Expat Health Insurance France: Public or Private Cover?

Expat Health Insurance France

France boasts a variety of geography, climates, and cultures – from the Mediterranean climate of the south to the historical City of Light (Paris)! This makes life in France extremely sought after by expatriates who are spoilt for cultural choices when moving to any region of France.
One of the leading influences for the demand of moving to France is the impressive healthcare system, ranking 8th out of 89 countries, only behind Austria, Denmark, and Spain in Europe (Health Care Index 2019). France’s public healthcare system offers universal coverage for all citizens regardless of age or economic situation, funded by government agencies.
Even with this impressive public healthcare, choosing the right health insurance policy is still a top priority for expats moving to France. Although 96% of France’s population use the country’s public healthcare, an estimated 40 million French citizens own a private health insurance policy (2018).

The questions companies need to ask around expat health insurance France

When moving for work or long-term travel anywhere in the world, it is important to learn about a country’s healthcare system and how your health insurance falls into it – what additional policies are offered or what is already covered by the state – and which are the best policies companies can offer their employees moving or working in France?
So, which are the best French health insurance for expats living or moving to France? What options need to be considered when looking at France’s healthcare as a whole?

What is the French Public Healthcare System? 

France’s public healthcare system is one of the best in the world. In 2016, French healthcare was overhauled to create the Protection Maladie Universelle (PUMA), making unlimited healthcare a right for all French residents. This is regardless of age or previous medical history.
The government implementation of PUMA was particularly impactful for expats living in France, where previously French health insurance was only offered to expats if several conditions were met. The 2016 changes guaranteed that any resident living or working in France for longer than 3 months consecutively would have access to public healthcare and reimbursements.
PUMA reimbursements refer to state-fixed tariffs, such as a standard charge for doctor consultations. You can expect to receive a minimum reimbursement of 70% of a medical bill, with long-term illnesses having 100% of the costs covered.
PUMA guarantees that legal residents keep their health insurance despite any changes in circumstances.

What does public health insurance in France cover? 

PUMA provides state-funded cover for a wide range of treatments and procedures, with French residents having to pay upfront fees that are reimbursed by government-funded agencies. What is covered under France’s public healthcare?

  • Doctors: usually pay a flat fee of €25 – insurance providers partially reimburse these costs
  • Emergency Care: A&E services under state healthcare
  • Specialist Care:  may charge higher fees than general doctors – for reimbursement need to have been referred by GP
  • Medication: most are covered by state
  • Dental Care: covered the same way as Specialist Care, covers general visits
  • Maternity Care: majority covered – 70% of first 2 scans are covered, cost of next 6 months fully covered


How expats can register for healthcare: 

The first step to registering for health insurance in France is to either join the social security system to register for PUMA or visit a local CPAM, the local department of national health (Caisse Primaire d’Assurance Maladie). Expats drawing from a UK State Pension can apply for a UK S1 form to signify a change in address.
Most employers will register their employees with social security, arranging the healthcare formalities, but self-employed workers still must apply themselves. However, self-employed, or not, you still have a personal responsibility to check this has been arranged!
Once becoming an expat working or living in France for more than 3 months, you can then apply to be covered by PUMA, registering for public healthcare.
You will need:

  • Passport / valid ID
  • Proof of French residence
  • Proof of address
  • Marriage/birth certificates (to include family under cover)
  • Evidence of income


Who has access to French public health insurance? 

Anyone who pays into the French social security system, or have lived consecutively for 3 months in France, is entitled to state health insurance. These social contributions average out to around 8% of net income above a minimum threshold set by the state.
So, can all types of expats and citizens have access to state healthcare?

  • Residents: regular residency in France for 3 consecutive months per year – must intend to live there for at least 6 months a year
  • Employees: social security contributions
  • Self-employed / business owners: have access to medical insurance through Regime Social des Independants system (2006)
  • Children: automatically eligible regardless of nationality
  • Students: not typically recognised as residents (most get Student’s Social Security covering health expenses) – exceptions available for EU/EEA students with EHIC cards, scholarship students, students studying for less than 3 months
  • EU, EEA, Swiss citizens: use EHIC cards if staying temporarily
  • Unemployed / Low income:eligible for health insurance, can also get subsidies


What are the different options of private expat health insurance France? 

Although the quality of French public health care is incredibly high, residents also often opt for private French health insurance to ensure full coverage of payments and procedures. Below are the different options available for expats when deciding on French health insurance.

  1. Health Card – Carte Vitale:  don’t have to make upfront payments, contains administrative information needed by medical professionals
  2. Mutuelle: a policy that reimburses medical costs not covered by Social Security – are offered by insurers as different packages which are catered specifically to your needs, can be offered as part of a benefits package – basic Mutuelle’s focus on hospital care and medicine, and may include limited dental coverage
  3. European Health Insurance Card: healthcare at the same cost as locals

For local health insurance cover, there are many providers that offer cover for expats moving to France. A few of the largest include, April, AXA, and Allianz – all of which we at Engage work with and support.
(Look here to discover what can be included in International Private Medical Insurance)

Why is expat health insurance France needed?

Even with France’s top public healthcare in place, being an expat in France, or any other different country to your own, still has many difficulties. French expats still must face a range of issues when navigating and understanding what is on offer to them regarding healthcare.
Listed below are some reasons why French expats decide to top up their cover with private international health insurance:

  • Dentistry and private hospital care are usually only available to those with private health insurance
  • Expats may be liable to pay a percentage of most treatments – PMI can bridge this gap
  • International private health insurance is global and will cover expats anywhere in the world
  • Provides a more comprehensive plan that can be suited to specific circumstances and needs
  • Provides access to a wider range of French healthcare facilities and doctors
  • Language barriers and French social rules can prove challenging to overcome
  • A good option for those with chronic illnesses – state/public will not cover chiropractors, osteopaths, psychologist consultations
  • Covers any possible scenarios – a medical security blanket!
  • Access to private hospitals and eye care

Covers the first 3 months of living and working in France, before having access to the public scheme
(The topmost Spanish health insurance options for expats in Spain: An inside look at Spain’s health care system)
International Private Health insurance for expats in France ensures ease and comfort during an already tumultuous move to a different country. Where the public health care system already in place provides protection and care, understanding a new country’s policies and methods can be confusing and hard to navigate. Having an international private health insurance plan means that you are completely covered for any circumstance and get any extra support that you might need moving as an expat to France. Find out more here on the different options of international health insurance on offer to expats, and the importance of getting the right plan for you.
Contact us through Engage Health Group where we give free no-obligation advice and support and discover more on International Private Health Insurance.

Eleanor Chilvers

Eleanor Chilvers

Eleanor started at Engage in 2021, and is now a Digital Content Writer after studying BA English Literature at University of Sussex for the last 3 years.

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