Traveling, expatriation: what means to be properly insured?

Traveling, expatriation: what means to be properly insured?
Expatriation travel insurance During a classic trip, very often the payment card or even the mutual insurance company can offer you an insurance service to meet your needs. But when it comes to expatriation or a medium to long term trip, things get complicated. Appropriate travel insurance or expatriation insurance are therefore almost essential, because mutual funds and payment cards do not provide sufficient guarantees!

The payment card: it generally only covers you for periods of less than 90 days.
In addition, the guarantees differ quite a bit from card to card: sometimes refunds are just advances and they can be subject to very low limits and deductibles. Also take into account that you are not always covered in the event of lost luggage, transport delays or cancellation of your stay. Another notable point: take care to check that you have civil liability coverage in the event of an accident leading to legal proceedings. However, most of the guarantees mentioned above are included in premium type payment cards.

Alternative: the mutual. In most cases, this only covers you in France and in the overseas departments. Remember to check the clauses of your contract before leaving. Again it all depends on your level of coverage.

Regarding Social Security, it only covers you in France and under certain conditions, it can cover part of your expenses abroad. Normally, as soon as you settle abroad for a period of more than three months, you are dependent on the national scheme of the host country. There is an organization, the Caisse des Français à l'Étranger (or CFE), which can cover part of your expenses abroad, within the limit of reimbursements from French Social Security and on the basis of the costs observed. in France.

But make no mistake, this may be clearly insufficient to cover health costs abroad: for optimal protection throughout the period of stay abroad, choose safety and opt for expatriate health insurance. or travel health insurance.