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.
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 CFE | With CFE + additional insurance | With an international health plan | |
|---|---|---|---|
| Who can subscribe | Only French expats, EU citizens, and Europen Economic Area + Switzerland citizens | Only French expats, EU citizens, and Europen Economic Area + Switzerland citizens | Everyone who is going to emigrate out of their native country |
| Coverage rate | Based on french standard health costs | Based on french standard health costs + additional reimbursement within the limit of your policy | Reimbursement within the limit of your policy |
| Medical selection | No | No with CFE | Yes |
| Waiting period | 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 | 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 advance | Yes | Yes (excepted In-Network providers) | Yes (excepted In-Network Providers) |
| Reimbursement term | Usually long | Usually a bit long due to exchanges between CFE and the insurance company | Usually short |
| Your trip in your country of nationality | Covered if your stay isn’t longer than 3 months | Covered if your stay isn’t longer than 3 months | Covered if your stay isn’t longer than 3 months |
| Special case for French expats: when you come back to live in France | No waiting period to affiliate the social security system | No waiting period to affiliate the social security system | 3 months waiting period |
| Cost | Depends on your current situation | Depends on your current situation, your age and your host country | Depends on your age and your host country |
To notice : For more information you can visit the CFE website : www.cfe.fr
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