{"id":31548,"date":"2026-09-30T14:34:49","date_gmt":"2026-09-30T12:34:49","guid":{"rendered":"https:\/\/carexpat.com\/blog\/?page_id=31548"},"modified":"2026-09-30T14:34:49","modified_gmt":"2026-09-30T12:34:49","slug":"italie","status":"publish","type":"page","link":"https:\/\/carexpat.com\/blog\/italie\/","title":{"rendered":"ITALIE"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><p>[vc_row][vc_column]\t\t<section class=\"et-hero et-hero--bar\"><div class=\"container\"><div class=\"et-hero__col\">\n\t\t\t<nav class=\"crumb et-hero__crumb\"><a href=\"https:\/\/carexpat.com\/blog\/\">Le blog<\/a><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M9 6l6 6-6 6\"><\/path><\/svg><a href=\"https:\/\/carexpat.com\/blog\/expatriation-tous-les-pays\/\">Destinations<\/a><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M9 6l6 6-6 6\"><\/path><\/svg><span>ITALIE<\/span><\/nav>\n\t\t\t<span class=\"eyebrow\">Guide destination<\/span><h1 class=\"display\">ASSURANCE SANT\u00c9 ITALIE<\/h1><p class=\"et-hero__intro\">S&#039;installer en Italie pour profiter de la Dolce Vita implique aussi de s&#039;adapter \u00e0 son syst\u00e8me de sant\u00e9, le SSN (Servizio Sanitario Nazionale). Gratuit et universel sur le papier, il souffre en r\u00e9alit\u00e9 de fortes disparit\u00e9s r\u00e9gionales et de listes d&#039;attente interminables. Pour garantir un acc\u00e8s rapide et confortable aux m\u00e9decins et aux cliniques de la p\u00e9ninsule, l&#039;assurance sant\u00e9 priv\u00e9e est une alli\u00e9e incontournable des expatri\u00e9s.<\/p>\t\t\t<div class=\"et-hero__cta\"><a class=\"btn-pri\" href=\"https:\/\/carexpat.com\/search\">Comparer les offres <svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M9 6l6 6-6 6\"><\/path><\/svg><\/a><a class=\"btn btn--ghost\" href=\"#guide\">Lire le guide<\/a><\/div>\t\t\t<div class=\"et-hero__meta\"><span>Par la r\u00e9daction careXpat<\/span><span class=\"sep\"><\/span><span>30 septembre 2026<\/span><span class=\"sep\"><\/span><span>3 min de lecture<\/span><\/div>\t\t<\/div><figure class=\"et-hero__figure notch-photo\"><div class=\"framed\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2026\/09\/dfc1097b-fb0b-4d2f-96f5-15d86e72f134.webp\" alt=\"ASSURANCE SANT\u00c9 ITALIE\"><\/div><\/figure><\/div><\/section>\n\t\t<section class=\"hero-logos vc-insurers--hero\" aria-label=\"Les assureurs que nous comparons\"><div class=\"container\"><p class=\"hero-logos__label\">Les assureurs que nous comparons<\/p><div class=\"logobar__viewport\"><div class=\"logobar__track\"><span class=\"hero-logos__item\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/4-2.png\" alt=\"April International\"><\/span><span class=\"hero-logos__item\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/6.png\" alt=\"AVA assurances\"><\/span><span class=\"hero-logos__item\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/1-3.png\" alt=\"Malakoff Humanis\"><\/span><span class=\"hero-logos__item\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/17.png\" alt=\"MSH\"><\/span><span class=\"hero-logos__item\" aria-hidden=\"true\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/4-2.png\" alt=\"\"><\/span><span class=\"hero-logos__item\" aria-hidden=\"true\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/6.png\" alt=\"\"><\/span><span class=\"hero-logos__item\" aria-hidden=\"true\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/1-3.png\" alt=\"\"><\/span><span class=\"hero-logos__item\" aria-hidden=\"true\" tabindex=\"-1\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2025\/04\/17.png\" alt=\"\"><\/span><\/div><\/div><\/div><\/section>\n\t\t<section class=\"arts\"><div class=\"container\"><div class=\"section-head\"><div><span class=\"eyebrow\">Le blog des expatri\u00e9s<\/span><h2 class=\"display h-2\">Tous nos articles<\/h2><\/div><span class=\"arts__count\">2 articles<\/span><\/div>\n\t<div class=\"agrid\">\t\t<a class=\"acard\" data-cat=\"profils\" href=\"https:\/\/carexpat.com\/blog\/s-expatrier-en-italie-guide\/\">\n\t\t\t<div class=\"acard__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2026\/07\/Canal-grande-in-Trieste-city-1-scaled-1.jpg\" alt=\"\"><\/div>\n\t\t\t<div class=\"acard__body\">\n\t\t\t\t<div class=\"acard__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>10 Ao\u00fbt 2026<\/span><span class=\"sep\"><\/span><span>6 min<\/span><\/div>\n\t\t\t\t<h3 class=\"acard__title\">S&rsquo;expatrier en Italie en 2026 : Le guide complet pour r\u00e9ussir votre Dolce Vita<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t\t\t<a class=\"acard\" data-cat=\"profils\" href=\"https:\/\/carexpat.com\/blog\/pays-avec-le-plus-d-expatries-francais\/\">\n\t\t\t<div class=\"acard__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2023\/10\/expatriation-cf-scaled-e1700478361748.jpg\" alt=\"\"><\/div>\n\t\t\t<div class=\"acard__body\">\n\t\t\t\t<div class=\"acard__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>20 Nov 2023<\/span><span class=\"sep\"><\/span><span>13 min<\/span><\/div>\n\t\t\t\t<h3 class=\"acard__title\">O\u00f9 s&rsquo;expatrier en 2026 : Classement des pays et sant\u00e9<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t<\/div>\t<\/div><\/section>\n\t\t\t<article class=\"art-body\" id=\"guide\"><div class=\"container\"><div class=\"art-grid\"><div class=\"prose\"><p class=\"lead-p\"><h2 id=\"mutuelle-sante-italie-tout-savoir-pour-bien-se-couvrir\">Mutuelle sant\u00e9 Italie : tout savoir pour bien se couvrir<\/h2><div class=\"cx-text\"><p><span style=\"font-weight: 400;\">Le syst\u00e8me de sant\u00e9 italien offre une prise en charge globale, mais l&rsquo;exp\u00e9rience patient varie consid\u00e9rablement que vous vous installiez \u00e0 Milan, Rome ou Palerme.<\/span><\/p>\n<h3><b>Le SSN : gratuit\u00e9, ticket mod\u00e9rateur et disparit\u00e9s r\u00e9gionales<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Pour b\u00e9n\u00e9ficier du syst\u00e8me public italien, vous devez vous inscrire \u00e0 l&rsquo;ASL (<\/span><i><span style=\"font-weight: 400;\">Azienda Sanitaria Locale<\/span><\/i><span style=\"font-weight: 400;\">) de votre lieu de r\u00e9sidence pour obtenir votre <\/span><i><span style=\"font-weight: 400;\">Tessera Sanitaria<\/span><\/i><span style=\"font-weight: 400;\"> (carte de sant\u00e9). Vous choisirez alors votre m\u00e9decin de famille (<\/span><i><span style=\"font-weight: 400;\">medico di base<\/span><\/i><span style=\"font-weight: 400;\">). Le syst\u00e8me est d\u00e9centralis\u00e9 : les r\u00e9gions du Nord (Lombardie, V\u00e9n\u00e9tie) disposent d&rsquo;infrastructures d&rsquo;excellence, tandis que le Sud fait souvent face \u00e0 un manque de moyens. De plus, une participation financi\u00e8re (le <\/span><i><span style=\"font-weight: 400;\">Ticket<\/span><\/i><span style=\"font-weight: 400;\">) vous sera demand\u00e9e pour les examens sp\u00e9cialis\u00e9s, les analyses et les urgences non vitales.<\/span><\/p>\n<h3><b>Les limites du syst\u00e8me public : les listes d&rsquo;attente et le dentaire<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Le talon d&rsquo;Achille du SSN r\u00e9side dans ses <\/span><i><span style=\"font-weight: 400;\">liste di attesa<\/span><\/i><span style=\"font-weight: 400;\"> (listes d&rsquo;attente). Obtenir une \u00e9chographie ou voir un sp\u00e9cialiste dans le secteur public peut prendre plusieurs mois. Par ailleurs, la prise en charge des soins dentaires est pratiquement inexistante dans le public, poussant la majorit\u00e9 des Italiens vers les cabinets priv\u00e9s.<\/span><\/p>\n<h3><b>Les solutions d&rsquo;assurance selon votre profil d&rsquo;expatri\u00e9<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Le recours au secteur priv\u00e9 (<\/span><i><span style=\"font-weight: 400;\">Cliniche private<\/span><\/i><span style=\"font-weight: 400;\">) est la solution privil\u00e9gi\u00e9e pour contourner les d\u00e9lais du SSN. Votre couverture d\u00e9pendra de vos objectifs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si vous \u00eates <\/span><b>salari\u00e9 ou travailleur ind\u00e9pendant<\/b><span style=\"font-weight: 400;\">, vous cotisez de fait au SSN. Cependant, souscrire \u00e0 une mutuelle compl\u00e9mentaire sant\u00e9 expatri\u00e9 est vivement recommand\u00e9. Elle prendra en charge les fameux <\/span><i><span style=\"font-weight: 400;\">Tickets<\/span><\/i><span style=\"font-weight: 400;\">, vos soins dentaires, et surtout, elle vous permettra de consulter directement des sp\u00e9cialistes du secteur priv\u00e9 (souvent anglophones ou francophones) sans attendre.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pour les <\/span><b>retrait\u00e9s fran\u00e7ais<\/b><span style=\"font-weight: 400;\">, le formulaire S1 vous permet de transf\u00e9rer vos droits \u00e0 l&rsquo;assurance maladie fran\u00e7aise vers l&rsquo;Italie et de vous inscrire gratuitement \u00e0 l&rsquo;ASL. Toutefois, face aux d\u00e9lais d&rsquo;attente, la souscription \u00e0 une CFE coupl\u00e9e \u00e0 une compl\u00e9mentaire, ou \u00e0 une assurance internationale 100 % priv\u00e9e, est un investissement s\u00e9curit\u00e9 majeur pour vivre une retraite sereine et avoir acc\u00e8s aux meilleures cliniques priv\u00e9es en cas d&rsquo;hospitalisation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Enfin, pour les <\/span><b>\u00e9tudiants europ\u00e9ens<\/b><span style=\"font-weight: 400;\">, la Carte Europ\u00e9enne d&rsquo;Assurance Maladie (CEAM) permet d&rsquo;utiliser le syst\u00e8me public. Mais attention, elle ne couvre ni les cliniques priv\u00e9es, ni le rapatriement m\u00e9dical. Une assurance \u00e9tudiante internationale reste la couverture la plus s\u00e9curisante.<\/span><\/p>\n<\/div><div class=\"callout\"><span class=\"callout__ico\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/themes\/carexpat-blog\/assets\/icons\/chat.svg\" alt=\"\"><\/span><div><div class=\"callout__label\">Le conseil careXpat<\/div><p><span style=\"font-weight: 400;\">En Italie, de nombreux m\u00e9decins travaillent \u00e0 la fois dans les h\u00f4pitaux publics et dans des cabinets priv\u00e9s (c&rsquo;est ce qu&rsquo;on appelle l&rsquo;<\/span><i><span style=\"font-weight: 400;\">Intramoenia<\/span><\/i><span style=\"font-weight: 400;\">). Vous pouvez payer pour voir un sp\u00e9cialiste de l&rsquo;h\u00f4pital public en \u00ab\u00a0priv\u00e9\u00a0\u00bb afin d&rsquo;obtenir un rendez-vous en quelques jours au lieu de quelques mois. Une bonne assurance sant\u00e9 internationale expatri\u00e9 remboursera ces consultations priv\u00e9es dites \u00ab\u00a0Intramoenia\u00a0\u00bb, vous garantissant le meilleur des deux mondes.<\/span><\/p>\n<\/div><\/div>\n<\/div><aside class=\"art-aside\"><div class=\"aside-form\"><h4>Votre devis pour cette destination<\/h4><p>Comparez les meilleures offres sant\u00e9 adapt\u00e9es \u00e0 votre pays et \u00e0 votre profil.<\/p><div class=\"carexpat-quote-cf7 is-compact\" data-selected-country=\"\" data-language=\"\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f616-o1\" lang=\"fr-FR\" dir=\"ltr\" data-wpcf7-id=\"616\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/pages\/31548#wpcf7-f616-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulaire de contact\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"616\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.2.2\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"fr_FR\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f616-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<label><span style=\"margin-bottom: 15px;\">Pays d'expatriation<\/span>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"menu-700\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"menu-700\"><option value=\"Choisir un pays\">Choisir un pays<\/option><option value=\"AFRIQUE DU SUD\">AFRIQUE DU SUD<\/option><option value=\"ALBANIE\">ALBANIE<\/option><option value=\"ALG\u00c9RIE\">ALG\u00c9RIE<\/option><option value=\"ALLEMAGNE\">ALLEMAGNE<\/option><option value=\"ANDORRE\">ANDORRE<\/option><option value=\"ANGOLA\">ANGOLA<\/option><option value=\"ANGUILLA\">ANGUILLA<\/option><option value=\"ANTARCTIQUE\">ANTARCTIQUE<\/option><option value=\"ANTIGUA-ET-BARBUDA\">ANTIGUA-ET-BARBUDA<\/option><option value=\"ANTILLES N\u00c9ERLANDAISES\">ANTILLES N\u00c9ERLANDAISES<\/option><option value=\"ARABIE SAOUDITE\">ARABIE SAOUDITE<\/option><option value=\"ARGENTINE\">ARGENTINE<\/option><option value=\"ARM\u00c9NIE\">ARM\u00c9NIE<\/option><option value=\"ARUBA\">ARUBA<\/option><option value=\"AUSTRALIE\">AUSTRALIE<\/option><option value=\"AUTRICHE\">AUTRICHE<\/option><option value=\"AZERBA\u00cfDJAN\">AZERBA\u00cfDJAN<\/option><option value=\"BAHAMAS\">BAHAMAS<\/option><option value=\"BAHRE\u00cfN\">BAHRE\u00cfN<\/option><option value=\"BANGLADESH\">BANGLADESH<\/option><option value=\"BARBADE\">BARBADE<\/option><option value=\"BELGIQUE\">BELGIQUE<\/option><option value=\"BELIZE\">BELIZE<\/option><option value=\"B\u00c9NIN\">B\u00c9NIN<\/option><option value=\"BERMUDES\">BERMUDES<\/option><option value=\"BHOUTAN\">BHOUTAN<\/option><option value=\"BI\u00c9LORUSSIE\">BI\u00c9LORUSSIE<\/option><option value=\"BOLIVIE\">BOLIVIE<\/option><option value=\"BOSNIE-HERZ\u00c9GOVINE\">BOSNIE-HERZ\u00c9GOVINE<\/option><option value=\"BOTSWANA\">BOTSWANA<\/option><option value=\"BR\u00c9SIL\">BR\u00c9SIL<\/option><option value=\"BRUN\u00c9I DARUSSALAM\">BRUN\u00c9I DARUSSALAM<\/option><option value=\"BULGARIE\">BULGARIE<\/option><option value=\"BURKINA FASO\">BURKINA FASO<\/option><option value=\"BURUNDI\">BURUNDI<\/option><option value=\"CAMBODGE\">CAMBODGE<\/option><option value=\"CAMEROUN\">CAMEROUN<\/option><option value=\"CANADA\">CANADA<\/option><option value=\"CAP-VERT\">CAP-VERT<\/option><option value=\"CHILI\">CHILI<\/option><option value=\"CHINE\">CHINE<\/option><option value=\"CHYPRE\">CHYPRE<\/option><option value=\"COLOMBIE\">COLOMBIE<\/option><option value=\"COMORES\">COMORES<\/option><option value=\"COR\u00c9E DU NORD\">COR\u00c9E DU NORD<\/option><option value=\"COR\u00c9E DU SUD\">COR\u00c9E DU SUD<\/option><option value=\"COSTA RICA\">COSTA RICA<\/option><option value=\"C\u00d4TE D&#039;IVOIRE\">C\u00d4TE D&#039;IVOIRE<\/option><option value=\"CROATIE\">CROATIE<\/option><option value=\"CUBA\">CUBA<\/option><option value=\"DANEMARK\">DANEMARK<\/option><option value=\"DJIBOUTI\">DJIBOUTI<\/option><option value=\"DOMINIQUE\">DOMINIQUE<\/option><option value=\"\u00c9GYPTE\">\u00c9GYPTE<\/option><option value=\"EL SALVADOR\">EL SALVADOR<\/option><option value=\"\u00c9MIRATS ARABES UNIS\">\u00c9MIRATS ARABES UNIS<\/option><option value=\"\u00c9QUATEUR\">\u00c9QUATEUR<\/option><option value=\"\u00c9RYTHR\u00c9E\">\u00c9RYTHR\u00c9E<\/option><option value=\"ESPAGNE\">ESPAGNE<\/option><option value=\"ESTONIE\">ESTONIE<\/option><option value=\"\u00c9TATS F\u00c9D\u00c9R\u00c9S DE MICRON\u00c9SIE\">\u00c9TATS F\u00c9D\u00c9R\u00c9S DE MICRON\u00c9SIE<\/option><option value=\"\u00c9TATS-UNIS\">\u00c9TATS-UNIS<\/option><option value=\"\u00c9THIOPIE\">\u00c9THIOPIE<\/option><option value=\"FIDJI\">FIDJI<\/option><option value=\"FINLANDE\">FINLANDE<\/option><option value=\"FRANCE\">FRANCE<\/option><option value=\"GABON\">GABON<\/option><option value=\"GAMBIE\">GAMBIE<\/option><option value=\"G\u00c9ORGIE\">G\u00c9ORGIE<\/option><option value=\"G\u00c9ORGIE DU SUD ET LES \u00ceLES SANDWICH DU SUD\">G\u00c9ORGIE DU SUD ET LES \u00ceLES SANDWICH DU SUD<\/option><option value=\"GHANA\">GHANA<\/option><option value=\"GIBRALTAR\">GIBRALTAR<\/option><option value=\"GR\u00c8CE\">GR\u00c8CE<\/option><option value=\"GRENADE\">GRENADE<\/option><option value=\"GROENLAND\">GROENLAND<\/option><option value=\"GUADELOUPE\">GUADELOUPE<\/option><option value=\"GUAM\">GUAM<\/option><option value=\"GUATEMALA\">GUATEMALA<\/option><option value=\"GUIN\u00c9E\">GUIN\u00c9E<\/option><option value=\"GUIN\u00c9E \u00c9QUATORIALE\">GUIN\u00c9E \u00c9QUATORIALE<\/option><option value=\"GUIN\u00c9E-BISSAU\">GUIN\u00c9E-BISSAU<\/option><option value=\"GUYANA\">GUYANA<\/option><option value=\"GUYANE FRAN\u00c7AISE\">GUYANE FRAN\u00c7AISE<\/option><option value=\"HA\u00cfTI\">HA\u00cfTI<\/option><option value=\"HONDURAS\">HONDURAS<\/option><option value=\"HONG-KONG\">HONG-KONG<\/option><option value=\"HONGRIE\">HONGRIE<\/option><option value=\"\u00ceLE BOUVET\">\u00ceLE BOUVET<\/option><option value=\"\u00ceLE CHRISTMAS\">\u00ceLE CHRISTMAS<\/option><option value=\"\u00ceLE DE MAN\">\u00ceLE DE MAN<\/option><option value=\"\u00ceLE NORFOLK\">\u00ceLE NORFOLK<\/option><option value=\"\u00ceLES (MALVINAS) FALKLAND\">\u00ceLES (MALVINAS) FALKLAND<\/option><option value=\"\u00ceLES \u00c5LAND\">\u00ceLES \u00c5LAND<\/option><option value=\"\u00ceLES CA\u00cfMANES\">\u00ceLES CA\u00cfMANES<\/option><option value=\"\u00ceLES COCOS (KEELING)\">\u00ceLES COCOS (KEELING)<\/option><option value=\"\u00ceLES COOK\">\u00ceLES COOK<\/option><option value=\"\u00ceLES F\u00c9RO\u00c9\">\u00ceLES F\u00c9RO\u00c9<\/option><option value=\"\u00ceLES HEARD ET MCDONALD\">\u00ceLES HEARD ET MCDONALD<\/option><option value=\"\u00ceLES MARIANNES DU NORD\">\u00ceLES MARIANNES DU NORD<\/option><option value=\"\u00ceLES MARSHALL\">\u00ceLES MARSHALL<\/option><option value=\"\u00ceLES MINEURES \u00c9LOIGN\u00c9ES DES \u00c9TATS-UNIS\">\u00ceLES MINEURES \u00c9LOIGN\u00c9ES DES \u00c9TATS-UNIS<\/option><option value=\"\u00ceLES SALOMON\">\u00ceLES SALOMON<\/option><option value=\"\u00ceLES TURKS ET CA\u00cfQUES\">\u00ceLES TURKS ET CA\u00cfQUES<\/option><option value=\"\u00ceLES VIERGES BRITANNIQUES\">\u00ceLES VIERGES BRITANNIQUES<\/option><option value=\"\u00ceLES VIERGES DES \u00c9TATS-UNISHEADLES\">\u00ceLES VIERGES DES \u00c9TATS-UNISHEADLES<\/option><option value=\"INDE\">INDE<\/option><option value=\"INDON\u00c9SIE\">INDON\u00c9SIE<\/option><option value=\"IRAQ\">IRAQ<\/option><option value=\"IRLANDE\">IRLANDE<\/option><option value=\"ISLANDE\">ISLANDE<\/option><option value=\"ISRA\u00cbL\">ISRA\u00cbL<\/option><option value=\"ITALIE\">ITALIE<\/option><option value=\"JAMA\u00cfQUE\">JAMA\u00cfQUE<\/option><option value=\"JAPON\">JAPON<\/option><option value=\"JERSEY\">JERSEY<\/option><option value=\"JORDANIE\">JORDANIE<\/option><option value=\"KAZAKHSTAN\">KAZAKHSTAN<\/option><option value=\"KENYA\">KENYA<\/option><option value=\"KIRGHIZISTAN\">KIRGHIZISTAN<\/option><option value=\"KIRIBATI\">KIRIBATI<\/option><option value=\"KOWE\u00cfT\">KOWE\u00cfT<\/option><option value=\"LAOS\">LAOS<\/option><option value=\"LESOTHO\">LESOTHO<\/option><option value=\"LETTONIE\">LETTONIE<\/option><option value=\"LIBAN\">LIBAN<\/option><option value=\"LIB\u00c9RIA\">LIB\u00c9RIA<\/option><option value=\"LIBYE\">LIBYE<\/option><option value=\"LIECHTENSTEIN\">LIECHTENSTEIN<\/option><option value=\"LITUANIE\">LITUANIE<\/option><option value=\"LUXEMBOURG\">LUXEMBOURG<\/option><option value=\"MACAO\">MACAO<\/option><option value=\"MAC\u00c9DOINE\">MAC\u00c9DOINE<\/option><option value=\"MADAGASCAR\">MADAGASCAR<\/option><option value=\"MALAISIE\">MALAISIE<\/option><option value=\"MALAWI\">MALAWI<\/option><option value=\"MALDIVES\">MALDIVES<\/option><option value=\"MALI\">MALI<\/option><option value=\"MALTE\">MALTE<\/option><option value=\"MAROC\">MAROC<\/option><option value=\"MARTINIQUE\">MARTINIQUE<\/option><option value=\"MAURICE\">MAURICE<\/option><option value=\"MAURITANIE\">MAURITANIE<\/option><option value=\"MAYOTTE\">MAYOTTE<\/option><option value=\"MEXIQUE\">MEXIQUE<\/option><option value=\"MOLDAVIE\">MOLDAVIE<\/option><option value=\"MONACO\">MONACO<\/option><option value=\"MONGOLIE\">MONGOLIE<\/option><option value=\"MONT\u00c9N\u00c9GRO\">MONT\u00c9N\u00c9GRO<\/option><option value=\"MONTSERRAT\">MONTSERRAT<\/option><option value=\"MOZAMBIQUE\">MOZAMBIQUE<\/option><option value=\"MYANMAR\">MYANMAR<\/option><option value=\"NAMIBIE\">NAMIBIE<\/option><option value=\"NAURU\">NAURU<\/option><option value=\"N\u00c9PAL\">N\u00c9PAL<\/option><option value=\"NICARAGUA\">NICARAGUA<\/option><option value=\"NIGER\">NIGER<\/option><option value=\"NIG\u00c9RIA\">NIG\u00c9RIA<\/option><option value=\"NIU\u00c9\">NIU\u00c9<\/option><option value=\"NORV\u00c8GE\">NORV\u00c8GE<\/option><option value=\"NOUVELLE-CAL\u00c9DONIE\">NOUVELLE-CAL\u00c9DONIE<\/option><option value=\"NOUVELLE-Z\u00c9LANDE\">NOUVELLE-Z\u00c9LANDE<\/option><option value=\"OMAN\">OMAN<\/option><option value=\"OUGANDA\">OUGANDA<\/option><option value=\"OUZB\u00c9KISTAN\">OUZB\u00c9KISTAN<\/option><option value=\"PAKISTAN\">PAKISTAN<\/option><option value=\"PALAOS\">PALAOS<\/option><option value=\"PANAMA\">PANAMA<\/option><option value=\"PAPOUASIE-NOUVELLE-GUIN\u00c9E\">PAPOUASIE-NOUVELLE-GUIN\u00c9E<\/option><option value=\"PARAGUAY\">PARAGUAY<\/option><option value=\"PAYS-BAS\">PAYS-BAS<\/option><option value=\"P\u00c9ROU\">P\u00c9ROU<\/option><option value=\"PHILIPPINES\">PHILIPPINES<\/option><option value=\"PITCAIRN\">PITCAIRN<\/option><option value=\"POLOGNE\">POLOGNE<\/option><option value=\"POLYN\u00c9SIE FRAN\u00c7AISE\">POLYN\u00c9SIE FRAN\u00c7AISE<\/option><option value=\"PORTO RICO\">PORTO RICO<\/option><option value=\"PORTUGAL\">PORTUGAL<\/option><option value=\"QATAR\">QATAR<\/option><option value=\"R\u00c9PUBLIQUE ARABE SYRIENNE\">R\u00c9PUBLIQUE ARABE SYRIENNE<\/option><option value=\"R\u00c9PUBLIQUE CENTRAFRICAINE\">R\u00c9PUBLIQUE CENTRAFRICAINE<\/option><option value=\"R\u00c9PUBLIQUE D\u00c9MOCRATIQUE DU CONGO\">R\u00c9PUBLIQUE D\u00c9MOCRATIQUE DU CONGO<\/option><option value=\"R\u00c9PUBLIQUE DOMINICAINE\">R\u00c9PUBLIQUE DOMINICAINE<\/option><option value=\"R\u00c9PUBLIQUE DU CONGO\">R\u00c9PUBLIQUE DU CONGO<\/option><option value=\"R\u00c9PUBLIQUE ISLAMIQUE D&#039;IRAN\">R\u00c9PUBLIQUE ISLAMIQUE D&#039;IRAN<\/option><option value=\"R\u00c9PUBLIQUE TCH\u00c8QUE\">R\u00c9PUBLIQUE TCH\u00c8QUE<\/option><option value=\"ROUMANIE\">ROUMANIE<\/option><option value=\"ROYAUME-UNI\">ROYAUME-UNI<\/option><option value=\"RUSSIE\">RUSSIE<\/option><option value=\"RWANDA\">RWANDA<\/option><option value=\"SAHARA OCCIDENTAL\">SAHARA OCCIDENTAL<\/option><option value=\"SAINT-BARTH\u00c9LEMY\">SAINT-BARTH\u00c9LEMY<\/option><option value=\"SAINT-KITTS-ET-NEVIS\">SAINT-KITTS-ET-NEVIS<\/option><option value=\"SAINT-MARIN\">SAINT-MARIN<\/option><option value=\"SAINT-MARTIN\">SAINT-MARTIN<\/option><option value=\"SAINT-PIERRE-ET-MIQUELON\">SAINT-PIERRE-ET-MIQUELON<\/option><option value=\"SAINT-VINCENT-ET-LES GRENADINES\">SAINT-VINCENT-ET-LES GRENADINES<\/option><option value=\"SAINTE-H\u00c9L\u00c8NE\">SAINTE-H\u00c9L\u00c8NE<\/option><option value=\"SAINTE-LUCIE\">SAINTE-LUCIE<\/option><option value=\"SAMOA\">SAMOA<\/option><option value=\"AMOA AM\u00c9RICAINES\">AMOA AM\u00c9RICAINES<\/option><option value=\"SAO TOM\u00c9-ET-PRINCIPE\">SAO TOM\u00c9-ET-PRINCIPE<\/option><option value=\"S\u00c9N\u00c9GAL\">S\u00c9N\u00c9GAL<\/option><option value=\"SERBIE\">SERBIE<\/option><option value=\"SEYCHELLES\">SEYCHELLES<\/option><option value=\"SIERRA LEONE\">SIERRA LEONE<\/option><option value=\"SINGAPOUR\">SINGAPOUR<\/option><option value=\"SINT MAARTEEN\">SINT MAARTEEN<\/option><option value=\"SLOVAQUIE\">SLOVAQUIE<\/option><option value=\"SLOV\u00c9NIE\">SLOV\u00c9NIE<\/option><option value=\"SOMALIE\">SOMALIE<\/option><option value=\"SOUDAN\">SOUDAN<\/option><option value=\"SRI LANKA\">SRI LANKA<\/option><option value=\"SU\u00c8DE\">SU\u00c8DE<\/option><option value=\"SUISSE\">SUISSE<\/option><option value=\"SURINAME\">SURINAME<\/option><option value=\"SVALBARD ET JAN MAYEN\">SVALBARD ET JAN MAYEN<\/option><option value=\"SWAZILAND\">SWAZILAND<\/option><option value=\"TADJIKISTAN\">TADJIKISTAN<\/option><option value=\"TA\u00cfWAN\">TA\u00cfWAN<\/option><option value=\"TANZANIE\">TANZANIE<\/option><option value=\"TCHAD\">TCHAD<\/option><option value=\"TERRES AUSTRALES FRAN\u00c7AISES\">TERRES AUSTRALES FRAN\u00c7AISES<\/option><option value=\"TERRITOIRE BRITANNIQUE DE L&#039;OC\u00c9AN INDIEN\">TERRITOIRE BRITANNIQUE DE L&#039;OC\u00c9AN INDIEN<\/option><option value=\"TERRITOIRE PALESTINIEN OCCUP\u00c9\">TERRITOIRE PALESTINIEN OCCUP\u00c9<\/option><option value=\"THA\u00cfLANDE\">THA\u00cfLANDE<\/option><option value=\"TOGO\">TOGO<\/option><option value=\"TOKELAU\">TOKELAU<\/option><option value=\"TRINIT\u00c9-ET-TOBAGO\">TRINIT\u00c9-ET-TOBAGO<\/option><option value=\"TUNISIE\">TUNISIE<\/option><option value=\"TURKM\u00c9NISTAN\">TURKM\u00c9NISTAN<\/option><option value=\"TURQUIE\">TURQUIE<\/option><option value=\"TUVALU\">TUVALU<\/option><option value=\"UKRAINE\">UKRAINE<\/option><option value=\"URUGUAY\">URUGUAY<\/option><option value=\"VANUATU\">VANUATU<\/option><option value=\"VATICAN\">VATICAN<\/option><option value=\"VENEZUELA\">VENEZUELA<\/option><option value=\"VIETNAM\">VIETNAM<\/option><option value=\"WALLIS ET FUTUNA\">WALLIS ET FUTUNA<\/option><option value=\"Y\u00c9MEN\">Y\u00c9MEN<\/option><option value=\"ZAMBIE\">ZAMBIE<\/option><option value=\"ZIMBABWE\">ZIMBABWE<\/option><\/select><\/span><\/label>\n\n<div id=\"responsive-form\" class=\"clearfix\">\n <div style=\"margin-top:25px;\" class=\"form-row\">\n  <div>\n   <label>\n    <span>Date de naissance<\/span>\n    <span class=\"wpcf7-form-control-wrap\" data-name=\"date-841\"><input class=\"wpcf7-form-control wpcf7-date wpcf7-validates-as-required wpcf7-validates-as-date\" min=\"1950-12-31\" max=\"2004-12-31\" aria-required=\"true\" aria-invalid=\"false\" value=\"jj\/mm\/aaaa\" type=\"date\" name=\"date-841\" \/><\/span>\n   <\/label>\n  <\/div>\n <\/div>\n<\/div>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"b2c\" type=\"hidden\" name=\"type_article\" \/>\n<div style=\"margin-top:25px;\">\n<div class=\"quote-field\">\n  <label>Type de s\u00e9jour<\/label>\n  <span class=\"wpcf7-form-control-wrap\" data-name=\"radio-261\"><span class=\"wpcf7-form-control wpcf7-radio\"><span class=\"wpcf7-list-item first\"><label><input type=\"radio\" name=\"radio-261\" value=\"Plus de 12 mois\" checked=\"checked\" \/><span class=\"wpcf7-list-item-label\">Plus de 12 mois<\/span><\/label><\/span><span class=\"wpcf7-list-item last\"><label><input type=\"radio\" name=\"radio-261\" value=\"Moins de 12 mois\" \/><span class=\"wpcf7-list-item-label\">Moins de 12 mois<\/span><\/label><\/span><\/span><\/span>\n<\/div>\n<\/div>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Je compare les offres\" \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\t<a class=\"aside-form__trust carexpat-trust-summary\" href=\"https:\/\/fr.trustpilot.com\/review\/santexpat.fr\" target=\"_blank\" rel=\"noopener noreferrer\">\n\t\t<span class=\"stars\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><\/span>\t\t<span>4,9\/5 \u00b7 816 avis sur Trustpilot<\/span>\n\t<\/a>\n\t<\/div>\t<details class=\"toc\" open>\n\t\t<summary><span class=\"toc__label\">Sommaire<\/span><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"m6 9 6 6 6-6\"><\/path><\/svg><\/summary>\n\t\t<ul><li><a href=\"#mutuelle-sante-italie-tout-savoir-pour-bien-se-couvrir\">Mutuelle sant\u00e9 Italie : tout savoir pour bien se couvrir<\/a><\/li><\/ul>\n\t<\/details>\n\t<\/aside><\/div><\/div><\/article>\n\t\t<section class=\"section related\"><div class=\"container\"><div class=\"section-head\"><span class=\"eyebrow\">Pour aller plus loin<\/span><h2 class=\"display h-2\">Nos articles sur cette destination<\/h2><\/div><div class=\"rel-grid\">\n\t\t\t<a class=\"rel-card\" href=\"https:\/\/carexpat.com\/blog\/en\/santexpat-becomes-carexpat-why-the-change-2\/\">\n\t\t\t<div class=\"rel-card__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2026\/10\/blog12-1.png\" alt=\"\"><\/div>\n\t\t\t<div class=\"rel-card__body\">\n\t\t\t\t<div class=\"rel-card__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>5 min<\/span><\/div>\n\t\t\t\t<h3 class=\"rel-card__title\">Santexpat Becomes careXpat: Why the Change?<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t\t\t<a class=\"rel-card\" href=\"https:\/\/carexpat.com\/blog\/santexpat-devient-carexpat\/\">\n\t\t\t<div class=\"rel-card__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2026\/10\/blog12-1.png\" alt=\"\"><\/div>\n\t\t\t<div class=\"rel-card__body\">\n\t\t\t\t<div class=\"rel-card__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>7 min<\/span><\/div>\n\t\t\t\t<h3 class=\"rel-card__title\">Santexpat devient careXpat : pourquoi ce changement ?<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t\t\t<a class=\"rel-card\" href=\"https:\/\/carexpat.com\/blog\/en\/cfe-supplementary-or-first-euro-how-do-you-choose\/\">\n\t\t\t<div class=\"rel-card__media\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/uploads\/2026\/10\/Capture-decran-2026-10-19-a-09.29.23.png\" alt=\"\"><\/div>\n\t\t\t<div class=\"rel-card__body\">\n\t\t\t\t<div class=\"rel-card__meta\"><span class=\"chip chip--profils\">Profils<\/span><span class=\"sep\"><\/span><span>6 min<\/span><\/div>\n\t\t\t\t<h3 class=\"rel-card__title\">CFE, supplementary or \u00ab\u00a0first euro\u00a0\u00bb: How do you choose?<\/h3>\n\t\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div><\/div><\/section>\n\t\t<section class=\"section faqA\" id=\"faq\"><div class=\"container\"><div class=\"faqA__grid\">\n\t\t<div class=\"faqA__aside\"><span class=\"eyebrow\">careXpat est \u00e0 vos c\u00f4t\u00e9s<\/span><h2 class=\"display h-1\">Questions<br>fr\u00e9quentes<\/h2><div class=\"ghost-stamps\" aria-hidden=\"true\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/themes\/carexpat-blog\/assets\/stamps\/teleconsultation.svg\" alt=\"\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/themes\/carexpat-blog\/assets\/stamps\/maternity.svg\" alt=\"\"><img decoding=\"async\" src=\"https:\/\/carexpat.com\/blog\/wp-content\/themes\/carexpat-blog\/assets\/stamps\/cancer.svg\" alt=\"\"><\/div><\/div>\n\t\t<div class=\"faq\"><div class=\"faq__item\"><button class=\"faq__q\" type=\"button\" aria-controls=\"faq-answer-31611-0\">Why compare international health insurance plans?<span class=\"faq__toggle\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 5v14M5 12h14\"><\/path><\/svg><\/span><\/button><div class=\"faq__a\" id=\"faq-answer-31611-0\"><div class=\"faq__a-inner\"><p>Benefits, limits and exclusions vary greatly by country and profile. Comparing helps you choose truly suitable coverage.<\/p>\n<\/div><\/div><\/div><div class=\"faq__item\"><button class=\"faq__q\" type=\"button\" aria-controls=\"faq-answer-31611-1\">Is the careXpat comparison service free?<span class=\"faq__toggle\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\"><path d=\"M12 5v14M5 12h14\"><\/path><\/svg><\/span><\/button><div class=\"faq__a\" id=\"faq-answer-31611-1\"><div class=\"faq__a-inner\"><p>Yes. The comparison and support from an adviser are free, with no obligation.<\/p>\n<\/div><\/div><\/div><\/div>\n\t<\/div><\/div><\/section>\n\t\t<section class=\"avisband\"><div class=\"container\"><div class=\"avisband__head\"><span class=\"eyebrow\">Avis clients<\/span><h2>Plus de 20 000 assur\u00e9s nous font confiance<\/h2><p class=\"lead\">Des avis v\u00e9rifi\u00e9s, laiss\u00e9s apr\u00e8s un accompagnement r\u00e9el : comparaison, souscription, remboursements.<\/p><\/div><div class=\"avisband__tp\"><div class=\"trustpilot-widget\" data-locale=\"fr-FR\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"623c3eee2cc9401e439c98fb\" data-style-height=\"240px\" data-style-width=\"100%\" data-token=\"7fedd72f-6a9a-4253-a889-7b99d9209710\" data-stars=\"1,2,3,4,5\" data-review-languages=\"\"><a href=\"https:\/\/fr.trustpilot.com\/review\/santexpat.fr\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div><\/div><\/div><\/section>\n\t\t<section class=\"section cta-banner\"><div class=\"container\"><div class=\"cta-banner__inner\"><div class=\"cta-banner__body\"><span class=\"eyebrow\">Comparateur sant\u00e9<\/span><h2>Votre sant\u00e9 \u00e0 l\u2019\u00e9tranger, sans mauvaise surprise<\/h2><p>Comparez en quelques minutes les meilleures assurances sant\u00e9 internationales adapt\u00e9es \u00e0 votre projet.<\/p><ul class=\"cta-banner__list\"><li><span class=\"tick\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 12l5 5 9-11\"><\/path><\/svg><\/span>Comparatif personnalis\u00e9<\/li><li><span class=\"tick\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 12l5 5 9-11\"><\/path><\/svg><\/span>Conseillers experts de l\u2019expatriation<\/li><li><span class=\"tick\"><svg viewBox=\"0 0 24 24\"><path d=\"M5 12l5 5 9-11\"><\/path><\/svg><\/span>Gratuit et sans engagement<\/li><\/ul><div class=\"cta-banner__actions\"><a class=\"btn-pri\" href=\"https:\/\/carexpat.com\/search\">Trouver mon assurance <svg viewBox=\"0 0 24 24\"><path d=\"M9 6l6 6-6 6\"><\/path><\/svg><\/a>\t<a class=\"cta-banner__trust carexpat-trust-summary\" href=\"https:\/\/fr.trustpilot.com\/review\/santexpat.fr\" target=\"_blank\" rel=\"noopener noreferrer\">\n\t\t<span class=\"cta-banner__stars\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2l2.9 6.3 6.9.7-5.1 4.6 1.4 6.8L12 17.8 6 20.4l1.4-6.8L2.3 9l6.9-.7z\"><\/path><\/svg><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 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