Important & Useful Information

• If you are a French resident and not employed, CMU (Couverture Maladie Universelle : basic State health coverage) is mandatory. All you need is therefore a top up scheme. The same applies if you are an employee or self-employed.
• Some schemes may exclude chronic conditions. This is precisely the time when you need to be covered.
• Sexually transmitted diseases may be excluded. - Full coverage may be subject to time delay whereby some conditions may be excluded for a period of time: i.e. pre-existing conditions, pregnancy, dental, etc.
• If you benefit from State health coverage, the top-up scheme will only reimburse expenses on the condition that the State scheme does first.
• State health schemes may not cover you when travelling, or if they do, only in certain countries and under certain conditions. Take out travel insurance which should include repatriation.