Long-stay insurance abroad
Gold Start
Whether you're self-employed, teleworking abroad, globetrotting, on a gap year or sabbatical, touring the world, retired abroad... you can benefit from Gold Start insurance.
Looking for long-stay abroad insurance? Teleworking abroad, health cover for volunteering abroad? An international business assignment or retirement? Already here and looking for medical insurance with repatriation cover during your stay? Are you going away for a few months or a few years, or are you unsure how long you’ll be abroad? Our health insurance abroad offers optimum security as well as flexibility. Indeed, you can benefit from international health insurance, which is essential. What’s more, it’s compulsory in some countries to obtain a visa or residence permit.
Long-stay abroad insurance
Gold Start Backup
Cost-effective insurance
Coverage for emergencies and accidents only.
Starting from
30€
- Worldwide coverage
- Maximum age: 70 (65 for the USA)
- Covers emergencies and accidents only
- Up to €50,000 per year
- Repatriation assistance
- Civil liability
- Individual protection
Long-stay abroad insurance Gold Start Basic
Balanced insurance
Limited coverage for countries with moderate medical costs.
Starting from
63€
- Worldwide coverage
- Maximum age: 70 (65 for the USA)
- Covers emergencies and accidents
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €150,000 per year
- Maternity coverage up to €3,500
- Covers pre-existing conditions
- Repatriation assistance
- Civil liability
- Individual protection
Long-stay abroad insurance Gold Start Nomad
Comprehensive insurance
Coverage for hospitalization and routine medical care.
Starting from
85€
- Worldwide coverage
- Maximum age: 70 (65 for the USA)
- Covers emergencies and accidents
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €300,000 per year (€500,000 for the USA)
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Any questions? Need advice?
International health insurance for your long-term stays abroad
Who can take out Gold Start international insurance?
In the first place, this insurance is designed for people of all nationalities who are embarking on their first adventure outside their home country. You can therefore take out this long-stay abroad insurance up to the age of 64, even if you are already abroad. Moreover, with Gold Start, you can be insured up to the age of 70.
The insurance is therefore valid from a few months to several years. It’s the same as travel insurance if you’re going away for a few months. However, if you’re going to live abroad for several years, you’ll be considered an expat if you intend to live abroad.
If you are planning to move to France, it is important to be aware of the specific health insurance requirements for living in the country. Our health insurance for France page provides comprehensive information on the coverage options available, ensuring you meet legal obligations while benefiting from quality healthcare during your stay.
This insurance is suitable for various profiles, such as:
- a student taking a gap year,
- a family on a world tour,
- a person traveling on sabbatical, taking language courses or telecommuting from abroad,
- a volunteer on a humanitarian trip,
- a retiree,
- finally, a young expatriate on a WHV or job abroad.
Why take out long-stay insurance like Gold Start?
Globalization, the development of the Internet with its ease of remote connection, as well as the emergence of new professions are all increasing the opportunities to live abroad for a few months or years.
With Gold Start insurance, you’ll have cost-effective cover abroad against illness and accident for essential treatment, also the accidents and other unforeseeable setbacks, at a very competitive rate.
We also offer policies for more specific situations. For instance, if you are planning to go to in the Schengen area and need Schengen visa insurance, we offer a budget-friendly insurance for this case.
Or for example if you are planning to move to France for an extended period of time and are looking for a very comprehensive coverage, check out our international health insurance for France: Gold France Insurance.
What are the advantages of Gold Start international health insurance?
- From 30€ per month
- 3 packages to choose from, depending on your budget and destination: Nomad, Basic as well as Backup
- Immediate online subscription
- A 24/7 worldwide assistance platform
What you're covered for when you're abroad
You can choose between 3 levels of coverage: Backup, Basic as well as Nomad. We recommend the Nomad formula, especially for countries with high medical costs. There is also a Basic plan, which is more economical and may be sufficient if you are in a country with lower medical costs.
The Backup plan, however, is limited to accident costs only.
It is therefore aimed at people traveling in Europe or benefiting from other health insurance abroad. For example, we offer more comprehensive formulas with higher overall reimbursement limits with our expatriate insurances.
Gold Start guarantees in a nutshell:
- Hospitalization reimbursed at 100% of actual costs, subject to various ceilings
- 80% reimbursement of medical expenses (pharmacy, consultations, imaging procedures, laboratories, etc.).
- Health benefits apply in the event of an epidemic
- Coverage from the 1st euro or in addition to other insurance, depending on your choice (social security, Ramq, NHS….etc.).
- Your healthcare expenses are reimbursed with no deductible, from the 1st dollar/euro paid.
- Direct payment in the event of hospitalization
- Civil liability, personal protection as well as repatriation. If you’re wondering how repatriation insurance works, check out this article.
- 24/7 medical assistance platform
- Backup only covers accidents. We therefore recommend the Nomad or Basic packages.
How do I take out Gold Start insurance?
In the first place, formalities are kept to a minimum. Once you have received your quotation, you can subscribe directly online.
You can also subscribe by completing and emailing your application form and health questionnaire. You’ll receive your insurance certificate and policyholder card by e-mail, with emergency numbers to contact in the event of 24/7 assistance or hospitalization abroad. Therefore, you’ll receive an e-mail with the terms and conditions of your insurance contract and details of how your cover works. You’ll also have access to your online policyholder area.
Finally, don’t hesitate to contact us with any questions you may have about this insurance. Indeed, our multilingual team is at your disposal by phone, email or Whatsapp.
Multiple levels of coverage
Gold Nomad is the most comprehensive expatriate insurance in this range. Indeed, you are covered up to a maximum of 300,000 euros. You are also eligible for reimbursements of 100% for hospitalization and 80% for routine medical treatment.
Gold Basic is the overseas insurance with limited cover for countries with moderate medical costs. It is also suited to your needs if you have a limited budget and choose it for countries with high medical costs. Also, it covers up to €150,000.
Gold Backup covers you abroad for emergencies and accidents only. So it’s ideal if you already have insurance and want better coverage. Repatriation cover can also be a determining factor in taking out this insurance. Furthermore, it’s the same for direct coverage of your health care in the event of an emergency.
How does Gold Start insurance work?
You can subscribe online. After registration and payment, you will immediately receive your insurance certificate for abroad (with numbers to call in the event of hospitalization and 24/7 assistance services), as well as the general terms and conditions of the contract. To obtain reimbursement of your healthcare costs (excluding hospitalization and assistance), you have access to a personal online space where you can submit your claims and use your insurance services. Consequently, we’ll tell you exactly how to proceed.
Finally, in the event of hospitalization, you benefit from direct payment and a 24/7 medical assistance platform.
