MyHealth France, the health insurance for expats as a top-up to the French Social Security.
As a resident of France, you benefit from a primary level of healthcare coverage through Social Security’s Assurance maladie. But for many services (specialist consultations, dental care, optical items, etc.) the out-of-pocket costs are often very high. That is why we’ve designed MyHealth France to cover healthcare costs that are not reimbursed, or are only partially reimbursed, by the French Social Security system.
*Rates expressed for an insured person aged 55
You have to be hospitalised and the daily rate (accommodation costs) amounts to €201.
SSRR: Statutory rate of reimbursement used by French Social Security for treatments, procedures, and prescriptions performed or issued by health professionals. It varies depending on the sector to which the health professional or hospital belongs. Where generic medicines exist, the reimbursement rate is the flat rate corresponding to the price of the generic version.
DPTAM: A generic term for the various systems designed to control excess fees charged by health professionals in the approved sector. This includes doctors who have signed up to the Access to Care Agreement (CAS) or who have chosen the Controlled Pricing Option (OPTAM/OPTAM-CO).
100% Santé: The “100% Santé” reform made changes to vision, hearing, and dental cover from 1 January 2020. It aims to improve access to quality services in vision, hearing, and dental care. With this reform, you benefit from a full reimbursement after the combined payments by the Statutory health insurance and supplementary health insurance schemes on a basket of defined benefits. This is known as the “100% Santé” basket.
1 Regulatory rate - 2 National average price for the procedure - 3 Sales limit price - 4 Conventional rate - 5 Billing limit fee
I am an expat in France
You are a foreigner living in France
I am affiliated to a basic plan
You are covered by French Social Security or another compulsory French plan
I would like tailored health insurance
You are looking for health cover in France combined with international support
With MyHealth France, you can be sure that you are well-covered: our solution is 100% compliant with French regulations and offers several levels of cover for minimal out-of-pocket expenses.
Enrolment is quick and easy: no health questionnaire, no waiting period, and no age limit.
And what's more, your benefits are valid for life!
As a resident of France, you benefit from a primary level of healthcare coverage through the compulsory scheme (Social Security). But this initial cover is often insufficient to meet the costs of healthcare. This is why it’s important to take out supplementary health insurance: to cover healthcare expenses that are poorly reimbursed, or not reimbursed at all, by the compulsory scheme.
With MyHealth France, you’ll limit your out-of-pocket expenses and benefit from international support in managing your policy cover.
Medical expenses covered may vary from one policy to another. Generally, health insurance covers expenses related to:
- medical consultations (GPs or specialists)
- health professionals’ excess fees
- medications
- hospitalisation
- vision care expenses
- dental expenses
- biological procedures, etc.
MyHealth France offers several packages with different levels of cover. Whether you want to be covered only for hospitalisation, or enjoy enhanced levels of cover for all items, you will find a MyHealth France package that is just right for you.
Before taking out health insurance, there are a number of criteria you should consider:
- the level of cover you need (based on your healthcare habits)
- the premium fees
- the conditions of reimbursement: ease of the process, processing time, quality of customer follow-up, etc.
- sign-up details: health questionnaire, age limit, etc.
- policy restrictions: deductible, exclusions, waiting period
Choosing the MyHealth France policy means having a wide choice of cover, and managing it easily in your language of choice in just a few clicks.
MyHealth France is a solution specially designed for expats in France. We know how complex it can be to deal with a new healthcare system. To this end, we have designed a product that is 100% compliant with regulatory requirements, offering a wide choice of benefits coupled with international support.
As an insured member, you’ll also benefit from a number of services:
- rates negotiated with partner healthcare providers to limit your expenses
- free and unlimited telehealth 24/7
- support in the event of hospitalisation: childcare, household help, etc.
- no upfront payment for many items thanks to direct billing
- a single space to manage all claims: the Easy Claim app
Simplified procedures and faster processing of your requests.
You can download your membership certificate, use the telehealth service, search for a doctor near you, and find all your useful contacts.
It's simple - your insurance follows you anywhere.
MyHealth France is a product designed and managed by APRIL International Care France and insured by QUATREM (a Malakoff Humanis Group company).
