What is cover from the 1st Euro?

A first Euro contract offers full coverage without the need for supplementary insurance and with no deductible. You are therefore covered from the first Euro spent. Compared with the French health system, a 1st Euro contract is equivalent to Social Security health cover plus supplementary health insurance.

What is the Caisse des Français de l’Étranger (CFE)?

This is a private fund offering a social security cover system for French expatriates throughout the world. It allows French nationals to continue to benefit from the same Social Security as in France. To be well reimbursed, in particular in countries where health costs are high, it is recommended to opt for international health insurance in addition to the CFE.

How does international insurance work in addition to the Caisse des Français de l’Étranger (CFE)?

To supplement the cover provided by the Caisse des Français de l’Étranger, you can take out private health insurance, the equivalent of supplementary health insurance. This private insurance will reimburse you on its own behalf and that of the CFE. You will thus receive a single reimbursement, including both the CFE and the additional part.

What are the Social Security limits in the event of a stay abroad?

French Social Security offers insufficient protection abroad:

  • the cover is only valid for 3 months, except in certain very specific cases (a secondment by the employer, for example)

  • long reimbursement periods

  • in the event of hospitalisation, you advance the costs

  • the amount of reimbursements is calculated on the basis of the rates charged in France, although the cost of care is very high in some countries

  • no repatriation assistance is offered

  • care provided in the private sector is not covered 
What are the limits of the guarantees linked to my bank card in the event of a stay abroad?

The cover offered for bank cards only applies for stays of up to 3 months. With a "basic" bank card, there is a minimum deductible of €50 per act with an overall reimbursement ceiling of €11,000. In some countries such as the United States, this ceiling will often prove to be very insufficient in the event of hospitalisation.

What are the insurance requirements for obtaining a Schengen visa?

To obtain a Schengen visa, insurance is compulsory. It must include at least:

  • coverage of medical expenses with a minimum ceiling of €30,000

  • repatriation assistance

What is the Working Holiday Programme (WHP)?

The WHP allows French nationals under the age of 35 to stay for up to 12 months (24 months for Canada) in 13 countries around the world. With a Working Holiday Visa, it is possible to visit the country while being allowed to work there. For some destinations, international insurance is required. This is particularly the case in Canada, where health and repatriation insurance is mandatory for the duration of the WHP.

All the information you need for travelling or living abroad