International health insurance for expatriate retirees abroad
Discover our Gold Start, Gold Visa and Gold Expat plans : international health insurance designed for expatriate retirees, with worldwide cover and benefits tailored to your budget !
Are you retiring abroad and looking for international health insurance that covers you properly? After 65, options shrink fast and benefit gaps grow huge. At Mondassur, we help expatriate retirees choose the plan that matches your destination and your profile: Gold Start (mid-range), Gold Visa (balanced) or Gold Expat (comprehensive, available as a First Euro plan or as a CFE top-up, based on your needs). You compare cover levels, benefit limits and useful options, then request your free quote in just a few clicks.
To go further, read our advice on health for seniors and retirees abroad.
Our international health insurance plans for retirees abroad
Expatriate Retirement Health Insurance
Gold Start
Intermediate coverage
International health insurance for your life abroad, with a strong level of benefits at an attractive price.
From
63€
- Worldwide coverage
- Maximum entry age: 70
- Covers hospitalization and routine medical care
- Up to €300,000 per year (€500,000 for the USA)
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate Retirement Health Insurance
Gold Visa
Balanced coverage
Get the best cover at the best price with our Gold Visa insurance, health cover tailored to expatriate retirees abroad.
From
99€
- Worldwide coverage
- Maximum entry age: 75
- Covers hospitalization and routine medical care
- Up to €100,000 per year
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Legal protection
Expatriate Retirement Health Insurance
Gold Expat
Comprehensive coverage
Our most comprehensive international health insurance for expatriates.
From
146€
- Worldwide coverage
- Maximum entry age: 65
- Covers hospitalization and routine medical care
- 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
- 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 !
Why choose Mondassur for your expatriate health insurance abroad ?
Plans designed for expatriate retirees
Choose the level of protection that fits your expatriate retirement plan: Gold Start (mid-range), Gold Visa (balanced) or Gold Expat (comprehensive). You tailor your cover to your age, your destination and your budget, with a clear “retirement abroad” approach (up to age 75 depending on the plan).
Responsive assistance in an emergency
When a medical issue happens, you contact a team that stays available to guide you and support you. You avoid handling emergencies on your own, especially when you live far from your home country.
International health cover built for life abroad
You protect yourself against costs that rise fast internationally: hospitalisation, outpatient care, pharmacy costs and, based on the plan, useful add-ons (dental and optical, prevention, etc.). You leave with consistent cover, not basic “travel” insurance.
Simple steps and a fast quote
You request your free quote online and you receive your information quickly, without unnecessary paperwork. You compare benefits easily and you move forward with confidence in your expatriation plan.
Why take out health insurance for expatriate retirees abroad ?
Sunny destinations naturally attract many expatriate retirees. Among the most popular countries for retiring abroad, people often choose Thailand, Morocco and Portugal, closely followed by the United States (especially Florida, a top choice), Tunisia and Senegal. Other destinations also keep gaining popularity, such as Brazil or Mauritius, which appeals to more and more seniors. If you plan to settle in the sun, discover our expat insurance for Mauritius, designed for international retirement.
Before you leave, check one essential point: many countries require health insurance to obtain a visa or a residence permit. This applies, for example, to retirement insurance in Thailand, where international health insurance is requested to complete your application. Whether you plan to retire in Spain, Vietnam, Portugal or Bali, plan your health cover abroad in advance: these destinations look attractive, medical costs still run high. Some countries deliver excellent care, with prices that exceed what you pay at home, especially for hospital stays.
To help you leave with peace of mind, Mondassur offers international health insurance solutions for retirees, matched to your needs and your destination. You limit unexpected expenses and you enjoy your retirement abroad without worrying about the real cost of care. Our expat health insurance plans cover the essentials: inpatient care, routine medical consultations and prescription drugs, so you secure day-to-day access to care. You gain peace of mind and you focus on what matters: enjoying your new life abroad, with reimbursement of your healthcare expenses. Our teams stay available to support your steps and answer your questions, so your move abroad stays simpler and more reassuring.
Coverage for healthcare costs abroad depends mainly on two factors: your country of origin and your destination country. If you are an EU citizen retiring to another EU country, access to healthcare coverage is usually easier, under the EU principle of free movement.
If you retire outside the European Union, the situation changes. To keep benefiting from your original health cover, many schemes only cover short stays abroad, often under 90 days depending on the rules that apply to your situation. If you settle long-term, you need a dedicated solution, such as insurance for your retirement abroad. Benefits and pricing then vary based on the plan you choose, your age and your destination. As you rarely find a local “mutual” plan that matches your profile, international health insurance for expatriate retirees becomes essential, especially for French citizens living abroad.
By taking out international retiree health insurance with Mondassur, you leave with a lighter mind and you enjoy your retirement abroad fully. Our plans meet the specific needs of expatriate retirees, with cover that stays both comprehensive and flexible. Depending on your plan, you protect what matters most: hospitalisation, routine medical care and, if needed, additional benefits such as dental care. Mondassur focuses on effective protection, wherever you live in the world.
You also benefit from human support: Mondassur provides responsive, personalised customer service. Our advisors answer your questions and help you choose a solution that fits your situation and your country of residence. By choosing Mondassur, you secure your healthcare budget and you improve your quality of life during your time abroad. Contact us today to learn more about our international health insurance solutions for expatriate retirees.
Your years worked abroad count towards your pension calculation when your country of origin has signed a bilateral social security or pension agreement with the country where you worked. In practical terms, these agreements recognise your periods of work abroad and make it easier to validate entitlements (for example, quarters completed abroad), under the rules defined by the agreement.
For France, several countries have signed agreements that recognise contributions paid abroad, depending on your situation and career path. Here are the countries concerned, grouped by continent:
- Asia: South Korea, India, Israel, Japan, Philippines.
- Africa: Algeria, Benin, Cameroon, Cape Verde, Congo, Côte d’Ivoire, Gabon, Mali, Morocco, Mauritania, Niger, Senegal, Togo, Tunisia.
- Americas: Argentina, Brazil, Canada, Chile, United States, Quebec, Saint Pierre and Miquelon.
- Europe: Andorra, Bosnia and Herzegovina, Guernsey, Isle of Man, Jersey, Kosovo, North Macedonia, Monaco, Montenegro, Saint Martin, Serbia, Turkey.
- Oceania: New Caledonia, French Polynesia.
One important point: rules prevent stacking multiple agreements. In practice, the calculation includes periods completed in only one additional country, alongside your country of origin. Some flexibility exists when that country also has agreements with your country of origin and with another country where you worked. In that case, specific situations allow more favourable recognition of an international career, depending on the agreements in place and your file.
If you want more comprehensive international health insurance to live your retirement abroad with peace of mind, Mondassur offers the Gold Start range. This plan covers you up to €300,000 per year, with coverage stated at 100% for hospitalisation and 80% for outpatient care. You secure the biggest healthcare cost drivers abroad, while keeping a strong balance between benefits and budget.
By choosing Gold Start expat health insurance, you protect yourself long-term, whatever country you decide to call home. Europe, Asia, the Americas, your international health insurance for expatriate retirees supports you against medical costs that rise quickly abroad. You avoid unpleasant surprises, you control your healthcare spending and you focus on what matters: enjoying your new life and exploring new horizons without financial stress.
With Mondassur, you also benefit from human support. Our customer service stays responsive and personalised, and our advisors answer your questions Monday to Friday, from 9am to 6pm. We understand the specific needs of expatriate retirees and we help you choose a solution that matches your destination and your situation.
Secure your plan now: contact Mondassur today to learn more about the Gold Start plan and request your quote. You leave better protected and you plan your retirement abroad with greater peace of mind.
Our international health insurance partners
Everything you need to know about health insurance for expatriate retirees abroad
For a long-term move, choose international health insurance designed for living abroad, not only for tourism. Focus on the benefits that weigh most on your budget: hospitalisation, outpatient care, tests, pharmacy and assistance. Also check the area of cover (worldwide, worldwide excluding USA, including USA), annual limits and the maximum entry age.
CFE (Caisse des Français de l’Étranger) can serve as a reimbursement base, it does not always cover the full real cost of care in certain countries (especially where medical costs run high). First Euro insurance pays for your care directly, without going through the CFE. Many retirees compare two approaches: a standalone First Euro cover, or a top-up plan that strengthens reimbursement. If you hesitate, this guide explains both clearly and helps you choose based on your profile: What is the difference between CFE and a top-up insurance plan ?
In some countries, yes: authorities require health insurance to grant a visa, a residence permit or a “retiree” status. Even when it is not mandatory, it remains strongly recommended, because an ER visit or a hospital stay can cost a lot, especially in private facilities. Before you leave, always check the official requirements of your destination. Thailand is one of the countries where authorities request health insurance as part of the process, discover more information about our Thailand health insurance.
It depends on the contract terms: some plans cover pre-existing conditions, others exclude them or apply strict rules (medical questionnaire, waiting periods, specific caps). Before you subscribe, read the exact definition of “pre-existing,” the exclusions, any waiting periods and reimbursement levels for ongoing care (consultations, tests, prescription drugs). If you follow regular treatment, this point becomes essential to avoid surprises once abroad.
Reimbursement varies depending on your country of origin, your country of residence and your chosen cover (local scheme, CFE, top-up, First Euro). Within the European Union, access is often simpler depending on your situation. Outside the EU, costs can be high and local health plans rarely offer an equivalent solution for an expatriate retiree. International health insurance helps you anticipate these costs, avoid paying large amounts upfront and secure your budget, especially for hospitalisation.
