Travel news

Mondassur is now offering its newest insurance plan: Europe Access.

This new insurance plan is intended for anyone, regardless of their country of origin and under 75 years old, who wishes to stay in France or Europe* for up to a year. It is essential for non-EU citizens to possess a long-stay visa when staying in France for a year. As with any other visa, the embassy will ask for several documents, including proof of international health insurance.

The expat insurance Europe Access is an all-encompassing insurance that conforms to the legal criteria set forth by the European Consulates in order to obtain a European long-stay visa. Those under the age of 75 are able to enroll in this insurance for a period of 4 months up to a year. Europe Access travel insurance offers various benefits including reimbursement for medical expenses with hospitalization, supplementing social security coverage up to 100%. By enrolling in this insurance plan, you will also benefit from repatriation assistance, civil liability, and 24/7 access to our medical assistance hotline. Upon enrollment, you will receive your membership certificate which is necessary for obtaining the visa.

For only 35€ per month**: Europe Access provides insurance coverage throughout Europe and helps simplify the long-stay visa process. Enroll now for an insurance that will cover you against any unexpected events during your stay in Europe!

Find out more information about the Europe Access Insurance plan.

* Europe: refers to the Schengen zone and Norway, Iceland, Switzerland, Bulgaria, Cyprus, Romania, the United Kingdom and Ireland.

** Those under 60 years old, insured for a period of four months

In early spring, with finally good weather returning, Mondassur wanted to wish you a Happy Easter!

To start your Easter weekend, find some unusual ideas given by our favorite blogger Albert Monda and spend the most original Easter weekend...

Are you interested in going a year abroad? Are you preparing your documents for the Working Holiday Visa? Do not forget that the embassy requires you to meet certain insurance requirements in order to go abroad with the WHV. Mondassur will help you along the process by offering the right insurance according to your destination and your profile.

For Australia and New Zealand, we offer the plan PS working holiday insurance, for young people complete with excellent benefits and competitive rates.

For South Korea, Japan, or Argentina, additional coverage is required. Mondassur has developed an insurance plan for you: Premium 15 MA, which also offers excellent benefits and competitive rates. With this plan, you will be covered in case of illness, pregnancy, disability, and civil liability. You will also benefit from repatriation assistance. All of the aforementioned coverage is mandatory for WHV in these three countries.

Benefits of our WHV insurance:

- The insurer directly pays costs of hospitalization. No charge is made by the insured

- The insured is reimbursed on 100% of real costs for all medical expenses covered.

- No deductibles

- Medical assistance platform available 24/7.

The Premium15MA insurance plan covers you up to 1 million euros outside Europe with dental and optical care benefits, repatriation assistance, civil liability, theft of luggage.

Do not hesitate to contact our consultants for more information by This e-mail address is being protected from spambots. You need JavaScript enabled to view it or phone at +33 1 80 87 57 80.

Working in a foreign country has become a profitable and logical choice for young job-seekers. With high unemployment rate in most european countries, it has become increasingly difficult for new graduates to find their first real job. Even though Europe’s economic crisis has universally affected the job market, Germany has remained an attractive country for new graduates due to their strong economy. Working in Germany, thus, is a true launching point into beginning an international career. With the reasonable cost of living and enjoyable working conditions, Germany is an attractive option for young workers.

As an expatriate, you can choose between two insurance sectors: public and private (private insurance requires coverage under an expatriate insurance program). It is very important to consider under which expatriate insurance program you will enroll as your choice is irreversible during your stay in Germany. These two systems offer different advantages depending on your situation and your specific needs.

Public insurance automatically insures all employees who earn under 50.000€ per year. Fifteen percent (about 7% paid by the employer and 8% paid by the employee) of the employee’s gross salary is deducted monthly. Depending on the public health fund in which you are enrolled, your premiums may be more. This is a good option to consider for those travelling with family as it covers non-working spouses and children.

Private insurance is a good option for those who earn more than 50.000€ or are self-employed. If you choose private insurance, the cost for expatriate coverage varies depending on the conditions of your contract. Private insurance is strongly recommended for young, active, and single people. This is especially a good option if you are not planning to stay in Germany long-term. In choosing private insurance, your benefits would be greater than those of public insurance and overall, your costs will be lower if you are a young person. For example, up to 100% of your health real costs can be reimbursed and you will be insured in your home country and throughout the world when travelling. You will also be better reimbursed for dental and optical fees under your expatriate insurance plan.

When deciding between the two insurance systems, evaluate your individual needs in order to choose which program would be best for you!

When you live abroad, you can choose to take an expatriate insurance that completely covers you called expat insurance or a “top-up” insurance known as CFE insurance. If you are European and have been living in France for over 10 years, you can subscribe to the CFE. If you are eligible to CFE insurance, here is some information about expat insurance: CFE and complementary insurance.

The CFE is the Caisse des Français de l’Etranger. By paying a quarterly fee, this private organization, will support your medical expenses with the same percentages and reimbursement limits of French social security. When you want to go abroad, you can subscribe to the CFE so it will support a part of your health expenses abroad. It is very important to take a complementary insurance that will support the unpaid part and also pay directly hospitalization costs.

How will I be reimbursed by the CFE?

In order to subscribe to the CFE, you will have to pay a quarterly fee, which will be calculated according to your income, your age and family status. The CFE offers three insurances: illness and maternity, work accidents and occupational diseases and also pension insurance which allows you to contribute to the French pension system. The health care reimbursement system is based on the French Social Security reimbursement rate. For example, if you are paying 80€ for a consultation in your country of expatriation, you will be refunded at the time of care, 70% of 23€ by the CFE. If you don’t have complementary expat insurance, the rest will be on your charge. If you have additional insurance, it will cover the remaining costs according to your policy benefits.

In countries where medical costs are high (United States, Canada, Japan, Hong Kong, Brazil, Australia ...), outstanding cost could reach extremely high amount of money. Therefore it is essential in these countries and highly recommended in others to subscribe to an additional insurance to support your costs. Some insurance policies will even take care of your direct costs of hospitalization.

As an expatriate insurance broker, Mondassur allows you to have a single contact to subscribe CFE and expat insurance for your stay abroad as well as getting your reimbursement. This system is more convenient and reduces time for getting reimbursed. You send your claims to Mondassur which reimburses you according to the policy benefits and obtains the CFE reimbursement.