Gold Expat 1st Euro: your complete expat health insurance
Enjoy expat health insurance from the first euro, simple and effective, without CFE.
Are you moving abroad, or are you already living there ? Are you looking for expat health insurance that covers you effectively, from the very first euro you spend ? The Gold Expat 1st Euro plan is made for you.
This international health insurance is designed for expatriates who want a policy without membership of the CFE (Caisse des Français de l’Étranger), with an excellent benefits-to-price ratio. Gold Expat 1st Euro offers three levels of medical cover to suit all profiles : young professionals, families, retirees or self-employed workers abroad.
And if you are affiliated with the CFE, or plan to be, you can also choose our complementary Gold Expat CFE insurance.
Choose the expatriate health insurance that fits your situation
Expatriate Insurance
Gold Expat Access
1st Euro
Cost-effective medical coverage
Economical expatriate insurance with balanced cover.
From
93€
- 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
1st Euro
Balanced international health insurance
Expatriate insurance with a good cover/price ratio and high levels of coverage.
From
107€
- 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
1st Euro
The most comprehensive expatriate insurance!
Expatriate insurance with superior coverage.
From
138€
- 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
Do you have a question about our health insurance? Let's talk!
Who is Gold Expat 1st Euro designed for ?
Gold Expat 1st Euro is designed for anyone who wants to live, work, or settle abroad long-term with international expat health insurance that is flexible and effective from the first euro spent. This solution suits many expat profiles, whatever your plan, destination or budget.
If you’re planning to live outside your home country for several months or years, first-euro expat health insurance offers effective protection against the often high cost of healthcare abroad. In countries such as the United States or Singapore, the price of a hospital stay or a medical consultation can quickly run into several thousand euros per day.
Gold Expat 1st Euro covers eligible expenses up to 100% for hospitalisation and up to 90% for routine (outpatient) medical care, depending on the plan you choose. For hospital treatment, direct settlement may be arranged so you don’t necessarily have to pay upfront, subject to the policy terms and, where required, prior approval. What’s more, your expat health cover can be tailored to your destination, helping you access appropriate reimbursement levels worldwide.
Expatriate families often have specific needs: children’s care, specialist appointments, dental and optical cover, maternity and preventive healthcare. Gold Expat 1st Euro offers comprehensive expat health insurance that you can extend with optional benefits such as maternity, dental or optical care, and prevention and wellbeing cover.
Each family member benefits from protection that can be adjusted to your needs, making it easier to access care in unfamiliar healthcare systems while keeping your expat health insurance budget under control. This gives families real peace of mind when unexpected medical issues arise far from home.
Reliable international health insurance is essential for posted (seconded) workers, freelancers and self-employed professionals. When you’re working abroad, accidents and illness can happen at any time, and the cost of care can add up quickly.
Gold Expat 1st Euro can cover outpatient treatment, hospitalisation, and, depending on the options selected, repatriation assistance, while allowing you to choose your doctors and medical facilities. With high annual limits and efficient reimbursements, this expat policy can be aligned with your professional situation, whether you’re abroad for a fixed-term assignment or on a longer-term basis.
Expatriate seniors and retirees often require more extensive cover, including chronic condition follow-up, access to specialists and preventive care. Gold Expat 1st Euro provides expat health insurance that covers a wide range of treatments and may include cover for pre-existing conditions, subject to the terms of the contract and, where applicable, medical underwriting/acceptance.
This insurance helps seniors live abroad with greater peace of mind, without relying solely on local systems that may be expensive, limited or difficult to navigate. With clear benefits and streamlined claims handling, you are better protected against the uncertainties of healthcare abroad.
Gold Expat 1st Euro is suitable for anyone who wants high-performing international health insurance, without going through a mandatory scheme, and adjustable to your country of residence and budget. Before subscribing, you can consult our resources to find out how much expat insurance costs or benefit from our guidance to choose the right expat insurance, so you select the plan that best fits your project.
Compare our expat health insurance plans from the 1st euro
Find the expat insurance plan best suited to your situation with our detailed comparison table. Whether you are going abroad for a few months or several years, our summary lets you compare cover levels at a glance: hospitalisation, routine medical care, medical emergencies, maternity, dental and optical care, civil liability, repatriation assistance and much more.
Leave nothing to chance. Choose now international health insurance for expatriates that covers your real needs, fits your budget and supports you effectively, whatever your destination.
Why choose Mondassur for your expatriate insurance?
Worldwide coverage in +190 countries
We cover your health worldwide. Whether you live in North America, Asia or Africa, your expat insurance protects you against unexpected medical and hospital costs and emergencies, even far from your home country.
Multilingual assistance available 24/7
Our team of experts speaks your language and stays by your side 24 hours a day, 7 days a week, wherever you are. Whenever you need help, we respond quickly to guide you through medical or administrative steps abroad.
An efficient assistance platform that is easy to access
Thanks to our digital platform, you can easily access your member area, reimbursements, certificates and medical assistance. We streamline the management of your international health insurance, so you spend less time on admin and more time enjoying life abroad.
International insurance expertise for more than 20 years
For over two decades, we have supported expatriates worldwide. Our experience allows us to design products such as Gold Expat 1st Euro that combine comprehensive benefits, transparent pricing and personalised advice.
Frequently asked questions about expatriate health insurance
To live abroad, choose expat health insurance designed to cover you continuously in your destination country. Unlike travel insurance, it includes hospitalisation, routine medical care, pharmacy and, depending on options, maternity, dental or optical cover.
The Gold Expat 1st Euro policy reimburses you from the first euro spent, without going through French Social Security or the CFE. You get free access to private facilities and fast reimbursement. Whether you are an expatriate, retiree, self-employed or moving with your family, it is a reliable and comprehensive solution.
The cost of expat health insurance depends on several factors: age, country of residence, level of cover and selected options. With Gold Expat 1st Euro, prices start from €93 per month.
This price includes solid cover: hospitalisation at 100%, routine medical care, 24/7 assistance, with no excess. The policy adapts to your destination and your needs. Get a personalised quote to estimate the cost precisely for your situation.
A first-euro insurance plan, like Gold Expat, reimburses your medical care directly, without going through a base provider such as the CFE. It’s simple, fast and often more advantageous abroad.
By contrast, a complementary CFE expat insurance plan works in two steps : the CFE reimburses part of the costs, then the top-up covers the remainder according to the benefits you chose. It’s useful if you want to keep a link with the French Social Security system, but it requires more steps.
Your expat insurance should cover at minimum:
- hospitalisation
- routine medical care
- emergencies
- medications
- repatriation assistance
As options, add : dental care, optical care, maternity, complementary medicine or international civil liability. With Gold Expat 1st Euro, you build your cover according to your needs, country of residence and budget.
Although not always legally required, international health insurance remains essential for expatriates. Some countries require proof of insura
Even if it is not always legally mandatory, international health insurance remains essential for an expatriate. Some countries require proof of insurance to obtain a visa or residence permit.
Without cover, you may have to pay very high medical costs upfront. With insurance like Gold Expat, you are financially protected and benefit from immediate support in an emergency. Prevention is better than cure !
