GoldExpat CFE: Expat insurance in addition to the CFE

Take care of yourself and your family abroad. Get very good guarantees at the best price with our GoldExpat insurance, CFE (Caisse des Français abroad) supplemental expat insurance! Taking out health insurance in addition to the CFE allows French expatriates to be better covered than with the simple coverage of the Caisse des Français de l’Aranger. Indeed, the CFE is based on the reimbursement rates of the French social security, much lower compared to the medical rates practiced in some countries, such as the United States.

Finally, be aware that there is no obligation for you to join the CFE: in some cases, it is more financially attractive to take out international health insurance for expatriates in the 1st Euro rather than to join the CFE and CFE at the same time.

Criteria for choosing GoldExpat expat insurance in addition to the CFE

Who can buy GoldExpat CFE insurance?
Your benefits with expat insurance in addition to the CFE?
Your guarantees with GoldExpat in addition to the CFE
How much does CFE supplemental expat insurance cost?
How do I purchase GoldExpat insurance in addition to the CFE?
How does CFE supplemental expat insurance work?
What are GoldExpat’s underwriting terms and conditions as a supplement to CFE?

Who can buy GoldExpat CFE insurance?

You are an expatriate or have a final plan to leave abroad, you are a member of the CFE (Caisse des Français abroad) and would like to take out international insurance complementary to the CFE? GoldExpat insurance can be taken out by anyone living outside their country of nationality,moving to live or living abroad, regardlessof the duration. Whether you are self-employed, salaried, restaurateur … you can benefit from GoldExpat insurance in addition to the CFE.

Your advantages with top up CFE expat insurance

Other benefits of GoldExpat

• 24/7 helpline worldwide
• Direct payment in case of hospitalization
• Internationally-appropriate warranty caps
• Your central refund requests (‘one-stop shop’) with the possibility of downloading your invoices directly online(E-claiming)
• Internationalcoverage: travel in peace and keep your guarantees no matter where you are, including France!
• Fully flexible insurance according to the needs of the insured, family situation and budget
• Excellent guarantee/priceratio, among the most accessible on the market

Your guarantees with GoldExpat in addition to the CFE

GoldExpat insurance in addition to the CFE comes in three forms: GoldExpat Premium, GoldExpat Safe, GoldExpat Access

• GoldExpat Premium Health Insurance offers an excellent coverage/price ratio. This is the international expatriation insurance that offers the best coverage.
  Hospitalization and maternity costs are covered at 100 of the actual costs with direct payment and no advance of fees on your part. Medical visits (general is or specialist), radios, medical analyses and pharmaceutical costs are covered at 90 of the actual costs with excellent coverage caps.

• GoldExpat Safe insurance is an international expatriation insurance with a moderately priced card. It offers a good guarantee-price ratio.
  Hospitalization and maternity costs are covered at 100 of the actual costs and no advancement of the costs.
  Medical visits, X-rays, tests and pharmaceutical costs are covered at 90 of the actual costs with correct coverage caps.

• GoldExpat Access insurance is the most economical expat insurance, it offers coverage at 100 of the actual costs for hospitalization and maternity expenses.
  Medical visits, X-rays, tests and pharmaceutical costs are covered at 80 of the actual costs, with correct coverage caps.

GoldExpat insurance in addition to the CFE is flexible, and allows you to add various options, such as optional warranties for optical and dental care (with different levels of coverage – Simple or More), a wellness option for the management of so-called “alternative” medicine , or a Maternity Plus option with high ceilings, or civil liability and repatriation assistance.

How much does CFE top up expat insurance cost?

The price of GoldExpat insurance in addition to the CFE varies depending on your country of expatriation and your family situation (individual or family).

How do I purchase GoldExpat insurance in addition to the CFE?

It’s very simple. All you have to do is complete the subscription form with the medical questionnaire. We will also need your passport copy (as well as for your family members), if you have children in school under the age of 26 to also insure, a certificate of schooling and an RIB for the management of your contributions and refunds. We will also need your CFE certificate, as well as for your family members.

Don’t hesitate to ask us your questions about this insurance. Our international team is available by phone, email or Whatsapp.

How does CFE top up expat insurance work?

In case of hospitalization, you have nothing to advance. The hospital is freely chosen by the beneficiary. You should contact the medical platform that sends a care and pays the costs directly to the hospital.
Refunds of other medical expenses are made, on invoices paid, very quickly, by bank transfer. Refunds can be accessed via the internet.
The physician (general practitioner and specialist) and medical practitioners are freely chosen by the beneficiary.
With a GoldExpat contract complementary to the Caisse des Français abroad (CFE), you only have one intermediary for your refunds. Our teletransmission service with the CFE allows you to make a single refund request from our management platform in order to obtain the CFE supplementAl GoldExpat CFE refund in one go.

What are GoldExpat’s underwriting terms and conditions as top up to CFE?

• The insurance takes effect upon receipt of the subscription slip, the medical questionnaire, an RIB, a copy of the passport, the payment of contributions and after acceptance of the insurer.
• You will be insured as soon as you register:
  • immediately for care and hospitalization due to accidents and unannounced diseases,
  • after 3 months for all other illness and hospitalization care,
  • after 6 months for care and dentures including dental, orthodontics, optics costs
  • after 10 months for maternity.

These delays can be repealed if health insurance was previously purchased and terminated for less than a month, except for maternity.

• The contract is signed for a renewable year by tacit agreement and can be terminated with two months’ notice depending on the guarantees of the contract.
• Contributions are payable in quarters, semesters or annually by bank transfer, By French cheque, by Visa or Mastercard bank card, or by direct debit (from a European account only).