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Medical costs abroad are often much higher than in France, and social security doesn’t cover you everywhere.
There are several reasons why it’s vital to be insured when you go abroad.

What health coverage is there without international health insurance?

Very often, the coverage you enjoy in your home country is not valid abroad.

There are two main reasons why you can’t count on Social Security cover:

Not systematically covered
Reimbursement based on French rates.

In Europe, the European Health Insurance Card (EHIC) is not enough to be well covered.

Finally, if you have a premium bank card, travel insurance will not be valid if you do not use your card to pay for your stay in full. Classic cards don’t offer broader coverage. It is not possible to personalize coverage with a bank card. Insurance cover with bank cards is generally valid for three months, or 90 days.

Immediate coverage with health insurance

International health insurance covers you against certain major risks:

The financial risk: healthcare costs vary greatly from one country to another, and can quickly escalate. The insurance covers your expenses, so you don’t have to pay in advance for hospitalization.
Health risk: in some parts of the world, medical facilities are very limited. It is important to benefit from extensive repatriation assistance cover to make up for local shortcomings.
Access to medical care: public structures in some countries do not always allow you to choose your doctor or hospital, and delays in accessing care can be very long.
The insurance reimburses you for private medical care, with a free choice of doctor or hospital, anywhere in the world.

Health insurance cover abroad

Insurance offers many advantages, such as :

Complementary social protection: covers loss of luggage, theft, destruction of all or part of luggage
Medical and health expenses reimbursement: the insurer sets a ceiling depending on the contract chosen.
Third-party liability: covers costs related to damage caused to others, to other people’s property and to social security abroad.

Good health cover is essential if you want to travel abroad with peace of mind!

The insurances that come with your credit card (Visa, Mastercard, American Express) are more like assistance contracts that help you in the event of an incident, for a short period of time without offering you very extensive health insurance cover, and under no circumstances if you stay abroad for more than 3 consecutive months. They are interesting (for “top-of-the-range” cards such as Gold, Premier or Infinity), but should only be used in conjunction with specific insurance.

All people living abroad (i.e. outside their country of origin) are considered “expatriates” and can take out expatriate insurance, also known as international health insurance.

Indeed, the definition of the term “expatriate” indicates an individual residing in a country other than his or her country of origin (homeland). The word comes from the Greek words exo (“outside”) and patrida (“the country”). People can move abroad for personal or professional reasons, whether for study, career prospects, the desire to discover new things, family reunions…