International health insurance

How to get insured?

Many solutions exist to be covered abroad: • Subscribe to CFE (Caisse des Français de l’Etranger) • Subscribe to CFE + an additional insurance • Subscribe to an international health insurance.
The CFE is a welfare agency that aims at providing the equal coverage to its members than the French Social Security. Only French citizens can subscribe it. In order to choose a health coverage that suits to their needs, it’s important to understand the various solutions provided by CFE and international health insurances.
 With CFEWith CFE + additional insuranceWith an international health plan
Who can subscribeOnly French expats, EU citizens, and Europen Economic Area + Switzerland citizensOnly French expats, EU citizens, and Europen Economic Area + Switzerland citizensEveryone who is going to emigrate out of their native country
Coverage rateBased on french standard health costs Based on french standard health costs + additional reimbursement within the limit of your policyReimbursement within the limit of your policy
Medical selectionNoNo with CFE
Yes
Waiting periodNot if you are affiliated to the social security in France when you subscribe.
If you are not anymore:
No waiting period if you - are under 30,
- 3 months from 30 to 44
- 6 months from 45
Not if you are affiliated to the social security in France when you subscribe.
If you are not anymore:
No waiting period if you - are under 30,
- 3 months from 30 to 44
- 6 months from 45
During the waiting period you can subscribe a full insurance from the first spent $
No waiting period excepted on optical, dental and maternity
Costs advanceYesYes (excepted In-Network providers)Yes (excepted In-Network Providers)
Reimbursement termUsually longUsually a bit long due to exchanges between CFE and the insurance companyUsually short
Your trip in your country of nationalityCovered if your stay isn’t longer than 3 monthsCovered if your stay isn’t longer than 3 monthsCovered if your stay isn’t longer than 3 months
Special case for French expats: when you come back to live in FranceNo waiting period to affiliate the social security systemNo waiting period to affiliate the social security system3 months waiting period
CostDepends on your current situationDepends on your current situation, your age and your host countryDepends on your age and your host country
To notice : For more information you can visit the CFE website : www.cfe.fr

Our other news

Contact us today

We will determine together
the insurance best suited to your needs.