Gold Expat CFE: complementary expatriate insurance for CFE
Strengthen your CFE coverage with a comprehensive, modular international health insurance plan.
Are you living or working abroad and affiliated to CFE (Caisse des Français de l’Étranger)? A expatriate insurance enables you to significantly improve your healthcare reimbursements abroad. By supplementing your CFE coverage, you’ll benefit from more extensive protection for hospitalization, routine medical care and unforeseen expenses, while keeping your budget under control.
With Gold Expat insurance as a complement to CFE, you benefit from high-performance cover, with no deductible and no advance payment in the event of hospitalization, at a competitive rate. If you prefer health cover that’s totally independent of CFE, you can also opt for expatriate insurance from the 1st Euro ideal for coverage from the first euro spent, anywhere in the world.
Find the expatriate health insurance that's right for you
Expatriate insurance
Gold Expat
Access CFE
Economical health insurance
Economical international health insurance tailored to your expatriation plans.
From
35€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical expenses up to €180
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance
Gold Expat
Safe CFE
Balanced expatriate health insurance
Health insurance with a good cover/price ratio. It offers effective cover against accident and illness.
From
51€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical expenses up to €230
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance
Gold Expat
Premium CFE
Comprehensive medical coverage
Our most comprehensive international health insurance for expatriates.
From
76€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs up to €370
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Got a question about our health insurance? Let's discuss it!
Who can benefit from Gold Expat CFE insurance?
Gold Expat CFE insurance is for all expatriates who wish to supplement their CFE (Caisse des Français de l’Étranger ) health cover with effective, flexible and affordable international health insurance. Whether you’ve been living abroad for a long time, have a family, are on a temporary assignment or are retired, this insurance is tailored to your profile, your country of residence and your budget.
Whether you’ve been living abroad for several years or you’re going abroad with your family, Gold Expat CFE provides you with solid health cover against the often very high medical costs outside France. In addition to CFE, this insurance covers the essentials: up to 100% of actual hospital costs and up to 90% for standard medical care.
Designed for everyone’s peace of mind, it meets the specific needs of each member of the family (pediatrics, maternity care, optical care, dental care) thanks to progressive options that include prevention and well-being.. You’ll benefit from simplified access to private healthcare, and control your budget with the best cover/price ratio for a secure, long-term expatriation..
If you’re going abroad as part of an employment contract or self-employed activity, reliable international health cover is essential. Gold Expat CFE provides effective protection in the event of accident or illness, with high ceilings, free choice of doctors and rapid treatment.
This complementary CFE expatriate insurance is tailored to your professional needs, whether you’re on a short-term or permanent assignment. It also gives you the flexibility to take out optional cover (optical, dental, maternity, etc.) depending on your situation.
Senior expatriates often need specific cover: monitoring of chronic illnesses, access to specialists, frequent hospitalization. Gold Expat CFE offers health insurance for retired expatriates, covering a wide range of treatments, including certain pre-existing conditions, subject to medical acceptance.
This insurance lets you live abroad with peace of mind, without having to rely on a limited or expensive local healthcare system. With clear reimbursements and unrestricted access to private care, you’re protected against health hazards wherever you are in the world.
This complementary solution to CFE gives you enhanced reimbursements for medical care abroad, global assistance and free access to international hospitals and doctors.
Choose the CFE health insurance that suits your needs abroad
Finding the right expatriate health insurance to complement CFE has never been easier. With our three modular formulas: Access, Safe and Premium, you benefit from a reliable international contract, whether you’re employed, self-employed, with your family or retired abroad.
Our comparison tool will help you quickly visualize the most important warranties:
hospitalization reimbursed at 100%, routine care up to 100%, maternity, pharmacy, repatriation assistance, civil liability, and much more. You can also activate options such as dental care, optical care or preventive health care to suit your needs.
With affordable rates and worldwide coverage, Gold Expat CFE provides effective protection within your budget.
Opt for comprehensive, CFE-compatible international health insurance tailored to the medical realities of your country of residence.
CFE reimbursement is never complete and varies greatly depending on your country of expatriation:
- Zone 1: ~67% of actual cost covered.
- Zones 2 to 5 : Coverage drops drastically (e.g. 42% in Mexico, 19% in the USA).
The Gold Expat advantage: Our formulas act as a second line of defence, bridging this vital gap and guaranteeing you coverage up to 100%, so you can avoid major out-of-pocket expenses.
Examples of countries by CFE reimbursement zone :
- Zone 1: India, Madagascar, Morocco, Tunisia, Cambodia…
- Zone 2: South Africa, Indonesia, Philippines, Vietnam…
- Zone 3: Australia, Brazil, Canada, Germany, Spain, Thailand…
- Zone 4: China, Italy, Singapore, Bahamas…
- Zone 5: United States, Hong Kong, United Kingdom, Switzerland…
Why choose Mondassur for your CFE expatriate health insurance?
International coverage around the world
We protect your health worldwide. Whether you're going to Europe, Asia, America or Africa, our CFE complementary expatriate health insurance covers your medical contingencies, hospitalizations and emergencies. Wherever you are, you benefit from reliable protection, even far from your home country.
24/7 multilingual support
Our assistance service is available in your language, day and night. Thanks to our reactive and experienced team, we can support you at every stage: hospitalization, administrative procedures or health advice abroad.
A quick and easy digital insurance space
With our online platform, you can access your reimbursements, certificates, claims and medical contacts in just a few clicks. We simplify the process so you can concentrate on your expatriation, not on paperwork.
20 years of expertise in international health insurance
Mondassur has been supporting expatriates in over 190 countries for more than two decades. This experience has enabled us to create tailor-made solutions like Gold Expat CFE, which combine solid coverage, adjusted pricing and personalized customer service.
Find out all about CFE expatriate insurance with Mondassur
CFE (Caisse des Français de l’Étranger) provides a reimbursement basis similar to that of French Social Security. However, it covers only a portion of medical expenses incurred abroad. Complementary CFE expatriate insurance such as Gold Expat CFE completes this coverage by including 100% hospitalization, up to 100% routine medical care, dental, optical and maternity care, and much more.
By combining the two, you benefit from comprehensive health cover, essential in many destinations. For a better understanding of their respective roles, see our dedicated page on how CFE reimbursements work.
This is not a legal requirement, but it is an essential precaution. CFE alone reimburses only part of the cost of medical treatment. In countries with high medical costs, such as the United States or Hong Kong, this coverage remains insufficient. With expatriate health insurance complementary to CFE, you benefit from enhanced protection, 24/7 assistance, third-party hospital payment and simplified management of your reimbursements. To help you make the right choice, follow our advice on choosing expatriate insurance.
Rates vary according to several criteria: your age, country of residence, level of coverage and optional benefits. Mondassur offers three plans: Access, Safe, and Premium. These formulas can be tailored to your needs, whether you’re looking for economical or comprehensive coverage. For a precise estimate based on your profile, consult our dedicated page: how much does expat insurance cost?
This health insurance plan is designed for expatriates affiliated to the CFE, whatever their situation: employees posted abroad, self-employed, freelancers, retirees or families living abroad. It is suitable for all long-term expatriation projects. Gold Expat CFE offers flexible cover for the most frequent medical needs, while respecting your budget.
It couldn’t be simpler. All you need to do is complete an application form, a medical questionnaire, a copy of your passport and a bank details form. Once your application has been validated, your international health insurance comes into effect, with immediate coverage for emergencies. You can then easily manage your reimbursements via our personal online space.
