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Informational content — no offer yetExpat Health Insurance
Expat health insurance covers your healthcare costs abroad, either as a top-up to CFE or as a full replacement (first euro). The right choice depends on your country, your status and your budget.
Who it’s for
- Anyone moving abroad, already living abroad, or returning from abroad
- Those who want coverage that follows the real rates of their country of residence
- Families who want a single plan for all their members
Two mechanisms, not one single product
“Expat health insurance” actually covers two very different mechanisms. The CFE top-up (French) adds to an affiliation with the Caisse des Français de l’Étranger and covers what it doesn’t (CFE reimburses on French bases, not on real rates abroad). First-euro insurance fully replaces French Social Security and covers from the very first expense, with no reimbursement based on French rates.
The choice between the two depends on your status, the healthcare system of your destination country and your budget preferences — see the guide CFE or private insurance.
What good coverage generally includes
- Everyday medical costs: consultations, exams, prescribed medication.
- Hospitalisation: stay costs, medical fees, surgical procedures.
- Medical evacuation, organised and covered in case of medical necessity.
- Depending on the plan: maternity, dental, optical, mental health support.
What to compare before signing
Geographic coverage zone, reimbursement or direct payment to providers, deductible, coverage caps, exclusions linked to medical history: see the guide Understanding international health insurance to know what each of these terms changes in practice.
What this indicative price doesn’t replace
The price shown by the diagnostic is indicative, calculated from three pieces of information. The firm rate depends on a health questionnaire and is never binding until you’ve signed it.
Frequently asked questions
Is expat health insurance mandatory?
It depends on the country and the visa: some countries require it everywhere, others only for certain long-stay visas, others don't legally require it but it becomes essential in practice, for lack of local coverage — see the country guides.
What's the difference with travel insurance?
Travel insurance is designed for short stays and only covers emergencies. Expat health insurance follows day-to-day life abroad: routine consultations, ongoing care, maternity, over the long term.
Written by Expavy