Healthcare Reimbursement in Jordan: Who Reimburses What Depending on Your Situation

The French embassy in Jordan points it out: the French State does not cover healthcare costs incurred abroad, and France Diplomatie (the French foreign ministry) asks you to take out insurance covering medical costs and emergency repatriation. There is no bilateral social security agreement between France and Jordan: the CLEISS does not list it among the agreements in force. There is therefore no coordination of schemes, no totalising of periods and no cross-coverage.

Depending on status, four players may be involved: the employer and its insurer, the French scheme kept in place (secondment), the CFE and international health insurance. The notions of reimbursement basis and out-of-pocket cost help you compare offers. The conversions rely on the Central Bank of Jordan rate of 05/10/2026 (about 0.79 JOD per €1). How local care works is presented on the page on the healthcare system in Jordan.

The employee on a local contract depends on the insurance their employer chooses to offer: according to the International Labour Organization (December 2023), the law does not provide for compulsory health insurance for the ordinary private-sector employee, whereas it requires it for domestic workers. The contract therefore specifies the insurer, if any, the beneficiaries (employee, spouse, children), the ceilings and the network of establishments. Employees registered with the Social Security Corporation benefit from insurance against work accidents (daily allowances, disability benefits, survivors' pension) and, for maternity, ten weeks of leave on full pay. See the glossary entry on the local contract.

The seconded employee sent by a French employer may keep the French scheme outside an agreement: the period is 3 years, renewable once. They remain affiliated and pay contributions in France, while the host country may also require its own contributions. Care is reimbursed within the limit of the benefits they would have received in France, on paid invoices sent to the fund with form S 3125c; family members who accompany them fall under the same form. Employers often add an international group contract to cover the gap with private-sector prices. See seconded or expat and the glossary entry on the seconded employee.

The self-employed person or digital nomad has no employer to arrange their cover. They choose between the CFE and international insurance, whose contract specifies hospitalisation, outpatient care and medical repatriation. The official sources consulted do not describe a remote-work visa; the page on digital nomad insurance compares plans suited to a stay of several months.

The student checks with their institution which insurance is required for enrolment and for the stay. Before age 30, the CFE offers the youth plan from €57 a month. See student insurance abroad.

The retiree does not fall under form S1, which is valid in the European Union. The CLEISS indicates three routes for a country without an agreement: the local scheme, voluntary enrolment in the CFE or private insurance. The CFE retirees' plan starts at €147 a month and requires no health questionnaire. A retiree who has contributed at least 15 years in France is covered during temporary stays in France; their spouse, for their part, takes out insurance before travelling. See retiring in Jordan and the guide to retirees’ health insurance abroad.

The spouse and children of an employee are covered under the employer’s insurance contract, where it provides one. The CFE and international insurers also offer family contracts, with maternity and paediatrics depending on the contract. See expat family insurance.

The CFE is a voluntary social protection body. Abroad, reimbursement follows rates or flat amounts specific to the country of care, applied to actual invoices. When the Jordanian price exceeds the basis used, the gap stays with the member: the guide to CFE reimbursements details this mechanism.

• Plans: main plan (age 30 and over, excluding retirees) from €87 a month, youth plan (under 30) from €57 a month, retirees’ plan from €147 a month; the price depends on the country and the family situation. The main plan covers consultations, medicines, tests, hospitalisation, maternity, dental care, emergency transport and vaccines, including stays of less than three months in France. No health questionnaire is required.
• Waiting period: immediate cover if enrolment takes place before departure or within three months of moving abroad; beyond that, a three-month wait before age 45 and six months from age 45.
• Maternity: conception must follow enrolment or affiliation as a dependant.

On return to France, the member keeps their rights for three months at most, long enough to join universal health coverage on the basis of residence; a new job in France opens rights with no waiting period (France Diplomatie). See the guide to reducing the waiting period and the page on returning to France.

International health insurance from the first euro reimburses actual costs within its ceilings, after any excess, waiting periods and exclusions in the contract. It gives access to private establishments with direct billing where the network provides for it. Contracts are compared on the annual ceiling, the coverage zone, evacuation and the treatment of medical history; the guide to checking the partner network helps you verify access to hospitals.

The tourist obtains a single-entry visa for JOD 40, or free with the Jordan Pass for a stay of at least three nights. France Diplomatie asks you to take out insurance covering medical costs and emergency repatriation, because the embassy cannot under any circumstances cover them. See long-stay travel insurance.

• Consultation: covered by the employer’s insurer if the contract provides for one; reimbursed by the CFE on its country scale; actual costs for a first-euro contract; French scheme for the seconded employee, within the limit of French tariffs.
• Hospital stay: employer’s policy for the local employee, according to its ceilings; French scheme for the seconded employee; international contract with direct billing in the private sector. A work accident falls under the Social Security Corporation insurance for registered employees.
• Medicines: according to the policy ceilings or the CFE scale; France Diplomatie recommends carrying medicines in their original packaging with a prescription stating the generic name.
• Dental: included at the CFE according to its scales and in most international contracts, with an annual ceiling; the cover of an employer’s policy depends on its benefits, to be read in the contract.
• Optical: glasses and lenses are mostly covered by international contracts, with ceilings per period to read in the benefits table.
• Maternity: covered by the CFE if conception follows enrolment; international contracts generally apply a waiting period. On the work side, maternity leave lasts 10 weeks on full pay, including at least 6 after the birth (Labour Code).

The reimbursement guide and the expat health insurance page give benchmarks; Expavy helps you weigh these options against your situation.