Why take stock of your health before leaving for expatriation?
Expatriate, health checkup An expatriation project is being considered. It is especially important to take stock of your health and future coverage while abroad to avoid unpleasant surprises. So if you are planning to cast off soon, here are some ideas.
The point before departure
Whether you are going solo or with the whole family, it is essential to do a pre-departure check-up. And this for each member of the family.
If you are an employee, this assessment is usually provided by your company and it makes sense: it is about checking that you are fit for work. In all cases, it is strongly recommended to have the whole family undergo a complete check-up: visit to the general practitioner, check the teeth and eyes. A visit to the gynecologist is also essential for women. If you are using birth control, make sure you have access to it locally. Otherwise plan accordingly before departure.
Take stock of your vaccines and any mandatory vaccinations. For more information before departure, head to the Cimed site. It is very useful with its health files by country, to know the required vaccines and to plan them in advance. Your doctor can perform most of the usual vaccines. However, for some, such as the yellow fever vaccine, you will need to go to a center approved by the Ministry of Health.
The changes that will occur
As an expatriate, your health coverage will change. You will no longer be affiliated with social security but will depend on the health system of your country of destination. If the local diet is right for you, great. But keep in mind that it can be very different from what you know, it all depends on where you are going.
Care can be free or affordable, with a well-established care pathway (as in the UK), or overpriced (as in some Asian countries or the US). A specific health insurance is then the best solution.
The insurance solutions available to you
Your situation is unique, your insurance must be tailor-made. Depending on your destination, your family situation, you will have to choose a type of coverage: CFE affiliation accompanied by additional coverage or insurance from the first euro?
In the first case, you keep a link with the French social security, since the fund for the French living abroad reimburses according to the rates of the Social Security. Additional insurance will then cover the unsupported delta, which can be very large depending on the country.
For example, a simple consultation with a general practitioner costs between 80 and 100 dollars in the United States, not to mention specialists or hospitalization: the bill sometimes goes up to several thousand euros. These are the times when we are happy to have good health coverage!
One of the interests of the CFE coupled with additional insurance is the ease with which you will reopen your social security rights when you return to France. In addition, you can choose to continue to contribute for your retirement.
The first euro insurance covers you as soon as you incur costs. The procedures are thus simplified since you only have one source of reimbursement.
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