FrancExpatSanté, your CFE top-up cover
You are keeping the Caisse des Français de l'Étranger or regularly returning to France for treatment. FrancExpatSanté supplements the CFE and reimburses up to 100% of your actual costs, through a single process.
Keep the CFE without the out-of-pocket costs
The CFE reimburses your care in France based on the statutory scheme's rates. A gap remains between the agreed rate and the actual bill: FrancExpatSanté bridges it and increases your reimbursement to up to 100% of actual costs.
Access to the French system
You retain access to the French healthcare system and the Carte Vitale issued by the CFE, as if you had never left.
Costs under control
You benefit from the French scheme's negotiated rates while receiving reimbursement of up to 100% of your actual costs.
Better continuity of care
You consult the professionals of your choice in France and maintain a consistent care pathway from year to year.
CFE and careXpat: two complementary forms of protection
One reimbursement, two levels
With FrancExpatSanté, the CFE reimburses healthcare expenses incurred in France for you and your dependants, under the statutory scheme's rules. careXpat, a CFE partner, adds benefits that increase reimbursement to up to 100% of actual costs.
- The CFE reimburses based on French scheme rates
- careXpat tops up reimbursement to up to 100% of your actual costs
- A single channel: treatment forms and invoices in your CFE account
Options to extend your cover
Options through the CFE
- Daily allowances, lump-sum death benefit and disability cover
- Cover for workplace accidents and occupational illnesses
- Contributions towards the basic state pension
Additional benefits
- Assistance and medical repatriation worldwide
- Lump-sum death benefit to protect your family
- A single contact to help you choose your options
Ready to supplement your CFE cover?
Our advisers work with you to determine the level of cover suited to your plans, then support you through enrolment.
Frequently asked questions
What is FrancExpatSanté?
How does it work with the CFE?
Do I need to be a CFE member already?
How much can I be reimbursed?
Are my dependants covered?
What options are available to employees?
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