Wednesday, February 21, 2024
HomeInsuranceIt is possible to be insured (certainly) against bed bugs

It is possible to be insured (certainly) against bed bugs

They are microscopic but can ruin your life. Over the past 5 years, 11% of French people have been affected by bed bugs in their homes, according to a survey published in August by Ipsos for Badbugs.fr. “This risk is not covered by almost all home insurance policies” says Nicolas Roux de Bézieux, founder of Badbugs. To remedy this, this platform, which was launched in 2019, has precisely created an insurance against bed bugs together with the IMA group (Inter Mutuelles Assistance). “To get rid of bed bugs, households pay on average almost 1000 euros including 476 euros for professional intervention (2 in 2 weeks), says Nicolas Roux de Bézieux. But the remaining 500 and some euros (discarded and replaced furniture, “homemade” treatments, etc.)have useless or ineffective“.

For 2 euros per month (the 24 euros are actually paid in one go), the insurance only covers all the costs incurred – a maximum of 500 euros – to have your home cleaned by an expert. Insurance therefore does not benefit those who want to fend for themselves. “90% of bed bug victims treat their home themselves. It costs them 30% more than a treatment by a professional“, emphasizes Nicolas Roux de Bézieux. The treatment costs are paid by individuals – owners or tenants – and then reimbursed by the insurance company.within 15 days-3 weeks“, assures the founder of Badbugs. “In the case of a rental, the insurance of 24 euros can be recovered by the owner“, he adds. In addition, this 1-year insurance, automatically renewable, can be canceled at any time after the 12 months have passed, with a waiting period of 3 months. In addition, it covers 1 claim per year. Finally, the time of the intervention, gives the insurance gives you the opportunity to be compensated for an overnight stay in a hotel up to 80 euros per

Objective: 10,000 insurances in 1 year

As often, the financial aspect is not enough to reassure individuals. They must be accompanied. Poorly advised people spend an average of 64% more and take an extra 6 weeks to overcome the attack, according to the Ipsos survey. Badbugs has launched a hotline open 7 days a week to guide individuals. And that’s not all. Bed bugs are an often underestimated trauma. They were the source of 72,000 medical consultations in 2019, according to Inserm, due to sleep disturbances or difficulties in the social or professional life of those affected. The insurance policy created by Badbugs allows you to benefit from 5 sessions with a psychotherapist. And thus end the nightmare. “Bed bugs are a problem that affects everyone and every home“reminiscent of Nicolas Roux de Bézieux, who aims for 10,000 insurance subscriptions within a year.

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