Do I need Health Insurance When Moving to France?

Moving to France as an expat or digital nomad comes with several considerations, one of the most important being health insurance. France requires visitors staying longer than 90 days to have health insurance that meets specific criteria. The insurance policy must cover medical and hospitalization expenses up to at least €30,000, and it should include repatriation coverage. Additionally, the policy should be valid for the entire duration of your stay or until you are enrolled in the French public healthcare system.

Does Expat Health Insurance Meet the Requirements?

Yes, expat health insurance plans typically meet the requirements for France, provided they include the necessary coverage amounts and repatriation benefits. However, it's crucial to check the specific details of your policy to ensure it aligns with the French requirements. Some policies may need to be adjusted or supplemented to meet the minimum coverage amounts or include repatriation.

Which Local Health Insurers Offer This Type of Insurance?

Several local health insurers in France offer plans tailored to expats and digital nomads. Some of the prominent providers include AXA France, Allianz Care, and MGEN. These companies provide various health insurance options that can cover you during your initial stay and potentially supplement the French public healthcare system once you are enrolled. It's essential to compare plans and ensure they meet the visa requirements and your personal healthcare needs.

Advice from Expats in France about Health Insurance

Expats in France often advise newcomers to carefully review their health insurance options and choose a plan that goes beyond the minimum requirements. Consider plans that offer comprehensive coverage, including dental and vision care, as these may not be fully covered by the public healthcare system. Additionally, look for policies with low deductibles and robust repatriation benefits. It's also a good idea to select an insurer with a strong reputation and efficient customer service to ensure smooth claims processing and support.

Expats Talk about Health Insurance in France

"Very affordable, even before I was on the healthcare system I paid less than 100 euros for full x-rays and a cast for a broken wrist. With healthcare, it's simply covered thanks to higher taxes," said one expat who moved to Epinal, France.