{"id":26592,"date":"2025-11-24T21:33:30","date_gmt":"2025-11-24T13:33:30","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=26592"},"modified":"2025-11-25T02:25:14","modified_gmt":"2025-11-24T18:25:14","slug":"health-insurance-for-australians-in-france","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/health-insurance-for-australians-in-france.html","title":{"rendered":"Health Insurance for Australian Expats in France"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">For Australian expats living in France, <\/span><b>AXA International<\/b><span style=\"font-weight: 400;\">, <\/span><b>Bupa Global<\/b><span style=\"font-weight: 400;\">, <\/span><b>Cigna Global<\/b><span style=\"font-weight: 400;\">, <\/span><b>Allianz Care<\/b><span style=\"font-weight: 400;\">, and <\/span><b>IMG Global<\/b><span style=\"font-weight: 400;\"> are some of the most reliable health insurance companies. These companies are known for providing full coverage and personalized help to people who live and work abroad.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you an Australian who wants to move to France? If you\u2019re curious about <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/europe\/france-health-insurance\/\"><span style=\"font-weight: 400;\">how France\u2019s healthcare system works<\/span><\/a><span style=\"font-weight: 400;\"> or if you want to find <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-for-french-expats.html\"><span style=\"font-weight: 400;\">the best health insurance plan<\/span><\/a><span style=\"font-weight: 400;\"> for your new life abroad, you&#8217;ve come to the right place.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this Pacific Prime guide, we&#8217;ll explain how France&#8217;s healthcare system works, look at the differences between public and private coverage, compare prices from the top insurers, and help Australians living in France find the <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/\"><span style=\"font-weight: 400;\">best international health insurance options<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s dive in!<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Understanding the French Healthcare System<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-26598 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ambulance-driving-through-a-sunny-street-in-paris-france.webp\" alt=\"Image of Ambulance Driving Through A Sunny Street In Paris, France with text overlay of &quot;Understanding the French Healthcare System&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ambulance-driving-through-a-sunny-street-in-paris-france.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ambulance-driving-through-a-sunny-street-in-paris-france-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ambulance-driving-through-a-sunny-street-in-paris-france-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ambulance-driving-through-a-sunny-street-in-paris-france-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/ambulance-driving-through-a-sunny-street-in-paris-france-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">While Australia and France both have strong public healthcare systems, there are key differences you should know before you move.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Universal Coverage for Legal Residents<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In France, most legal residents are covered under the public health insurance system known as <\/span><a href=\"https:\/\/www.ameli.fr\/assure\/english-pages\"><span style=\"font-weight: 400;\">Protection Universelle Maladie (PUMa)<\/span><\/a><span style=\"font-weight: 400;\">. This means that if you hold a long-stay visa, work permit, or residency card and live in France on a regular basis, you\u2019re generally eligible for the system.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Funding and What\u2019s Covered<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The French social security system funds healthcare through contributions from employees, employers, and the self-employed. PUMa typically reimburses around 70% of costs for doctor visits, hospital stays, and prescription medications. Patients often pay upfront and are reimbursed afterwards.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To cover the remaining costs and access additional services like dental, optical, and specialist care, over 90% of the French population (including many expats) purchase a supplementary private health insurance plan (known in France as a <\/span><a href=\"https:\/\/www.womenforwomenfrance.org\/en\/our-resources\/physical-sexual-and-mental-health\/paying-health-costs\/take-out-a-private-health-insurance-policy-known-as-a-mutuelle\"><i><span style=\"font-weight: 400;\">mutuelle<\/span><\/i><\/a><span style=\"font-weight: 400;\"> or \u201ccompl\u00e9mentaire sant\u00e9\u201d).\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Key Differences Compared to the Australian Healthcare System<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>National vs. Territorial System<\/b><span style=\"font-weight: 400;\">: Australia\u2019s <\/span><a href=\"https:\/\/www.health.gov.au\/about-us\/the-australian-health-system?language=en\"><span style=\"font-weight: 400;\">Medicare<\/span><\/a><span style=\"font-weight: 400;\"> system is national, but it works alongside state-run hospital services and varies by state. France\u2019s PUMa is a national system mandatory for legal residents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Reimbursement Model vs. Direct Billing<\/b><span style=\"font-weight: 400;\">: In Australia you often access public hospital care without paying upfront if covered by Medicare. In France you may pay upfront and then receive reimbursement (typically ~70%) from the state; a <\/span><i><span style=\"font-weight: 400;\">mutuelle<\/span><\/i><span style=\"font-weight: 400;\"> helps cover the rest.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Supplementation for Full Cover<\/b><span style=\"font-weight: 400;\">: In Australia, your Medicare and private health insurance may interact differently, but in France, private cover (<\/span><i><span style=\"font-weight: 400;\">mutuelle<\/span><\/i><span style=\"font-weight: 400;\">) is widely seen as essential for things the public system doesn\u2019t fully cover (dental, optical, private rooms, higher-fee specialists).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cost Control and Freedom of Provider Choice<\/b><span style=\"font-weight: 400;\">: France negotiates fees with doctors and pharmacies centrally and sets tariffs; many Australian services may have larger out-of-pocket costs depending on private or public settings.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">France also allows a high level of patient choice of doctors, although you may still face <\/span><i><span style=\"font-weight: 400;\">d\u00e9passements d\u2019honoraires<\/span><\/i><span style=\"font-weight: 400;\"> (extra specialist fees), which aren\u2019t covered by the public system.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Why This Matters for You as an Australian Expat<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Make sure you understand your eligibility for the French system under PUMa when you arrive, and apply for your health insurance number and a <\/span><a href=\"https:\/\/www.infocartevitale.fr\/english-page.html\"><span style=\"font-weight: 400;\">C<\/span><i><span style=\"font-weight: 400;\">arte Vitale<\/span><\/i><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although the public system covers a large portion of basic care, you may still face significant out-of-pocket costs for specialist care, dental or optical, or if you use private sector doctors charging above the standard tariff.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An international health insurance plan can give you better reimbursements, access to private clinics\/rooms, shorter waits, and more tailored care. It\u2019s highly recommended for expats wanting to be fully covered abroad.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-30' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_1.jpg\" alt=\"Blog Banner Europe 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Legal Requirements for Health Coverage as an Australian Expat in France<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re an Australian moving to France, it\u2019s important to understand the country\u2019s mandatory health insurance rules, which are tied to visa and residency requirements. France has a universal healthcare system, meaning all legal residents, including expats, must have valid health coverage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Short-Stay Visa (Under 90 Days)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you\u2019re visiting France for less than 90 days (for example, on a Schengen Visa), you\u2019ll need travel insurance that covers:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalisation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical repatriation (return to Australia if needed)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The minimum required coverage is typically \u20ac30,000 (approx. AUD $53,000) for the entire duration of your stay in France and the Schengen area. This is a mandatory requirement for visa approval.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Long-Stay Visa (Over 90 Days)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you plan to stay in France for more than 90 days, whether for work, study, or family reasons, you\u2019ll need to join France\u2019s public health insurance system (<\/span><a href=\"https:\/\/www.ameli.fr\/assure\/english-pages\"><span style=\"font-weight: 400;\">PUMa<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When you first arrive, you must have <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">private health insurance<\/span><\/a><span style=\"font-weight: 400;\"> to cover the gap before you become eligible for PUMa.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Registration with the French system usually takes about three months once you\u2019ve established residency and obtained your social security number.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">After registering with <\/span><a href=\"https:\/\/lannuaire.service-public.fr\/navigation\/cpam\"><span style=\"font-weight: 400;\">CPAM<\/span><\/a><span style=\"font-weight: 400;\"> (Caisse Primaire d\u2019Assurance Maladie), you\u2019ll receive your <\/span><i><span style=\"font-weight: 400;\">Carte Vitale<\/span><\/i><span style=\"font-weight: 400;\">, which gives you access to France\u2019s public healthcare network.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Supplementary Private Insurance (Mutuelle)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">While PUMa reimburses around 70% of standard medical costs, it doesn\u2019t fully cover expenses such as dental, optical, or specialist care. Most Australian expats choose to take out a supplementary private health insurance policy, known as a <\/span><i><span style=\"font-weight: 400;\">mutuelle<\/span><\/i><span style=\"font-weight: 400;\">, to top up their public coverage.<\/span><\/p>\n<p><b>As an Australian living in France, you\u2019re legally required to have valid health coverage at all times.<\/b><span style=\"font-weight: 400;\"> Proper insurance ensures you remain compliant with French residency rules and gives you peace of mind knowing you\u2019re protected for everything from routine appointments to emergencies.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019d like to learn more about budgeting for your move, check out our detailed guide on <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/cost-of-living-in-france.html\"><span style=\"font-weight: 400;\">the cost of living in France<\/span><\/a><span style=\"font-weight: 400;\">, including breakdowns of housing, utilities, transport, and healthcare expenses.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-31' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_2.jpg\" alt=\"Blog Banner Europe 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Top Private Health Insurance Providers for Australian Expats in France<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-26600 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/menton-seaside-view-with-houses-sailboats-and-a-lighthouse.webp\" alt=\"Image of Menton Seaside View With Houses, Sailboats, And A Lighthouse with text overlay of &quot;Top Private Health Insurance Providers for Australian Expats in France&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/menton-seaside-view-with-houses-sailboats-and-a-lighthouse.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/menton-seaside-view-with-houses-sailboats-and-a-lighthouse-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/menton-seaside-view-with-houses-sailboats-and-a-lighthouse-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/menton-seaside-view-with-houses-sailboats-and-a-lighthouse-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/menton-seaside-view-with-houses-sailboats-and-a-lighthouse-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">At Pacific Prime, we work with some of the world\u2019s <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-france-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">leading international insurers<\/span><\/a><span style=\"font-weight: 400;\"> to provide flexible, high-quality health insurance solutions for Australians living in France.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Trusted by expats worldwide, providers such as <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA International<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa Global<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna Global<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/a><span style=\"font-weight: 400;\"> offer comprehensive coverage options designed to suit different lifestyles, budgets, and healthcare needs so you can enjoy life in France with confidence and peace of mind.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. AXA International\u00a0<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-axa\/\"><span style=\"font-weight: 400;\">AXA International<\/span><\/a><span style=\"font-weight: 400;\"> is a reputable name in global health insurance and proudly originates from France, known for its extensive medical network, flexible coverage options, and strong support for expats living in France and around the world.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The French company offers five tiers of international health insurance plans: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are the annual plan limits converted from USD. All figures are approximate.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Foundation Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac139,200<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $246,400<\/b><span style=\"font-weight: 400;\">). Covers essential inpatient treatment, emergency evacuation and repatriation, cancer treatment, ambulance transport, advanced imaging (CT\/PET\/MRI), and surgeries. Outpatient options are available as add-ons.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Standard Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac1,392,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $2,464,000<\/b><span style=\"font-weight: 400;\">). Includes Foundation benefits plus dental cover.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comprehensive Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac2,088,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $3,696,000<\/b><span style=\"font-weight: 400;\">). Adds outpatient care, vaccinations, chronic condition cover, and optical benefits (eye exams, prescription glasses).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prestige Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac2,784,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $4,928,000<\/b><span style=\"font-weight: 400;\">). Adds maternity cover and annual health checks to the Comprehensive Plan benefits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prestige Plus Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac6,960,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $12,320,000<\/b><span style=\"font-weight: 400;\">). The top-tier option with the fullest coverage set from Prestige available worldwide.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">AXA features 24\/7 support, virtual doctor services, and generally fast claim turnarounds. You can also choose to exclude U.S. coverage to reduce premiums if you\u2019ll be based in France.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Bupa Global<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/bupa\/\"><span style=\"font-weight: 400;\">Bupa Global<\/span><\/a><span style=\"font-weight: 400;\"> is known for its high-quality international health insurance designed for expats, families, and professionals. With a strong global reputation, this British insurance company offers four main tiers of international health coverage: Major Medical, Select, Premier, and Elite.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are the annual plan limits converted from GBP. All figures are approximate.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Major Medical Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac2,850,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $5,075,000<\/b><span style=\"font-weight: 400;\">). Focuses on essential and emergency medical cover, including medical evacuation and repatriation. This plan does not include wellness or routine checkups.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Select Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac1,425,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $2,540,000<\/b><span style=\"font-weight: 400;\">). The plan includes health screenings and wellness exams, which are available after a 10-month waiting period. Maternity, dental, and optical benefits are not included.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Premier Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac2,137,500<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $3,810,000<\/b><span style=\"font-weight: 400;\">). Expands coverage to include vaccinations, dental and vision care, and wellness exams after a waiting period. Includes medical evacuation but not repatriation.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Elite Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac4,275,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $7,620,000<\/b><span style=\"font-weight: 400;\">). The most comprehensive plan, covering medical evacuation and repatriation, routine maternity care, complementary therapies, and dental and optical care (after a 10-month waiting period).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">All Bupa Global plans come with 24\/7 multilingual assistance, a digital claims management portal, and access to a worldwide network of healthcare providers. Members have the freedom to choose their doctor or hospital within their coverage area for peace of mind while living in France.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-32' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_3.jpg\" alt=\"Blog Banner Europe 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Allianz Care<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz Care<\/span><\/a><span style=\"font-weight: 400;\"> is one of the most globally recognized health insurance providers, known for its wide medical network, efficient claims processing, and flexible plans for expats. Allianz offers three main international health insurance tiers: Care Base, Care Enhanced, and Care Signature.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are the annual plan limits converted from USD. All figures are approximate.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Care Base Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <b>\u20ac1,000,000<\/b> (~<b>AUD $1,782,880<\/b>)<\/span><span style=\"font-weight: 400;\">. Provides comprehensive inpatient and day-care coverage, including private hospital rooms, oncology treatments, emergency outpatient care, medical evacuation, rehabilitation, and home nursing.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Care Enhanced Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <b>\u20ac2,000,000<\/b> (~<b>AUD $3,565,540<\/b>)<\/span><span style=\"font-weight: 400;\">. Includes all benefits of the standard Allianz Care Plan, plus emergency dental treatment and routine maternity coverage.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Care Signature Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac4,350,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $7,700,000<\/b><span style=\"font-weight: 400;\">). The top-tier option offers all Plus Plan benefits along with coverage for preventative surgery and laser eye treatment for more comprehensive protection.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Allianz Care members have access to a global network of over 1.9 million medical providers, fast claim turnaround times often within 48 hours, 24\/7 multilingual support, and digital health tools for managing care worldwide. Members can also choose to exclude U.S. coverage to reduce premiums.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. Cigna Global<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/insurer-cigna\/\"><span style=\"font-weight: 400;\">Cigna Global<\/span><\/a><span style=\"font-weight: 400;\"> is a trusted name in international health insurance, known for its flexible global coverage and strong support network for expats. Cigna offers three main plan tiers: Silver, Gold, and Platinum, each providing worldwide coverage, with the option to exclude the U.S. to lower premiums.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are the annual plan limits converted from USD. All figures are approximate.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Silver Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac870,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $1,540,000<\/b><span style=\"font-weight: 400;\">). Provides full coverage for inpatient and day-patient care, private room accommodation, cancer treatment, and mental and behavioral health coverage up to <\/span><b>\u20ac4,350<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $7,700<\/b><span style=\"font-weight: 400;\">). Routine maternity care is not included under this plan.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gold Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>\u20ac1,740,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $3,080,000<\/b><span style=\"font-weight: 400;\">). Expands benefits with higher limits for emergency care, advanced imaging (CT, MRI, and PET scans), rehabilitation, home nursing, and palliative care. Routine maternity care is included, with coverage up to <\/span><b>\u20ac6,090<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $10,800<\/b><span style=\"font-weight: 400;\">).<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Platinum Plan<\/b><span style=\"font-weight: 400;\">: Annual plan limit: <\/span><b>Unlimited<\/b><span style=\"font-weight: 400;\">. Includes all Gold Plan benefits plus hospital accommodation for a parent or guardian, transplant services, acupuncture and traditional Chinese medicine, and better palliative care. Routine maternity coverage is upgraded to <\/span><b>\u20ac12,180<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $21,600<\/b><span style=\"font-weight: 400;\">).<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Cigna Global members enjoy 24\/7 multilingual customer support, access to a worldwide direct billing network, and flexible benefit customization options. This makes Cigna one of the most versatile and reliable choices for Australian expats living in France.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-33' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Europe_4.jpg\" alt=\"Blog Banner Europe 4\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">5. IMG Global<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/img\/\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/a><span style=\"font-weight: 400;\"> is a respected international health insurance provider offering flexible, comprehensive coverage designed for expats and their families. Known for excellent global support and a wide medical network, IMG Global provides four plan tiers: Bronze, Silver, Gold, and Platinum.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Below are the annual plan limits converted from USD. All figures are approximate.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bronze Plan<\/b><span style=\"font-weight: 400;\">: Lifetime limit: <\/span><b>\u20ac870,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $1,540,000<\/b><span style=\"font-weight: 400;\">) per individual. Provides essential protection, including inpatient surgeries, outpatient care, physical therapy, prescription drugs, emergency ambulance services, and medical evacuation.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Silver Plan<\/b><span style=\"font-weight: 400;\">: Lifetime limit: <\/span><b>\u20ac4,350,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $7,700,000<\/b><span style=\"font-weight: 400;\">) per individual. Expands benefit limits across most categories, making it ideal for expats wanting broader protection without higher premiums.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gold Plan<\/b><span style=\"font-weight: 400;\">: Lifetime limit: <\/span><b>\u20ac4,350,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $7,700,000<\/b><span style=\"font-weight: 400;\">) per individual. Offers comprehensive inpatient and outpatient benefits, higher limits for medical services, and lifetime coverage for emergency evacuation.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Platinum Plan<\/b><span style=\"font-weight: 400;\">: Lifetime limit: <\/span><b>\u20ac6,960,000<\/b><span style=\"font-weight: 400;\"> (~<\/span><b>AUD $12,300,000<\/b><span style=\"font-weight: 400;\">) per individual. The most complete tier, covering maternity and newborn care (after a 10-month waiting period), congenital condition coverage, and newborn wellness benefits unavailable in lower tiers.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">IMG Global members enjoy 24\/7 international support, direct billing at hospitals worldwide, and customizable coverage regions. This makes IMG Global a top choice for Australian expats in France seeking reliable, flexible international health insurance with global reach.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Protecting Your Health and Peace of Mind in France<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you\u2019re an Australian expat moving to France, having the right health insurance is more than just a requirement for your visa. It\u2019s what lets you properly settle in and enjoy life abroad with peace of mind.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By choosing a plan that fits your lifestyle and medical needs, you can rest assured that you\u2019re covered for everything from routine checkups to unexpected emergencies. That way, you can focus on what really matters: exploring your new home and making the most of your time in France.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With more than 25 years of global experience, <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/europe\/france-health-insurance\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> helps Australians find the right health insurance for their life in France. Whether you\u2019re moving for work, study, or retirement, our expert advisors can help you compare top insurers and find a plan that suits your budget and goals.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Get in touch with us today<\/span><\/a><span style=\"font-weight: 400;\"> for a <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">free, no-obligation quote<\/span><\/a><span style=\"font-weight: 400;\">, and take the first step toward a healthier, worry-free life in France.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Can I use my Australian Medicare coverage when living in France?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There is no reciprocal healthcare agreement between Australia and France. That means Australian Medicare won\u2019t cover you for medical or hospital services in France. You\u2019ll need either to register with the French public system (after eligibility) or purchase private\/international health insurance.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How long do I have to wait before I can join the French public health system (PUMa)?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you hold a long-stay visa or French residency permit and live in France legally, you\u2019ll typically become eligible for the public system called Protection Universelle Maladie (PUMa) after about three months of continuous residence and once your file is accepted by your local CPAM.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I still need private health insurance if I\u2019m covered by the French public system?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many Australian expats choose to maintain supplementary private insurance (mutuelle) even after joining the public system. While PUMa reimburses around 70% of standard costs, it often leaves gaps such as dental, optical, specialist services, and private hospital rooms.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A private health insurance plan helps bridge these gaps and gives more comfort and flexibility.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For Australian expats living in France, AXA International, Bupa Global, Cigna Global, Allianz Care, and IMG Global are some of the most reliable health insurance companies. These companies are known for providing full coverage and personalized help to people who live and work abroad. Are you an Australian who wants to move to France? If &#8230;<\/p>\n","protected":false},"author":94,"featured_media":26595,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-26592","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Health Insurance for Australian Expats in France<\/title>\n<meta name=\"description\" content=\"This guide will teach Australian expats how to navigate health insurance in France, including public vs. private coverage, legal requirements, and top providers.\" \/>\n<meta name=\"robots\" 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Triemthana\",\"description\":\"Napasrapi Triemthana, best known by his nickname \u201cTawan,\u201d is an upcoming content creator at Pacific Prime Thailand. He is a fresh graduate in English from the Faculty of Arts, Chulalongkorn University, where he developed knowledge in literature and culture, while also building up experience writing both academically and professionally compelling essays and articles. Before joining Pacific Prime\u2019s content team, Tawan had been in an internship at a top e-commerce company in Thailand, during which he had a chance to write blog posts and short articles for the company\u2019s website and social media. During college, Tawan also worked part-time as a Thai-English translator and proofreader for the Faculty of Dentistry, Chulalongkorn University\u2019s academic journals. With his keen interest in journalism, especially in the healthcare and wellness field, Tawan joins Pacific Prime with the goal of creating content that simplifies health insurance solutions, helping people make informed choices and choose the best options for their needs. 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