Top 10 Health Insurance Providers in France for Expats
Some of the best health insurance companies in France for expats include Bupa, Allianz, AXA, and IMG. These insurers offer a range of coverage options to suit different needs, from basic emergency plans to comprehensive family health coverage.
Discover the world's top
health insurers.
Compare quotes with
a click of the button.
In this article, we’ll help you navigate through the top 10 health insurance companies in France, providing an overview of each provider’s plans and benefits to assist you in finding the best coverage for your situation.
Top Health Insurers in France for Expats
Among the top 10 insurance companies in France for expats and foreigners are providers such as Bupa, April International, AXA, Allianz, and IMG. These insurers offer comprehensive coverage for expats in France.
Below we have a list of the top 10 insurance companies in France.
- Bupa Global
- April International
- AXA International
- Allianz Care
- IMG Global
- Henner
- Now Health
- MSH
- Aviva
- Cigna
Bupa Global: Tailored Health Insurance Plans for Expats
Bupa Global is Bupa’s division specializing in international health insurance for expats, families, and groups, as well as businesses. Available Bupa health insurance plans will vary depending on where you live.
Bupa Global offers four tiers of health insurance plans, such as Major Medical, Select, Premier, and Elite. Major Medical is the most basic of the four, while Elite is the most comprehensive, and each plan will offer its fair share of benefits and limitations.
Major Medical
The Major Medical plan covers medical emergencies and major medical expenses as well as medical evacuation and repatriation. However, Major Medical plans under Bupa Global do not cover wellness or routine appointments.
The annual benefit limit for this plan is EUR 2,000,000.
Select
The Select plan covers health screenings as well as wellness examinations after a 10-month waiting period. However, Select plans lack maternity, dental, and optical coverage.
The annual benefit limit for this plan is EUR 1,000,000.
Premier
The Premier plan covers wellness examinations (after a 10-month waiting period) and health screenings and vaccinations, as well as dental and vision care. However, this plan lacks repatriation coverage despite covering medical evacuation.
The annual benefit limit for this plan is EUR 1,500,000.
Elite
The Elite plan covers medical evacuation and repatriation, complementary therapies, health examinations, and routine maternity care, as well as dental and optical care after a 10-month waiting period.
The annual benefit limit for this plan is EUR 3,000,000.
April International: Health Coverage Options for Expats in France
April International offers health insurance for expats through the MyHealth International plans and features five primary tiers of coverage. These include the Emergency Plan, the Formule Basic Plan, the Essential Plan, the Comfort Plan, and the Premium Plan.
The annual benefit limits for the Emergency, Formule Basic, and Essential plans are EUR 250,000, EUR 500,000, and EUR 1,000,000, respectively. Meanwhile, the annual benefit limits for the Comfort and Premium plans are unlimited.
The Emergency and Formule Basic Plan
The Emergency plan covers hospitalization costs only for accidents or medical emergencies as well as medical repatriation while lacking private room and comprehensive cancer care coverage.
Meanwhile, the Formule Basic plan covers medical repatriation while lacking comprehensive cancer care and private room coverage like its emergency plan counterpart. However, this plan offers full hospitalization cost coverage.
The Essential, Comfort, and Premium Plans
The Essential, Comfort, and Premium plans all cover medical repatriation and comprehensive cancer care and also offer full coverage on hospitalization and private hospital rooms.
AXA International: Affordable and Comprehensive Plans
AXA’s five tiers of international health insurance plans include the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus plans. Below are explanations for the five-tiered international health insurance plans from AXA.
Foundation Plan
The Foundation plan from AXA has an annual limit of EUR 312,500. Below are the areas that AXA’s Foundation plan covers.
- Inpatient hospital charges and surgeries
- Emergency care
- Medical evacuation and repatriation
- Cancer treatments
- Ambulance transportation
- CT, PET, and MRI scans
- Outpatient treatment, examinations, and vaccinations (optional)
- Outpatient drugs and dressings (optional)
Standard Plan
The Standard plan from AXA has an annual limit of EUR 1,275,000 and features the same coverage areas as the aforementioned Foundation plan with additional dental care coverage.
Comprehensive Plan
The Comprehensive plan from AXA has an annual limit of EUR 1,900,000 and features the same coverage areas as the Standard plan with the addition of chronic condition coverage and eye examination with prescription glasses coverage.
The outpatient coverage seen in the previous two plan types is also added to the Comprehensive plan rather than being an optional addition.
Prestige Plan
The Prestige plan from AXA has an annual limit of EUR 2,550,000. It features the same coverage with additions as the Comprehensive plan with added maternity and annual health check coverage.
Prestige Plus Plan
The Prestige Plus plan from AXA features all the same coverage areas with additions as its regular Prestige plan counterpart, with the only difference being the annual limit being bumped up to EUR 6,375,000.
Allianz Care: Top Health Insurance for Expats
Allianz Care offers three plans for expats in need of international health insurance, including the Allianz Care Base, the Allianz Care Enhanced, and the Allianz Care Signature plans. Below are explanations of each international health insurance plan from Allianz Care.
Allianz Care Base
The Allianz Care plan features a maximum plan limit of EUR 1,000,000. This plan covers private room inpatient care, diagnostic tests, surgeries, oncology, medical evacuation, home nursing, rehabilitation, and emergency outpatient treatment.
Allianz Care Enhanced
Featuring a maximum plan limit of EUR 2,000,000, the Allianz Care Enhanced plan covers the same benefits as the Allianz Care Base with some notable additions, including drug and alcohol addiction treatment, preventive surgery, routine maternity, and complications of childbirth and pregnancy.
Allianz Care Signature
The Allianz Care Signature plan, with a maximum limit of EUR 3,703,705, covers the same areas as the Allianz Care Enhanced plan but with added laser eye treatment coverage and higher limits for various benefits.
IMG Global: Global Coverage for Expats in France
Through a global medical plan, IMG Global’s international health insurance plans are available in four different categories of coverage. These include Bronze, Silver, Gold, and Platinum. Below are the lifetime limits of each category.
- Bronze: USD $1,000,000 (EUR 850,800)
- Silver: USD $5,000,000 (EUR 4,254,000)
- Gold: USD $5,000,000 (EUR 4,254,000)
- Platinum: USD $8,000,000 (EUR 6,806,400)
For more information on coverage details, please click here for further reading.
Henner: Tailored Health Insurance Solutions for Expats
Henner, a leader in the French group health insurance market, features innovative health and life insurance solutions. This independent French insurer works with various companies to design and manage health insurance plans for employees as well as their family members.
If you would like to learn more about Henner, please visit our insurer page on Henner for further reading.
Now Health: Flexible Coverage Options for Expats in France
International health insurance plans from Now Health International cover expats worldwide and can be tailored to fit every expat’s unique healthcare needs and comfortable budget range. There are also options for worldwide coverage that include or exclude the United States.
For more information on coverage areas and benefits, please click here for further reading.
MSH International: Custom Health Insurance Plans for Expats
International health insurance plans from MSH International are available through their First’Expat+ plans, offering comprehensive coverage for expats and their families while overseas and allowing access to routine and emergency care.
Core benefits of the First’Expat+ plans feature four primary tiers, including Hospi, Health, Health+, and Health+Child. The Hospi tier covers hospital and medical evacuation, and the Health tier covers routine healthcare services, third-party liability, and legal assistance services.
Meanwhile, the Health+ tier covers dental and vision services and the Health+Child tier covers maternity services.
Aviva: Comprehensive Health Insurance Plans for Expats
Aviva offers car, home, travel, and most importantly health insurance to individuals, including expats, as well as families and businesses. As one of the UK’s leading insurers with years of experience, Aviva’s employees shine in their dedication to customers.
Aviva’s core health insurance plan covers specialist consultation and/or treatment, diagnostic tests, hospital charges, full cancer coverage, and outpatient mental health treatment. Below are the additional areas available as add-on coverage.
- Dental and optical care.
- Mental health upgrade.
- Other treatments or therapies such as chiropractic, physiotherapy, or osteotherapy.
- Extended hospital list.
- Protected no-claim discount.
If you would like to learn more about Aviva’s health insurance or any of their other insurance products, please visit our page on Aviva for further reading.
Cigna: Reliable International Health Insurance for Expats
Cigna Global offers four tiers for their international health insurance plans, featuring Silver, Gold, Platinum, and Close Care. The Close Care plan only offers coverage for the country of residence and your nationality, while the rest offer worldwide coverage with optional US coverage.
For more information on Cigna Global’s international health insurance plans, including coverage details and benefits, click here for further reading.
Secure Health Insurance With Pacific Prime
From Bupa and Allianz to AXA and Cigna, these different international health insurance companies have something for every expat living in France. While eligibility or paperwork can be complicated depending on the particular provider, it doesn’t always have to be a headache.
As an international health insurance broker, Pacific Prime has over 25 years of experience in helping match both expats and local citizens to a health insurance plan that suits their unique healthcare needs and budget.
Whether you’re a local French citizen or an expat living in France, our team of specialists will be more than happy to help you out. If you have any further questions, please get in touch with us and get a free quote here.
Enjoyed this article? Check out our other articles below!
Best International Health Insurance for Expats in Mexico
Top 11 International Insurance Companies in China for Expats
Frequently Asked Questions
How much is expat health insurance in France?
The annual cost of expat health insurance in France is USD 4,215 (EUR 3,585) for an individual and USD 11,597 (EUR 9,865) for a family, according to Pacific Prime’s Cost of Health Insurance Report 2024. Still, exact premiums will vary depending on the particular policy and the benefits offered.
Is healthcare in France free for expats?
While expats who have legally resided in France for more than three months are eligible for French social security, providing heavily subsidized healthcare through the public system, services are not entirely free. Many expats use supplemental private plans to help cover the remaining expenses.
What happens if I don’t have health insurance in France?
If you lack health insurance in France, you will be forced to pay upfront for any medical emergencies such as illnesses and injuries. Additionally, depending on the severity of your medical emergency, healthcare expenses may vary. Having a health insurance plan beforehand is crucial.
With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.
In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.
- GIG Gulf Insurance for Dubai Expats in 2026 - April 27, 2026
- Thailand Elite Visa 2026 Updated: Membership Options, Costs & Benefits - April 25, 2026
- How to Get Group Medical Insurance in Hong Kong (2026 Guide) - April 21, 2026
Comments
Comments are disabled for this post
We'll notify you
when our team replies!