What's the difference between a CFE top-up and 1st euro insurance?

The CFE (Caisse des Français de l’Etranger) insures you abroad with the coverage limits of the French social security ceilings . We strongly recommend that you take out a complementary health insurance plan , which will cover the remainder of your CFE reimbursements in the same way as a standard French complementary health insurance plan. In some countries, such as the USA and countries with higher medical costs than France, this is essential. Let’s take an example to better understand: CFE reimbursements are limited to the rates negotiated by the French social security system, taking 70% or 100% depending on the case. For a consultation with a general practitioner whose reimbursement by the social security is limited to 25 euros, you will be reimbursed by the CFE 70% of this amount, i.e. 17.50 euros. If your consultation was for 60 euros, or even 150 euros, you will still have to pay 60-17.50= 42.50 euros or 150-17.50= 132.50 euros. The complementary CFE will reimburse the remainder depending on the coverage you have chosen. Mondassur offers the GoldExpat contract for the 1st euro without CFE involvement, or Goldexpat in addition to CFE with formulas with variable reimbursement ceilings. These insurance contracts help you limit your out-of-pocket expenses , which can be very high for costly medical care.