#Health #insurance for foreigners in #France

January 21, 2025

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Public Health Insurance (PUMa):
- If you’re residing in France for more than 3 months and plan to stay long-term, you may be eligible to enroll in the PUMa (Protection Universelle Maladie), the French public healthcare system.
- It covers a substantial part of medical expenses (around 70% of most treatments). For the rest, you might need complementary insurance (mutuelle).
Private Health Insurance:
- If you’re not eligible for PUMa (e.g., staying for less than 3 months or on a short-term visa), you’ll need private health insurance.
- Private plans can cover a range of services including GP visits, hospitalization, dental care, and more. They are often tailored to meet the needs of expats and can include repatriation coverage.

Coverage Scope: Make sure the insurance covers routine medical care, emergency care, hospitalization, and prescription drugs.
Network of Doctors: Some plans have a network of doctors and hospitals where you get full coverage. Going outside this network might result in higher out-of-pocket costs.
Repatriation Coverage: For non-EU citizens, it’s essential to have coverage that includes repatriation to your home country in case of a severe medical situation.
Pre-existing Conditions: Check how pre-existing conditions are handled. Some policies might have waiting periods or exclusions.
Cost: Premiums can vary based on age, health status, and the extent of coverage. It’s important to compare plans to find the best balance between cost and coverage.

Documents Needed: Passport, proof of residence in France, visa or residency permit, and bank account details.
Waiting Periods: Some private insurances might have waiting periods before you can start claiming certain benefits. It’s crucial to understand these before enrolling.

Assess Your Needs: Consider your health history, how often you visit the doctor, and if you need coverage for specific treatments or conditions.
Compare Plans: Look at multiple providers and compare their offerings in terms of coverage, exclusions, and costs.
Seek Advice: Consult with an insurance agent familiar with expat needs in France to ensure you’re making an informed decision.

If you need personalized advice or assistance with selecting and enrolling in a health insurance plan in France, please contact an agent!