International Health Insurance for Expats in France

Although France’s healthcare system is well regarded as a universal system that provides comprehensive coverage for its citizens, expatriates are strongly recommended to secure private health insurance to make the most of specialized treatments and shorter wait times.

This Pacific Prime guide provides information on the French public and private health insurance system, how expats can access the best healthcare, and outlines the key health insurance options available for expats in France.

Recommended International Health Insurance Plans for Expatriates Living in France

France Public and Private Healthcare

France has a well-regarded universal healthcare system that combines public and private elements. Managed by the government and funded through payroll taxes, the system covers about 70% of medical costs, while patients cover the rest through co-pays or supplemental insurance, called "mutuelle."

Public Healthcare in France

French public hospitals are government-funded and offer general and emergency services, and patients have the flexibility to choose their providers. However, wait times and doctor availability can vary, particularly in rural areas.

Some major public hospitals include:

• Hôpital Cochin in Paris: Known for general and emergency care, especially popular for its maternity services.
• Hôpital Européen Georges-Pompidou: Recognized for cutting-edge cardiac care and research.
• Hôpital Saint-Louis: One of the oldest hospitals in Paris, specializing in oncology and dermatology.
• Hôpital de la Timone in Marseille: A large university hospital offering a range of specialized services.

Private Healthcare in France

Private healthcare facilities in France are available to individuals seeking specialized or elective care with shorter wait times. Private clinics often attract international patients due to higher standards of patient amenities and flexibility in scheduling.

Some renowned private hospitals include:

• American Hospital of Paris: Known for English-speaking staff and comprehensive, high-quality care aimed at expats.
• Clinique de la Muette: A Paris-based private clinic popular for maternity care.
• Hôpital Privé Claude Galien: Located near Paris, it offers a wide range of specialties and has advanced diagnostic technology.

Pharmacies in France

There are over 22,000 pharmacies in France, and they are usually open between 9 am and 8 pm, Monday to Saturday. In order to obtain prescription medicine from a pharmacy, patients will need to bring with them a prescription from their GP or specialist.

While prescription medication generally costs less in France than in many other European countries, in most cases the national health system only covers a fraction of its costs. If you have complimentary private health insurance, this may take care of the remainder amount.

Dental Services in France

France has a high standard of dental care, and treatment charges tend to be very affordable and in line with the rates set by the government. For instance, the official rate for a dental consultation is EUR €23 or USD $24.65, which is reimbursed at the rate of 70% by the national health system.

Unless your dentist has direct billing arrangements with your insurer, you will need to pay for your dental treatment first and then claim the reimbursed amount later. Specialist services like orthodontics, as well as cosmetic services like teeth whitening, are not covered by the state system.

Health Insurance Options for Expats in France

Most expats are eligible to apply for state health insurance, which affords them access to the French healthcare system. It is important to note that health insurance coverage in France is required by law.

Additionally, individuals who are not covered by state health insurance, as well as those looking to increase their health coverage, should consider securing private health insurance.

Statutory Health Insurance in France

All residents, including foreign workers who plan to stay long-term in France, are eligible for state medical insurance. Since January 2016, statutory health insurance has been universally granted under the PUMA (protection universelle maladie) law.

Listed below are key details about France’s Statutory Health Insurance:

• Eligibility: All long-term residents, including foreign workers, can access state health insurance in France under the PUMA law (2016). Foreigners must have lived in France for at least three months and plan to stay at least six months per year.
• Universal Coverage: Since 2000, France has provided universal healthcare, but the PUMA reform ensures continuity of coverage regardless of changes in employment or personal circumstances.
• Registration: To register, visit a local CPAM office with documents like ID, proof of residency, address, family records, insurer declaration, and income proof. Employers often manage registration for employees.
• Coverage: Statutory health insurance covers most healthcare services, including inpatient and outpatient care, maternity and basic dental care, Prescriptions, medical transport, and home care; mental health; and some long-term care (partially covered)
• Out-of-Pocket Costs: Patients often pay an excess fee, either directly or through additional private insurance. New residents may need private coverage during the initial three-month waiting period before state insurance begins.

Private Health Insurance for Expats in France

Even though universal health coverage does not cover 100% of medical treatment costs, many expats will consider taking out a private health insurance plan in France to protect against additional fees and provide access to a wider range of services with comprehensive benefits.

Here are the main points to consider about private health insurance for expats in France:

• Supplementary Coverage: While France’s public health insurance covers most healthcare costs, private insurance (mutuelle) helps with out-of-pocket expenses and additional services, such as dental, optical, and alternative therapies​.
• Employer-Sponsored Plans: Since 2016, companies must offer top-up health coverage (mutuelle collective) for employees, covering at least 50% of the premium. However, they are not obligated to cover family members​.
• Coverage for Self-Employed and Others: Those who are self-employed, students or job seekers can either join a family member's mutuelle (if eligible) or purchase their own private insurance​.
• International Coverage: If you travel frequently or need coverage outside of France, consider international private health insurance for global healthcare access, including features like medical evacuation​.

International Health Insurance Plans for Expats in France

International insurance providers like Cigna, AXA, Allianz, April International, Bupa Global, and others offer a wide range of coverage options for expatriates in France. Below, we will discuss each provider and provide a summary of the features offered by each plan.

Cigna Global Insurance Plan

Cigna offers global health plans with different tiers (Silver, Gold, and Platinum) that cover services such as hospitalization, inpatient and day patient treatments, emergency evacuation, and preventive care. This flexibility makes Cigna a preferred option for those needing adaptable coverage.

Some examples of shared coverage by all Cigna insurance plans include:

AXA

AXA Global health insurance provides various levels of customizable coverage, including options for hospitalization, outpatient treatments, emergency care, and medical evacuation. AXA’s plans are popular among expats for their flexibility, with coverage for a wide range of health services across multiple levels.

Some examples of shared coverage by all AXA insurance plans include:

Allianz

Allianz offers international insurance plans that can cover hospitalization, surgeries, diagnostics, and outpatient care. Expats in France can add riders for dental and optical services to any basic plan, providing a tailored insurance experience that accommodates different health needs.

Some of the basic coverage for their plans includes:

April International

April International specializes in health insurance tailored to expats, offering plans that cover hospitalization, outpatient services, dental, and maternity. Known for user-friendly mobile claims and support, April International also has a 24/7 telemedicine service and a vast direct billing network.

Some of the shared coverage across their plans are:

Factors to Consider When Choosing Health Insurance in France

When selecting health insurance as an expat in France, it's essential to consider specific factors to ensure comprehensive coverage and manageable costs. Here are key points to guide your decision:

• Comprehensive Coverage: Look for plans that cover essential needs like inpatient, outpatient, and emergency services. Coverage for dental, vision, and maternity can also be advantageous depending on personal needs, as these are not always fully covered by France's public system​.
• Pre-existing Conditions: Policies vary widely in handling pre-existing conditions. Some insurers offer a waiting period or may adjust premiums for conditions covered after a set timeframe. Not all pre-existing conditions qualify, so checking the specifics with potential insurers is crucial​.
• Complementary Insurance (Mutuelle): Although the French healthcare system, Assurance Maladie, covers a significant portion of medical expenses, it often does not fully reimburse for specialized treatments or certain high-cost services.
• International Coverage: For expats frequently traveling or visiting other countries, selecting an international plan that includes worldwide coverage is beneficial. This type of plan ensures you receive quality care outside France and may also include emergency evacuation and repatriation services​.
• Benefit Limits and Cost-sharing: Plans often include cost-sharing through co-pays, deductibles, or benefit limits. It's wise to evaluate these limits, as they can affect your financial responsibilities, especially in emergencies.
• Claims and Support Services: Opt for insurers that offer a streamlined claims process and support services in your preferred language. Some international providers offer direct billing, while others require upfront payments with reimbursement later.

Health and Safety Tips for Expats and Travellers in France

For expats and travelers in France, it’s important to practice food safety and road caution and know about areas where healthcare and public assistance are available. This will help ensure that your travels are safe, especially as you venture into the outskirts of France.

For expats and travelers in France, here are essential health and safety tips to ensure a secure and enjoyable experience:

• Emergency Contacts: Dial 112 for emergencies or 15 for ambulance services.
• Healthcare Access: France has a high-quality healthcare system. Expats should register for a Carte Vitale for access to public health services or have private insurance if needed.
• Vaccinations: Ensure your routine vaccinations are up to date, especially for tetanus, hepatitis, and measles.
• Food and Water: Tap water is generally safe to drink, and food quality is high. However, consider bottled water in rural areas and avoid eating raw or undercooked food in unfamiliar places.
• Pharmacies: Recognizable by the green cross, drug stores provide many over-the-counter medications and healthcare advice.
• Pickpockets and Scams: Be cautious, especially in crowded tourist areas in cities like Paris. Avoid keeping valuables in easily accessible places and stay alert to distractions or offers of help from strangers, as these can be ruses for theft​.
• Public Transportation: Generally reliable and safe, but validate tickets to avoid fines and be cautious of pickpockets in metro stations and on crowded trains.
• Protests and Strikes: Strikes and demonstrations are common and can disrupt public transport. Monitor local news and avoid protest areas for safety​.
• Driving: Roads are well-maintained, but remember to carry an international driving permit if applicable. Avoid driving during winter in mountainous areas if inexperienced with icy roads.
• Beach and Mountain Safety: Observe flags at beaches, especially during winter when the waters are rougher. In the Alps, stay updated on weather conditions, avoid going off marked trails, and prepare for sudden weather changes​.
• Terrorism Awareness: Although France has strong security, remain vigilant in high-profile locations and follow local authorities’ advice on safety​.
• Identification: Always carry valid identification, such as a passport, as it is required by law to prove your identity if asked by authorities.
• Local Laws: Avoid covering your face in public spaces, and note that drug use carries strict penalties. For local food items, follow EU regulations on import restrictions​.

Frequently Asked Questions

Do expats need private health insurance in France if they are enrolled in the public system?

While France's public health insurance covers around 70% of most healthcare costs, it does not cover everything. Private insurance provides coverage during the initial waiting period before PUMA eligibility kicks in, which is generally six months after residency is established.

How do expats register for public health insurance in France?

Expats can register for France's public healthcare system by visiting a local CPAM office. You'll need to bring documentation such as proof of residency, identification, and financial information to establish your eligibility.

Are private health insurance plans in France also valid outside the country?

Typically, French private health insurance plans do not cover healthcare outside of France. Expats who travel frequently or require international coverage should consider international health insurance options, which can cover medical costs globally.

Conclusion

Pacific Prime can assist with the process of choosing and contrasting various plans if you intend to relocate to France shortly or if you have already made your home and need to get high-quality health insurance coverage for you and your family.

Pacific Prime's brokers have more than twenty years of expertise in finding health insurance plans for expatriates living overseas, so they know just what to look for.

Contact us today for more information or compare quotes using our online quotation system!