Expatriates, whether students, employees, free-lance workers, retired people or globe-trotters, unlike people on temporary assignment abroad, are not eligible for healthcare and death & disability coverage provided by the French Social Security system. In certain cases, they are required to contribute to local social security basic schemes which do not reimburse healthcare expenses at the same rate, nor provide the same level of coverage on occasional trips to France.
Expatriates should be aware that healthcare costs vary greatly from one country to another, and can far exceed costs covered by French complementary insurance plans ("mutuelle"). For example, a visit to a general practitioner in the USA costs on average €90. Daily hospital fees in Switzerland can reach €2,500 as opposed to €1,000 in France.
An expatriate who enrolls in a local insurance plan runs the risk of:
An employee who has signed an employment contract with a company whose head office is in France, and who is sent on assignment abroad, is considered by the French Social Security system as a détaché, or employee on assignment.
The length of assignment is limited to a period between six months and five years according to French Social Security agreements. Both the détaché and their employer continue to contribute to the French Social Security system to ensure that the employee receives continuous coverage against all risks. In order for the employee to receive reimbursements, an agreement must be signed between the country of assignment and France (cf. www.cleiss.fr).
Détaché status is by no means obligatory; it is for the company to choose or refuse. An employee is a détaché when their employer decides that the French Social Security legislation will continue to apply throughout the employee’s temporary professional assignment abroad.
An employee is considered an expatriate by the French Social Security under the following circumstances: they have signed a contract that falls under foreign legislation; they have been directly recruited by a foreign company or by a foreign subsidiary; their assignment exceeds five years; they obtain expat status in a country that has not signed an agreement with France; they are going abroad for personal reasons (business, vacation, study, Working Holiday Visa, etc.).
In order to maintain the same level of coverage provided by the French Social Security in the country of expatriation and during trips to France and abroad, expatriates have two options:
Enrollment with the CFE is a personal choice and must be decided on an individual basis. CFE contribution rates are determined according to the expatriate’s particular circumstances: age, income, professional status. The biggest advantage of CFE coverage is that the individual remains linked to the French system and benefits from uninterrupted coverage upon return to France.
Comprehensive coverage as of the first Euro is a better option for you if you do not wish to maintain the link with French Social Security. In some cases, the first Euro option has proved less cumbersome, but the choice remains an individual one and it may be necessary to compare rates.
The medical assistance coverage included with French credit cards is only valid for the first three months of a stay abroad. Ongoing treatment or treatment following an accident that occurs during this time are not covered beyond this initial period and may not be covered by insurance purchased after the fact.
Moreover, insurance provided by credit cards may have deductibles or consist solely of cash advances.
In order to leave in perfect peace of mind, we recommend you sort out several health matters first: update vaccinations, have a dental exam (very important), and if need be, get a medical check-up and ask your doctor for a medical certificate. This will enable you to practice all sorts of sports worry-free (scuba diving, for example).
We also recommend that you leave your insurance policy number and contact details of the insurance company with a family member or friend, as well as your address abroad and a number where you can be reached.
We have forged partnerships with major players in insurance such as AXA and LE GAN, and work closely with assistance companies renowned for their experience and expertise such as Europ Assistance.
We are also the number-one partner for complementary coverage to the Caisse des Français de l’Etranger (CFE). All policies and reimbursement procedures are handled swiftly and efficiently from one centralized office.
With over 15 years of experience in providing individual healthcare insurance for expatriates, ASFE goes to great lengths to make life easier for its members. ASFE means:
There might be many causes for disputes in ordinary lifehellip; The legal protection insurance provides you with the legal and financial resources you require in order to inform, assist and defend you to assert and exercise your rights. You will find more information on this type of coverage in our information guides.
In France, third-party liability insurance is usually included in our home insurance plan. Expatriates may not realize, however, that this insurance is not valid abroad. This can be a problem in countries where people are prone to press charges. Third-party liability insurance alone that covers the entire world is costly and prices vary widely from country to country. That is why it is automatically included in most ASFE packages. You will find more information on this type of coverage in our information guides.
It may sometimes be necessary to seek medical treatment in a neighboring country with medical facilities that are better equipped to administer quality care. That is why it is important to be covered by a plan that includes medical evacuation and repatriation. This type of coverage has considerable advantages not to be underestimated in certain circumstances, such as travel expenses for the expatriate to visit a hospitalized relative, or in the event of a death, or for a relative to visit the expatriate in case they are alone and hospitalized for over five days. You will find more information on this type of coverage in our information guides.
Because we know that an accident or sickness can entail much more than just medical fees, we recommend death and disability coverage as well. This guarantees maintenance of your lifestyle in case of work disability or sick leave, and avoids financial distress for your family in case of death. This coverage is included in our comprehensive packages and available à la carte according to the level of coverage chosen.
You can do the following on our fully secure website:
Coverage limits depend on the type of coverage.
It depends on the policy, but in general the following is not covered:
Healthcare coverage does not apply to the practice of certain extreme sports such as airborne sports, combat sport and high mountain climbing.
In our Junior'Expat plan, extreme sports other than those listed above, are not excluded from coverage if they are not practiced in a Sports Association, Club or during competitions or championships.
If you practice one or more of these sports, we recommend you do so as a member of a Sports Association or Club. Licensed practice is usually covered in case of an accident.
Healthcare costs vary from one country to another. To offer you the best quality/price ratio wherever you are, we organize our products and services according to three geographic zones.
Yes, luggage insurance is automatically included in our Junior’Expat plan and is effective throughout the entire duration of the policy, and not only during the travel to/from your country of expatriation.
However, our other plans do not provide for such insurance. Therefore loss or theft of luggage is not covered.
Any person of legal age, regardless of their professional status, who is looking for health insurance for themselves or their family while abroad. Please note that enrollment age limit varies according to policy (let us help you online!).
You can enroll in coverage at the earliest two months before departure for the country of expatriation, and at the latest two days before.
We recommend that you enroll as soon as possible, to ensure that coverage begins when you want it to, and that you have all the necessary documents in hand before you leave.
Please note that coverage is not retroactive, that is, with a start date that precedes the date your file was actually received.
ASFE coverage starts at the earliest the day after your enrollment request - including on-line enrollment - is received, on the condition that your medical questionnaire is approved, all original documents submitted and payment settled.
Coverage then starts immediately. However, there may be a waiting period if you were not previously covered by a similar plan (see question re: waiting periods). In any case, you are covered as of the first day after validation of your enrollment in case of hospitalization following an accident or unforeseen illness.
Coverage goes into effect at the earliest the day after your policy is approved and validated or at a later date (on condition that any additional information requested after review of your medical questionnaire is provided). However, a qualifying or waiting period may apply to certain treatment (according to your plan’s conditions) if you were not previously covered under a similar insurance plan. The waiting period is:
All policies remain in effect for a minimum of six months. Uncommitted Junior'Expat can be purchased for a minimum of 3 months.
Important: Important: the minimum policy term does not apply to Junior’Expat plan which can be purchased for 3 months only.
Enrollment in ASFE is easy.
By internet: at www.asfe-expat.com.
By mail: send in the following:
Yes. Your ASFE coverage is valid for all your healthcare needs during trips to France and other countries within the same geographic zone as your country of expatriation, and in an emergency on short-term trips to countries outside your geographic zone.
Important: this does not apply to Junior'Expat.
Upon enrollment, you will receive a personal insurance ID card with all the contact details of our four claims departments. You can reach us 24 hours a day, 7 days a week. Our teams speak more than 30 languages, including French, English and Spanish. You can also log in to our secure website, under "Participants' Pages", to review reimbursement procedures, fill out a claim form, view the status of a claim, or obtain hospital precertification agreement.
Upon enrollment with ASFE, you will have access to the "Participants' Pages" of our secure website where you will find a database of recommended doctors and health facilities, their contact details, languages spoken and available services, country by country or by specialty. Our regional headquarters can also provide you with this information.
Upon enrollment, you will receive a personal insurance ID card with all the contact details of your claims department. You or hospital personnel can contact us from anywhere in the world for hospital precertification. We strongly recommend you keep this card on you at all times and present it upon arrival in a hospital.
Yes, your dependents are entitled to the same coverage as you, unless otherwise specified by our consulting physician upon enrollment.
No. We can process claims in any language and deal with healthcare expenses in over 150 currencies. We use the exchange rate published by Natixis the last day of the month prior to the date healthcare was administered to calculate reimbursements.
No. The duration of coverage specified in each plan must be respected. If you are not sure how long you will be abroad, we recommend enrolling for three months with the option to renew for three or six months upon written request sent by e-mail to our enrollment department up to 15 days prior to policy expiry.
To the extent that it is possible, you must inform ASFE of the change in country of expatriation at least one month prior to your move. Once ASFE is aware of the change, you can proceed with any changes to your coverage to better meet your needs in the new country. Any modifications will go into effect the first day of the calendar month following your request. If a rate increase applies, you must fill out a new enrollment form. Please note that the insurer has the right to refuse rate increases, accept them within certain limits, or impose additional premiums.
Important: this provision does not apply to Junior'Expat plans.
If your family situation changes (marriage, birth, divorce, death of spouse), you must notify ASFE within 30 days and provide official papers (marriage, birth, divorce or death certificate), so that these changes can be incorporated into your policy.
There might be many causes for disputes in ordinary life…even if these litigations may not always be serious, they often disturb your peace of mind and ruin your everyday life.
ASFE legal protection insurance provides you 24/7 with all necessary legal and financial means to get information about French law, obtain assistance and defend yourself to assert your claims.
|In case of legal assistance and protection needed abroad|
|Legal and tax information||V|
|Advance and coverage of legal fees incurred abroad (up to two claims per year and €5,000 per claim)||Up to €10,000 per year|
|Advance of bail bonds in the event of legal proceedings||€16,000|
|Assistance in the event of loss, theft or destruction of means of payment||V|
|Transmission of urgent messages||V|
|Accompanying children under 6 or dependent persons traveling alone||V|
|Assistance and advance of funds in the event of an overbooked flight||V|
Very often in France, third-party liability coverage is included in your home insurance plan. However, this may not be the case with the home insurance you will take out in your country of expatriation.
Buying worldwide third-party liability coverage is expensive and prices may vary from one country to another: yet this coverage might help you in tricky situations, especially in “nitpicking” countries.
ASFE third-party liability insurance covers you in case of bodily injury, material damage and consequential financial loss caused to third parties while you are abroad, with the exclusion of home damage and use of a motor vehicle.
|Type of benefits||Aggregate limits||Deductible|
|All benefits combined||€1,524,490|
|including bodily injury and financial loss||€1,524,490 per claim||Nil|
|including other damage or loss||€762,245 per claim||€153 per claim|
|- material damage||€762,245 per claim|
|- consequential financial loss||€304,898 per claim|
|including legal defense fees||Included in the coverage||Nil|
Medical assistance and repatriation for health reasons are essential benefits to face emergency situations in the event of accident, disease, serious problems or death.
This option is available 24/7 by telephone and has been designed to support you any time wherever you are in the world.
|In the event of the insured member's accident or disease|
|Medical assistance||Europ Assistance medical team contacts local physicians, or your primary care physician|
|Transportation and medical repatriation to the nearest adequate hospital facility, even to your country of origin||Entirely arranged by our assistance company|
|Return of an accompanying party covered by the plan in case of repatriation||Covered|
|Hospital visit of a family member to come to your bedside in the event of hospitalization for more than five days in your country of expatriation||Round-trip ticket for the accompanying party + coverage of the accompanying party’s hotel expenses up to €100 per night, limited to €1,000|
|Accompanying children under 18 in the event of repatriation||Round-trip ticket|
|Return to the place of expatriation following repatriation||Covered|
|Delivery of medication to your country of expatriation if it cannot be found locally||Cost of shipment covered|
|In the event of the insured member's death|
|Repatriation of the body to the country of origin in the event of death||Arranged and covered by the assistance company|
|Coffin costs or urn costs||Up to €2,000|
|Identification of the body and administrative formalities by a family member||Round-trip ticket + coverage of hotel expenses up to €100 per night, limited to €200|
|In the event of a family member's death in your country of origin|
|Early return to the country of origin in the event of a family member’s death||Round-trip ticket (two tickets as part of a Family plan)|
|Early return in the event of a family member’s serious hospitalization for more than five days||Round-trip ticket (two tickets as part of a Family plan)|
|In case of legal assistance needed abroad|
|Advance of bail bonds in the event of legal proceedings||€15,000|
|Advance and coverage of legal fees incurred abroad||Up to €3,000 per year|
|Transmission of urgent messages||V|
Optional death & disability benefits have been designed to protect you from the delicate situations in life: death, dependence, loss of autonomy, etc. They allow you to maintain your living conditions in the event of sick leave and/or disability, but also in the event of death, in order to avoid financial difficulties for your family members.
Each benefit can be taken out individually as an option. It is available to insured members under 60 and will remain effective until age 65.
|A death or disability benefit (optional)|
|Benefit: from €30,490 to €304,900 – Benefit to be chosen per bracket of €15,245||
If you are aged under 50:
If you are over 50:
|The amount of the benefit is doubled in the event of accidental death.|
In the event of Absolute and Definitive Disability before age 60 requiring assistance from a third-party
to perform activities of daily living, the death benefit will be paid in advance.
E.g.: for a death benefit of €121,960 (eight brackets), doubled to €243,920 in case of accident,
an insured member aged under 50 will pay a quarterly premium of €219.52 (€27.44 X8).
|Daily allowances or a disability annuity to face a delicate situation (optional)|
|Daily allowance from €30.48 to €213.36 to be chosen per bracket of €15.24. A death benefit of at least 1,000 times the daily allowance chosen must be taken out.||
If you are aged under 50:
If you are over 50:
|Daily allowances are paid as of the 31st day of sick leave if the insured member is totally and physically incapable of working.|
|An annuity is paid according to the degree of disability and the amount of allowances chosen if the incapacity is admitted as being permanent.|
|This benefit is intended for insured members who have gainful employment and must be compatible with your earnings.|
E.g.: for a daily allowance of €152.40 (ten brackets), a 45-year old insured member will pay a quarterly premium of €388.70 (€38.87 x 10).
If he/she is on sick leave between March 1 and May 15, daily allowances will be paid as of March 31.
Important: daily allowances can only be taken out if a death benefit of at least 1,000 times
the amount of the daily allowance is chosen.
|A permanent disability benefit to help you reorganize your life (optional)|
|Benefit: from €60,980 to €304,900 – Benefit to be chosen per bracket of €15,245||If you are aged under 50: €4.57/bracket/quarter||If you are over 50: €6.40/bracket/quarter|
|A share of the chosen benefit, equal to the degree of disability (20% minimum) will be paid to the insured member in the event of permanent disability resulting from an accident.|
E.g.: for a benefit of €152,450 (ten brackets), a 45 year-old insured member will pay a quarterly premium of €45.70 (€4.57 X10).
In the event of permanent disability of 80%, a benefit of €121,960 (€152,960 X 0.8) will be paid to the insured member.
|An education annuity for your children (optional)|
|Annuity between 1 and 5 times the basic annuity chosen||If you are aged under 50||If you are over 50|
|Annuity to be chosen: from €762.25 to €11,433.75 per year||€22.87/basic/quarter||€34.30/basic/quarter|
An annual annuity, the amount of which will increase with the child’s age, will be paid to each child up to their 20th birthday,
or until they are 25 if they are enrolled as students, in the event of the insured member’s death before age 65.
|Annuities paid can represent…||…from 1…||…to 5 times the basic annuity chosen|
|Up until age 11||Between €762.25 per year…||… and €3,811.25 per year|
|Between age 11 and 18||Between €1,524.50 per year…||… and €7,622.50 per year|
|Over age 18||Between €2,286.75 per year…||… and €11,433.68 per year|
|For an annual annuity equal to four times the basic annuity, a 45 year-old insured member with two children will pay a quarterly premium of €22.87 x 4 x 2 = €182.96.|
The annuity paid will be equal to €762.25 x 4 = €3,049 per child until age 11; €1,524.50 x 4 (=€6,098) per child between age 11 and 18,
and €2,286.75 x 4 (=€9,147) per child after age 18, until their 25th birthday, on condition that he/she is still enrolled in education.
|A death & disability insurance package to allow each of you to benefit from a first-level coverage…|
If you have taken out coverage including healthcare + medical assistance/repatriation for health reasons and you are aged under 55,
you are eligible for our comprehensive social coverage packages for expatriates
|COMPREHENSIVE SOCIAL COVERAGE PACKAGE FOR EXPATRIATES INCLUDING DEATH & DISABILITY BENEFITS||Single||Family|
|Absolute and Definitive Disability benefit||€76,224.50||€76,224.50|
Daily allowances and Disability annuity
(30-day qualifying period)
|€45.75 per day||€45.75 per day|
|Accidental Permanent Disability benefit||€76,224.50||€152,449|