Heart attack or similar? The emergency treatment may be covered, but the repatriation flight wouldn't. And then there's the cost of the accommodation and care during the 1 month driving ban if you decide to recuperate in France and then drive home, routine medication for the heart care post-discharge etc. My 'can't think what I would need to pay' came out at £620+, and that was paring everything back to the bone in terms of expenditure!
Steve