What is an expatriate insurance for?

Going to live and work abroad has consequences for the healthcare system. Indeed, in the case of an expatriation, the rights to the mandatory system of the country of origin (Primary Health Insurance Fund for French employees for example) cease.

The expatriate has, according to his country of destination, three ways to protect himself for his health care :

  • It depends on a social regime reserved for expatriates from his country of origin: this is the case of the CFE - the “Caisse des Français de l'Etranger” - which plays the role of Social Security for expatriates outside France. He must then take out an additional health supplement that will complement his repayments, the same way he was contributing (directly or via his employer) to a mutual when he was in France.
  • He is dependent on a local social security scheme, to which he contributes via his employer abroad. In this case, he must also subscribe (individually or through his company) a complementary health insurance for care that would not be fully covered by the compulsory scheme of his new country of residence
  • The expatriate does not have a social security system - local or for expatriates - he ensures with protection "the first euro" which covers overall for the health costs he has incurred.