What is international health insurance on the 1st euro?

THE Insurance in the 1st euro are insurance specially designed for French expatriates looking for international health coverage.

This travel insurance Corporates health costs from the first euro spent, which allows you to be 100 % covered and without deductible. It is therefore distinguished from a complementary health insurance, which reimburses the insured in addition to another public or private insurance.

Both simple and flexible, it is the most appreciated and widespread health insurance solution in expatriates. Especially since the offers are largely customizable, with different levels of medical coverage adapting to all needs and all situations.

The choice of a Health insurance in the first euro Depends in particular on the destination, each country having its specificities: operation of the local health insurance system, quality of on -site care, etc. The duration of the stay must also be taken into account, as well as the characteristics of the expatriate: age, state of health, professional situation, activities carried out abroad, etc.

Why take out expatriate health insurance on the 1st euro?

Being covered by insurance on the 1st euro offers many advantages in the event of a trip abroad.

Flexible insurance

Expatriate insurance in the 1st euro is distinguished by the flexibility offered to the insured. Indeed, it is possible to Personalize the guarantees Depending on the country of destination, the length of the stay and the needs of the expatriate.

Thus, a person who goes to Argentina to climb the aconcagua does not have the same needs as a surfer wishing to spend a stay in Mar del Plata. For the first, the insurance contract must take into account the specific risks linked to mountaineering. For the second, coverage for surfing is necessary.

Health insurance on the 1st euro also includes guarantees that come out of the medical field, such as assistance for loss or theft of luggage, or legal aid in the event of a problem.

In all cases, this type of contract generally offers the following basic guarantees:

  • Hospitalization : Hospital room, intensive care and surgical interventions, blood analysis, radiology, etc.
  • Current medicine : Consultation of general practitioners and specialists, prescription of drugs, nursing, etc.
  • Liability : bodily injury, material damage, legal assistance, etc.

An interesting value for money

1st euro health insurance is an interesting alternative to Caisse des Français abroad (CFE)because the amount of contributions is generally lower.

In addition, the reimbursements covered have a higher amount and they do not depend on the scales set by Social Security.

The 1st euro health insurance therefore allows you to be reimbursed taking into account the real costs incurred, with a very good value for money.

What is the Caisse des Français from abroad (CFE)?

The Caisse des Français abroad (CFE) is a social security organization which offers basic protection to all French people installed abroad, whether expatriate employees, self-employed, people without professional activity, students or retirees. It covers three main risks:

  • Health insurance – MATERNITY – INVOLITYwith different options: daily allowances and death capital, stays in France from 3 to 6 consecutive months.
  • Labor accident insurance and occupational diseaseswith an option for expatriation trips.
  • Old age insurance for basic retirement.

A dedicated interlocutor

With a expatriate insurancethe insured has a single contact to manage his contract and carry out all his steps. The exchanges are made entirely in French, which simplifies the requests for reimbursement and allows the expatriate to obtain clear and precise answers to each of his questions.

Often, he has a telephone assistance service or a mobile application, allowing him to join an advisor in just a few minutes.

Real comfort, since the insured does not have to know the operating mode of the local health system. In addition, being able to communicate with a French -speaking interlocutor is reassuring, especially if the traveler does not master the language of the host country.

A network of local practitioners

Companies that offer 1st euro health insurance generally have partnerships with care networks located in each destination country.

For the insured, this is reflected in:

  • Advantageous prices.
  • An exemption from advancing hospital costs.
  • Medical management in a recognized structure.
  • Support by French -speaking practitioners.

Real international expertise

Companies offering Insurance offers on the 1st euro make their customers benefit from their international expertise. Knowing each country and its specificities perfectly, insurers are able to manage any type of problem or emergency.

Consequently, the insured receives optimal medical management, including for example repatriation or transfer to an establishment with high quality medical infrastructure.