Find out what is covered by mutual insurance and health insurance during a long stay abroad

Thanks to a better openness to the world and the possibilities of traveling which have multiplied in recent years, more and more French people are making long stays abroad. Thus, they leave the territory of France for several months, sometimes to exotic or really distant destinations.

Before embarking on this type of adventure, it is nevertheless necessary to be properly prepared. The issue of health insurance is paramount.

The main reimbursement conditions

Traveling abroad sometimes holds unpleasant surprises. Indeed, the people concerned are never safe from possible health problems, especially when it comes to a long stay. In this direction, the first reflex to adopt is to obtain the European Health Insurance Card (EHIC).

For those who already have a mutual in France, it will be the precious sesame which will allow access to reimbursements according to the conditions of the contract of the subscriber, even outside France.

However, this is only valid under certain conditions. It is first necessary that the stay takes place in a country of the European Union or located in the European Economic Area (EEA). The request can be made directly online and you might as well make it at least 15 days before your departure to be sure of getting it at the right time.

Ways to get covered even outside the EU

Two main levers are to be triggered in the event of illness or hospitalization abroad, outside the area covered by the European Health Insurance Card (EHIC). The first is the CFE or Caisse des Français de l’Étranger.

Reimbursements are then subject to ceilings, in particular those of the French Social Security. Thereby, not all care expenses can be covered, but only a part, especially in nations where the health system is relatively expensive. A supplement may therefore be necessary to ensure optimal security.

Furthermore, there is also insurance from the 1st euro to consider. This is a more flexible solution, much more relevant than paying a contribution to the CFE. Private companies offer this type of protection internationally.

As soon as the subscriber spends one euro, a refund is made directly. Depending on the offers or the chosen contract, all treatment may be covered. This represents a certain investment, but which can be useful for French people who often go for long stays abroad.

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