Terms and Conditions | Magh Assistance

Effective as of: May 6, 2026 - Version 1.0

These Terms and Conditions of Use and Service (the « Conditions »or « CGU/CGV ») govern (i) the use of the site maghassist.com (the « Website ») and (ii) the subscription, by any person (the « Underwriter »or « Member »), a subscription to organized, prepaid medical assistance services provided in Algeria by Magh Assistance (the «Services»).

1. Provider identification

The Services are marketed by Magh Assist Sàrl, a limited liability company under Swiss law, having its registered office at rue du Sablon 2, C/O Kainjoo SA, CP 116, CH-1110 Morges, Vaud, Switzerland, («Kainjoo SA").« Magh Assist »).

The operational execution of services in Algeria is entrusted to Magh Assistance Sàrl, a company incorporated under Algerian law, located at Cité Soummam, Lot N° 03, Bab Ezzouar, 16000 Alger, RC [TO BE COMPLETED] (« Magh Assistance »). Magh Assist and Magh Assistance are collectively referred to as «Magh Assist".« Maghassist »or « we ».

2. Legal status of the service - no insurance activity

2.1. The Services constitute a prepaid medical assistance services contract. Maghassist organizes, coordinates and prepays services directly from its network of medical partners in Algeria. determined in advance in the package chosen by the Policyholder (consultations, emergencies, home care, medical transport, etc.).

2.2. Services do not constitute an insurance transaction within the meaning of the Swiss Federal Law on Insurance Supervision (LSA) or the Federal Law on Insurance Contracts (LCA), or Ordinance No. 95-07 of January 25, 1995 on insurance and its amendments in Algeria, or Directive (EU) 2009/138/EC (Solvency II) or Directive (EU) 2016/97 (DDA/IDD).

2.3. As a result :

Maghassist does not charge an insurance premium and does not pay any indemnity or capital sum to the Policyholder; ;
The sums paid by the Subscriber remunerate the’access to a set of services and their prepayment, and not the assumption of a hazard.
The Services are not a substitute for health insurance, travel insurance, repatriation insurance or any other form of compulsory or optional insurance; ;
It is the Subscriber's responsibility to take out any separate health, travel or repatriation insurance policy he or she deems necessary.

3. Acceptance of Conditions

Subscription to a Maghassist subscription implies full acceptance of the present Terms and Conditions. The Subscriber acknowledges having read them prior to subscription. The applicable Conditions are those in force on the date of subscription, unless modified in accordance with the conditions of article 14.

4. Description of Services

The Maghassist subscription gives access to the following services, within the limits of the benefits defined in the package chosen and in the partner network in Algeria:

24-hour emergencies, pediatric emergencies and geriatric emergencies.
Medical consultations: questioning, assessment of vital signs, general physical examination, indication and performance of complementary tests, ECG, diagnosis and treatment, indication and management of treatments, injections and home infusions.
Medical transport: emergency ambulances, air transport, medical and non-medical transport.
Medical care: aerosol sessions, oral suction, management of pressure sores, leg ulcers, diabetic foot, neoplastic ascites punctures.

Details of the services, ceilings, frequencies and geographical areas covered by the partner network are provided in the DATA SHEET specific to each formula, which supplements the present Conditions and prevails in the event of divergence on the points it describes only.

5. Eligibility and subscription

5.1. Eligibility. The subscription is open to natural persons of legal age residing outside Algeria who wish to organize medical assistance services in Algeria for themselves and, where applicable, their dependants (spouse, ascendants, children).

5.2. Subscription process. Subscriptions are made online via the Site, by telephone or in person with an advisor. The Subscriber provides the identity and contact details required for him/herself and his/her beneficiaries. The contract is formed on receipt of payment of the first subscription and confirmation by Maghassist.

5.3 Medical information. No medical selection is made. The Policyholder may be asked to provide certain medical information that is useful only for the proper organization of future services (attending physician, relevant medical history). This information is processed in accordance with Privacy policy and cookies.

5.4. Minors and beneficiaries. Minor beneficiaries are registered by the Subscriber holding parental authority, who acts on their behalf and accepts the present terms and conditions on their behalf.

6. Rates, billing and payment

6.1. Price list. Subscription and package prices are indicated on the Site, excluding any applicable taxes. They are expressed in the currency indicated at the time of subscription.

6.2. Payment. Payment is made by credit card or any other available means. Payment processing is entrusted to an approved technical service provider. No card data is stored by Maghassist.

6.3. Renewal. Unless otherwise specified in the service sheet, the subscription is concluded for a period of one (1) year and is tacitly renewed for equivalent periods. The Subscriber may object to renewal, in writing, at least thirty (30) days before the expiry date.

6.4. Default of payment. In the event of non-payment within fifteen (15) days of formal notice, access to the Services is automatically suspended, without prejudice to Maghassist's right to terminate the subscription.

7. Duration, right of withdrawal, termination

7.1. Right of withdrawal. The consumer Subscriber residing in the EEA has a period of fourteen (14) days from the conclusion of the contract to withdraw without having to justify his or her decision, under the conditions of Directive 2011/83/EU and applicable national law. The withdrawal form is available on request from contact@maghassist.com. If the Subscriber has expressly requested the Services to be performed during the withdrawal period, he/she must pay the price corresponding to the services actually provided up to the time of withdrawal.

7.2. Termination by the Policyholder. The Subscriber may cancel the subscription at any time, in writing, with effect from the end of the current period. No reimbursement is due for the period started, unless otherwise stipulated by law.

7.3. Termination by Maghassist. Maghassist may terminate the subscription with thirty (30) days' notice in the event of serious breach by the Subscriber, in particular in the event of fraudulent use of the Service, false declarations, inappropriate behaviour towards the partner network or persistent non-payment.

8. Obligations of the Subscriber

Provide accurate and up-to-date information.
Use the Services in good faith and in accordance with their intended purpose.
Follow Maghassist instructions and procedures for applying for benefits (call number, platform, proof of identity).
Respect the partner network and medical staff, and pay any out-of-pocket expenses (drugs, tests outside the ceiling, out-of-network services).
Maintain the confidentiality of your login and password.

9. Limitations of Services

9.1. Geographic scope. Services are provided exclusively in Algeria, by Magh Assistance's partner network.

9.2. Ceilings and exclusions. Services are provided within the limits of the benefits, frequencies and exclusions specified in the benefits form. In particular, the following are not included, unless expressly stated: cosmetic treatments, procedures for reasons of convenience, pathologies not recognized by the Algerian health authorities, treatment abroad, medicines not covered by prescription, accommodation costs, or any service whose coverage would be contrary to Algerian public policy.

9.3. Network availability. Maghassist makes every reasonable effort to ensure the availability of its partner network and the quality of its services. However, medical procedures are the sole responsibility of the practitioner or establishment performing them, in accordance with medical ethics and applicable Algerian law. Maghassist does not practice medicine and does not act as an employer of network practitioners.

9.4. Force majeure. Maghassist shall not be held liable for the non-performance or improper performance of the Services in the event of force majeure as defined by applicable case law, in particular in the event of a general strike, political unrest, natural disaster, pandemic, administrative closure or decision by an authority.

10. Liability

10.1. Maghassist's liability is strictly limited to the proper organization and prepayment of the services provided for in the package subscribed to. Maghassist cannot be held liable for indirect damages, including loss of opportunity, loss of income, non-medical moral damage or loss of image.

10.2. In any event, and except in the case of gross negligence or wilful misconduct, Maghassist's cumulative contractual liability in respect of a subscription is capped at the amount of the sums actually paid by the Subscriber during the twelve (12) months prior to the triggering event.

10.3. Nothing herein shall exclude or limit Maghassist's liability for damages the limitation of which is prohibited by mandatory consumer law.

11. Intellectual property

The Site, its texts, trademarks, logos, structures and databases are the exclusive property of Maghassist or its licensors, and are protected by Swiss law, Algerian law and applicable international conventions. Any reproduction, representation, adaptation or use, in whole or in part, without prior written authorization, is prohibited.

12. Personal data

The processing of personal data carried out within the framework of the Services is described in the Privacy policy and cookies, which forms an integral part of these Conditions.

13. Cookies

The use of cookies on the Site is governed by French law. Privacy and cookies policy, part B.

14. Modifications to the Conditions

Maghassist reserves the right to modify these Terms at any time, in particular to comply with any legislative or regulatory changes or to change the scope of the Services. Any substantial modification will be notified to the Subscriber by email and/or on the Site at least thirty (30) days before it takes effect. The Subscriber then has the right to cancel his or her subscription free of charge before the effective date, failing which he or she will be deemed to have accepted the new Conditions.

15. Applicable law and competent courts

15.1. The contractual relationship between the Policyholder and Magh Assist is governed by the Swiss law, to the exclusion of conflict-of-laws rules and the Vienna Convention on the International Sale of Goods.

15.2. Medical services provided in Algeria are, by their very nature, governed by the Algerian law applicable at the place where the service is provided, in particular medical liability law.

15.3. Any dispute relating to the formation, interpretation, performance or termination of these Terms and Conditions shall be submitted to the French courts. ordinary courts of the district of Morges, Canton of Vaud, Switzerland, subject to (i) the mandatory rules of the forum of the consumer's domicile provided for by Regulation (EU) No. 1215/2012 or by the 2007 Lugano Convention and (ii) the jurisdiction of Algerian courts for disputes relating to a medical act performed in Algeria.

16. Mediation and amicable settlement

Before taking any legal action, the Policyholder is invited to address his/her claim to contact@maghassist.com. Maghassist will respond within thirty (30) days. The consumer Subscriber residing in the EU may also have recourse to the European online dispute resolution platform accessible at the following address ec.europa.eu/consumers/odr.

17. Miscellaneous provisions

17.1. Assignment. The Subscriber may not assign or transfer the subscription to a third party without the prior written consent of Maghassist.

17.2. Partial nullity. If any provision hereof is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

17.3. Tolerance. Maghassist's failure to take advantage of a breach by the Subscriber shall not constitute a waiver of its right to do so at a later date.

17.4. Language. The present Conditions are written in French. In the event of translation, the French version shall prevail.

17.5. Legal information. The Site's legal notices, the host and the contact details of the publication director are available on the Site's «Legal Notices» page.

Terms & Conditions