacing your keys.
• Rapid reimbursement of the money stolen money after an assault, debited on your account with your card or a checkbook without having to wait for the instruction of the file by the Banque de France.

There are several formulas of the insurance means of payment:

• A formula reserved for students which covers the flight of money following an assault in addition to the loss or theft of keys and identity papers
• The basic and individual formula covering the flight of money following an assault, theft and loss of keys and official papers, the usurpation of identity which leads to the use of your bank card, checkbook or transfers, as well as The non-delivery of your purchases.
• A “family” formula: with this one, the individual formula extends to your family members.

System’Apant option

With the System’Apargne option you can save on the savings account of your choice.

The Advantage Program+

The Program Advantage+ is a Cash-back system specific to LCL. Your purchases made with your Visa Premier card from 483 partner stores and stores make you eligible for cash-back.

Personalization of your first LCL visa

With LCL you can customize your Visa Premier card in your image with the visual of your choice.

How to get the Visa Premier LCL card ?

To obtain the Visa Premier LCL card just request it by holding a bank account with regular money entries. But the acquisition of the card is not guaranteed, it is only issued after prior study of the file which determines your eligibility

Your visa card is made available within 8 days subject to acceptance of the file with a validity of 3 years.

The advantages of the Visa Premier LCL card

A Visa Premier card is far from being limited to a simple bank card, it is a card with guarantees, privileges and multiple advantages, hence the fact that it is not accessible to everyone but subject to income condition. The Visa Premier LCL card brings together the advantages of Visa Premier and LCL.

Medical insurance abroad

Medical insurance abroad covers care and repatriation in the event of illness, injury or death for you and your family.

Civil liability insurance abroad

During your trips abroad, you benefit from compensation in the event of accidental damage to others which can amount to € 1,525,000.

Cancellation insurance or travel modification

If personal or professional reasons such as an illness, death or urgent trip for work obliges you to cancel or modify a reserved trip with the Visa Premier card, you benefit from compensation to modify or cancel this said trip to go to ‘at € 5000 per year.

Travel interruption insurance

If personal or professional reasons such as illness, death or an urgent trip for work forces you to interrupt a journey in progress; You have compensation of up to € 5,000 per year.

Rental vehicle damage insurance

Sometimes a disaster occurs with a rental car, and this scenario can quickly run in a nightmare. With rental insurance for rental vehicles; You benefit from 0 deductible insurance on rentals for less than 31 days.

Luggage delay insurance

By train as well as on a plane, emergency expenses in the event of delay in luggage is reimbursed up to € 400.

Snow and mountain warranty

The snow and mountain warranty occurs in the event of an accident during the practice of sports activities in the snow and the mountains. This guarantee should not be combined with insurance on site.

LCL Purchase Guarantee

This purchase guarantee is not unique to the Visa Premier LCL card but the amount of warranty and the guarantee ceiling varies according to the cards. For the first card the minimum / maximum amount is € 75 /800 € and the annual ceiling amounts to € 5,000.

Means of payment insurance

The means of means of payment reimburses you the costs related to the replacement of your keys and official papers as well as the usurpation of identity which leads to the use of your bank card, checkbook or transfers and the flight of money following an assault.

The ceilings

• The withdrawals are capped at € 1,000 every 3 days, in France and abroad
• Payment ceilings for the first LCL visa are limited to € 8,000 per month, in France and abroad

At any time, you can ask your bank advisor an increase in the ceilings.

Prices related to the use of the first LCL visa

• Account holding costs:

If you domiciled your income from LCL: free
If you opt for electronic surveys: 4.€ 5 per quarter. Note that LCL offers as entry -level card the LCL Isic Mastercard card or the MasterCard Maneur Macartelcl if you are a student. These cards are ideal if you have children who take their financial freedom and as parents you want to help them without giving your card.

Otherwise: 6 € per quarter

For the under 26 years old: free

• Annual contribution of the Visa Premier LCL card: € 142.80
• Removal abroad: 3 € + 2.85%
• Foreign currency payments or abroad 1.20 € + 2.85%
• Personalization of the card visual: € 12.25

Why choose this card

• A high -end card
• Ideal for travelers
• High payment and withdrawal ceilings
• Visa Premier insurance
• The + LCL: Savings and cash-back
• Personalization of the card visual by the image of your choice

• The annual card contribution
• 2.85% + € 3 for currency withdrawals and 2.85% + 1.€ 20 for currency payments. Fairly high costs like most French banks.

How can we help you ?

Travel assistance provides material and logistical support if an unforeseen problem occurs during the first 90 days of your trip to France or abroad .

You break a leg during your vacation ? A member of your family is hospitalized in an emergency and you must return as soon as possible ?

The assistance service is there to manage these problems.

This may concern for example the organization of your repatriation or the coverage of your hospitalization costs abroad within the limit of the amount provided for in your assistance contract.

Travel insurance compensates you if a claim occurs before or during the first 90 days of your trip, within the limit of the amount provided for in your insurance contract.

Your trip is canceled or your stolen luggage ?

The insurance service instructs your declaration of claim.

Under what conditions can I benefit from travel assistance ?

To be covered, it is imperative to have a valid card.

Be careful, before engaging in any expense, You must obtain the prior agreement of the assistance service, by making up the number on the back of your bank card, reachable 24/7.

The coverage applies worldwide during the first 90 days of your trip.

Please note, the guarantees do not apply:

• If you travel to a country or region formally not recommended by government authorities or under international sanctions
• If you make a medical or cosmetic surgery trip
• If the situation is due to an intentional act

How to benefit from a refund as part of my travel assistance file ?

Please note, before initiating any expenditure, you must obtain the prior agreement of the assistance service, by making up the number on the back of your bank card, reachable 24/7.

If you wish to be compensated for an expense incurred after having opened an assistance file by phone, an SMS and email link will be sent to you by the assistance service in order to “complete and follow your request for refund” on the next section ::

If this is your first connection, you must create your personal space.

If I pay for consultation costs of doctor, pharmacy, or hospital abroad, will I be reimbursed by travel assistance ?

Before any commitment of expenses you must obtain the prior agreement of the SSISSISENTIAL SERVICE , The rest payable of your medical expenses after procedures with your social and mutual security, is taken care of by the assistor within the limit of the amount provided for in your assistance contract .

What are the main travel assistance guarantees included in my bank card ? 1/2

In case of illness or injury, at your place of stay:

• Monitoring your medical file by our teams (assistance responsible and doctors) in connection with local hospital structures
• Organization and management of repatriation by medical decision
• The organization of the arrival of a loved one at your bedside and its accommodation
• The management of all or part of medical costs abroad

What are the main travel assistance guarantees included in my bank card ? 2/2

In case of hospitalization or death of one of your loved ones:

• Organizing your return as soon as possible and supporting the ticket

In the event of loss or theft of your transport securities or your card:

• The provision of an advance of costs on site

Which is covered by the travel assistance guarantees included in my bank card ?

You, as well as your spouse, your children and grandchildren under the age of 25, including by alliance, your parents who are dependent on a disability card, as soon as you travel separately or together.

If you hold a LCL Excellence or Gold Business card, if you travel with an employee, it is also covered by assistance guarantees.

If you hold an LCL Business, Gold Affaires or Business Card, you are the sole beneficiary of assistance guarantees.

What should I do for long stays ?

For stays of more than three months, you can take out a coverage adapted to the duration of your stay by accessing the Europ Assistance site by clicking here

How to get a travel assistance certificate ?

A certificate is sometimes required for certain destinations, you can download it after entering the information on your trip on the following section:

https: // assistance.LCL.FR /A TTESTATION /INDEX, by directly entering the first 9 digits of your bank card or by connecting to your personal space.

How am I covered by my travel assistance in the event of COVVID ?

If you are sick of COVVID during your stay, our medical assistance guarantees apply.

For example, in the event of a positive test:

– You are reimbursed any medical costs (consultations, exams, drugs)

– You are covered in case of hospitalization

– Your repatriation is organized if our medical team decides that it is necessary

– Your stay is extended if your state of health does not allow you to travel

I am hospitalized because of Covid, what happens for my loved ones ?

Assistance organizes accommodation or homecoming your supporters, the presence of a loved one at your side, or the support of children.

What happens if I have to stay in quarantine because I am positive at COVID ?

Your accommodation costs are covered according to what is provided in your contract.

I can’t take the return to the return because I am positive at COVID

Assistance organizes the extension of your stay and then your repatriation

One of my loved ones is in serious condition because of the covid

Your early return is supported.

And in the event of quarantine of the hotel or the holiday residence, borders’ confinement or closure ?

Insurers do not cover these situations which must be seen directly with tourism organizations and airlines.

Why do I have to register with my email address to connect ?

You must connect to your personal space with your email address and password to have access to information and services of your portal.

Your email will not be used for commercial requests.

I have problems making my request. What should I do ?

In case of technical problems or incidents, you can contact the assistance service by calling the number on the back of your bank card, reachable 24/7.

I’ve lost my password. What should I do ?

You can click on “Forgot password” during the connection process.

Just follow the steps to reset your password.

If the problem persists, you can contact the assistance service by calling the number on the back of your bank card, reachable 24/7.

My card is not recognized, what should I do ?

If your card is not identified, please check that your card is valid or contact the assistance service by calling the number on the back of your bank card, reachable 24/7.

How to make a declaration of travel insurance disaster ?

Travel insurance compensates you for the rest of the rest if a claim occurs before or during the first 90 days of your trip to France or abroad.

For example, your trip is canceled or your stolen baggage ?

You can “declare your claim” by clicking on the following section:

https: // assistance.LCL.fr/Personal space, by seizing the first 9 digits of your bank card or by connecting to your personal space.

You will be redirected to your travel insurance space.

The purpose of this FAQ aims to answer questions asked recurrently. To obtain the details of your guarantees, their conditions and limits of application as well as cases of exclusions, we invite you to refer to the assistance instructions associated with your bank card, where to contact our information service by calling The number on the back of your card.