Temporary or long term contract?
The choice of the type of contract, that is to say a temporary or long-term expatriate insurance, is very important insofar as the contractual structure varies greatly. Each addressed a very different type of need.
Do not be fooled by the attractive rates of travel or temporary expatriate insurance. If your stay is longer than 12 months, the risks are important.
The necessities of an expatriate are very different from those of a temporary traveler for a very simple reason. At the end of a stay, a temporary traveler you will return to the French system, such as social security. Expats will not.
An expatriate will stay for several years or even spend their whole life abroad. The expatriate insurance contract must be able to evolve according to these needs (family, retirement). It may need to follow someone should they change country, propose a lifetime coverage, and an automatic renovation, independent of the person’s state of health!
Expatriate insurance: temporary contract (- 12 months)
In which cases should I take out a temporary contract?
If you spend less than a year abroad before returning to France.In this case your expatriate insurance will need to be temporary, and the guarantees will correspond to a very clear need: health insurance, repatriation assistance, luggage insurance, civil liability.
No maternity or optical / dental coverage (except in case of accident)!
It is understood that when your stay ends, you will no longer need your expatriate insurance and will return to the French system.
If you know that your stay will be for more than 12 months, prior to your departure, it is essential that you opt for a long-term expatriate insurance, instead of taking out a temporary insurance, even if the latter solution can be less expensive!
Why is it not cheaper to simply just renew my temporary expatriate insurance?
If during the duration of the first temporary contract, you have health problems (illness, accident, hospitalization, etc.) that require a medical follow-up or may have future consequences, the insurance will refuse to renovate your temporary expatriate contract. And others may refuse to insure you. And no other will accept to insure you!
You will have two choices:
- living abroad without insurance
- going back to France
That’s why these contracts are cheaper, they do not take on risks beyond the terms of the contract!
I leave more than a year but in different countries, what contract do I have to subscribe?
For an insurance coverage need lasting over a year, even involving different countries, we recommend you take out a long-term contract so that the annual renewal is taken care of automatically and without conditions.
What are the key criteria upon which to choose temporary healthcare?
The choice of the product is simpler and the offers are very interesting, generally they offer:
- Medical coverage (hospitalization + routine care)
- Repatriation assistance
- Legal assistance
- Luggage insurance
- Public liability
Expatriate insurance: long-term contract (more than 12 months)
The needs of an expatriate differ considerably from that of a traveler or trainee, which is why our expatriate insurance contracts must offer characteristics adapted to long-term stays.
Your insurance options
Our partners present a range of guarantees ranging from the most basic to the most complete by proposing interesting options called providence.
We assist you in choosing your insurance and your options. We remain present throughout the duration of your contract.
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