Gold Expat CFE : the complementary expatriate insurance for CFE
Reinforce your CFE coverage with comprehensive, modular international health insurance.
Are you living or working abroad and affiliated with the CFE (Caisse des Français de l’Étranger)? A complementary expatriate insurance plan can significantly improve your reimbursement levels for medical expenses worldwide. By complementing the CFE, you benefit from broader protection for hospitalization, routine care and unexpected treatment, while keeping your budget under control.
With Gold Expat alongside the CFE, you get strong benefits, no deductible and no upfront payment in case of hospitalization, at a competitive price. If you prefer health cover that is fully independent from the CFE, you can also choose an expatriate insurance “1st Euro” plan, ideal to be covered from the very first euro spent, anywhere in the world.
Find the expatriate health insurance that fits your situation
Expatriate Insurance
Gold Expat
Access CFE
Economical health insurance
Economical international health insurance tailored to your expatriation plans.
From
32€
- 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
45€
- 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
68€
- 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
Have a question about our health insurance plans ? Let’s talk !
Who can benefit from Gold Expat CFE insurance ?
Gold Expat CFE is for any expatriate who wants to complement 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 years, moving with your family, on a temporary assignment, or retiring overseas, this plan adapts to your profile, country of residence and budget.
Whether you’ve been living abroad for several years or relocating with your family, Gold Expat CFE provides solid health coverage against medical costs that are often very high outside France. In addition to the CFE, this plan covers the essentials: up to 100% of actual costs for hospitalization and up to 90% for routine care.
Designed for everyone’s peace of mind, it meets each family member’s needs (pediatrics, maternity follow-up, optical, dental) through evolving options that include prevention and well-being. You gain simpler access to private care and keep your budget under control with an excellent guarantees/price ratio, so you can expatriate long-term with confidence.
If you move abroad under an employment contract or as a self-employed professional, reliable international health coverage becomes essential. Gold Expat CFE protects you effectively in case of accidents or illness, with high ceilings, freedom to choose doctors and fast support.
This CFE complementary plan adapts to your professional needs, whether you’re abroad for a short assignment or indefinitely. It also gives you the flexibility to add optional benefits (optical, dental, maternity, etc…) depending on your situation.
Senior expatriates often need specific benefits: chronic condition monitoring, access to specialists and more frequent hospital stays. Gold Expat CFE offers international health insurance for expatriate retirees that covers a wide range of care, including certain pre-existing conditions, subject to medical underwriting approval.
This plan helps you live abroad with peace of mind, without relying solely on a local healthcare system that may be limited or expensive. With clear reimbursements and free access to private care, you stay protected, wherever you are in the world.
This complementary solution alongside the CFE helps you strengthen reimbursement for medical care abroad, benefit from global assistance and enjoy free access to hospitals and doctors internationally.
Choose the CFE health plan that matches your needs abroad
Finding the right CFE complementary expatriate health insurance has never been easier. With our three modular plans : Access, Safe and Premium, you get a reliable international contract, whether you are an employee, self-employed, moving with your family or retiring abroad.
Our comparison helps you quickly see the essential benefits : 100% hospitalization, routine care up to 100%, maternity, pharmacy, repatriation assistance, civil liability and more. You can also activate options like dental, optical or preventive care depending on your needs.
With affordable rates starting from €32/month and worldwide coverage, Gold Expat CFE protects you effectively while respecting your budget. Choose comprehensive international health insurance, compatible with the CFE and adapted to the medical reality of your country of residence.
CFE reimbursement is never fully comprehensive and varies greatly depending on your expatriation country :
- Zone 1: ~67% of the actual cost covered.
- Zones 2 to 5: coverage drops sharply (example: 42% in Mexico, 19% in the USA).
The GoldExpat advantage : our plans step in as a second layer to fill this essential gap and provide coverage up to 100%, helping you avoid significant out-of-pocket expenses.
Examples of countries by CFE reimbursement zones :
- Zone 1: India, Madagascar, Morocco, Tunisia, Cambodia…
- Zone 2: South Africa, Indonesia, Philippines, Vietnam…
- Zone 3: Germany, Australia, Brazil, Canada, 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 in more than 190 countries
We protect your health worldwide. Whether you move to Europe, Asia, the Americas or Africa, our CFE complementary expatriate health insurance covers medical surprises, hospitalizations and emergencies. Wherever you are, you benefit from reliable protection, even far from your home country.
Multilingual assistance 24/7
Our assistance service answers you in your language, day and night. With a responsive and experienced team, we support you at every step: hospitalization, administrative procedures, or health guidance abroad.
A simple, fast digital insured area
With our online platform, you can access your reimbursements, certificates, pre-authorization requests or medical contacts in just a few clicks. We simplify the paperwork so you can focus on your life abroad, not bureaucracy.
20 years of expertise in international health insurance
For more than two decades, Mondassur has supported expatriates in more than 190 countries. This experience allows us to create tailored solutions like Gold Expat CFE, combining strong coverage, adjusted pricing and personalized customer support.
Everything you need to know about CFE expatriate insurance with Mondassur
The CFE (Caisse des Français de l’Étranger) provides a reimbursement base similar to the French Social Security system. However, it only covers part of the medical expenses incurred abroad. A CFE complementary expatriate plan like Gold Expat CFE complements that base by including 100% hospitalization, routine care up to 100%, dental and optical care, maternity, and more.
By combining both, you get comprehensive health coverage, essential in many destinations. To better understand their respective roles, see our dedicated page on how CFE reimbursements work.
It is not a legal obligation, but it is an essential precaution. On its own, the CFE reimburses only part of your care. In countries where medical costs are high, such as the United States or Hong Kong, this coverage remains insufficient. With a CFE complementary expatriate health plan, you benefit from strengthened protection, 24/7 assistance, hospital third-party payment and simplified reimbursement management. To choose the right contract, follow our tips for choosing expatriate insurance.
Pricing varies depending on several factors: your age, country of residence, coverage level and optional benefits. At Mondassur, Gold Expat CFE starts from €32/month, with three levels: Access, Safe and Premium. These plans adjust to your needs, whether you want a budget-friendly or more comprehensive solution. For a precise estimate based on your profile, visit: how much expatriate insurance costs.
This health insurance is designed for CFE-affiliated expatriates, whatever your situation: employees posted abroad, self-employed professionals, freelancers, retirees or families settled overseas. It adapts to long-term expatriation projects. Gold Expat CFE offers modular benefits to cover common medical needs while respecting your budget.
It’s simple. You just need to complete a membership form, a medical questionnaire and provide a copy of your passport and a bank account statement (RIB). Once your file is approved, your international health insurance starts, with immediate coverage for emergencies. You can then manage your reimbursements easily through your personal online area.
