{"id":28926,"date":"2022-06-20T09:47:00","date_gmt":"2022-06-20T06:47:00","guid":{"rendered":"https:\/\/expat-assurance.com\/?p=28926"},"modified":"2025-06-10T09:41:04","modified_gmt":"2025-06-10T06:41:04","slug":"assurance-1er-euro","status":"publish","type":"post","link":"https:\/\/expat-assurance.com\/fr\/assurance-sante\/assurance-1er-euro\/","title":{"rendered":"L&#8217;assurance au 1er euro [Le\u00a0guide\u00a0pour\u00a0bien\u00a0comprendre l&#8217;assurance sant\u00e9 pr\u00e9f\u00e9r\u00e9e des expatri\u00e9s]"},"content":{"rendered":"\n<p>Lors d\u2019une expatriation ou d\u2019un <a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante-internationale\/assurance-long-sejour-etranger\/\">long s\u00e9jour \u00e0 l\u2019\u00e9tranger<\/a>, les Fran\u00e7ais ne sont plus couverts par la S\u00e9curit\u00e9 sociale. Il est d\u00e8s lors indispensable de s\u2019interroger concernant la prise en charge de ses soins de sant\u00e9, quelle que soit la destination.<\/p>\n\n\n\n<p>Bien qu\u2019il existe plusieurs m\u00e9thodes pour couvrir sa sant\u00e9 en tant qu\u2019expatri\u00e9, l\u2019<strong>assurance au 1er euro<\/strong> est la solution qui offre le plus d\u2019avantages.<\/p>\n\n\n\n<p>D\u00e9couvrez tout ce qu\u2019il faut savoir sur ce type d\u2019<a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante\/assurance-sante-internationale\/\" target=\"_blank\" rel=\"noreferrer noopener\">assurance sant\u00e9 internationale<\/a> afin de partir sereinement et profiter pleinement de votre expatriation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">TL;DR<\/h2>\n\n\n\n<ul>\n<li>L&#8217;assurance au 1er euro offre une couverture sant\u00e9 internationale qui rembourse les frais de sant\u00e9 \u00e0 hauteur r\u00e9elle des frais d\u00e9pens\u00e9s et d\u00e8s le premier euro engag\u00e9<\/li>\n\n\n\n<li>Personnalisable en fonction de la destination et des besoins<\/li>\n\n\n\n<li>Ses avantages : flexibilit\u00e9, interlocuteurs francophones, bon rapport qualit\u00e9-prix, r\u00e9seau de soins \u00e0 l&#8217;\u00e9tranger<\/li>\n\n\n\n<li>Ses inconv\u00e9nients : questionnaire m\u00e9dical obligatoire \u00e0 l&#8217;adh\u00e9sion et rupture avec la S\u00e9curit\u00e9 sociale fran\u00e7aise<\/li>\n\n\n\n<li>Les garanties incluent hospitalisation, m\u00e9decine courante et responsabilit\u00e9 civile, avec des options pour soins dentaires\/optiques, maternit\u00e9, et assistance\/<a href=\"https:\/\/expat-assurance.com\/fr\/assurance-expatrie\/assurance-rapatriement-international\/\">rapatriement<\/a><\/li>\n\n\n\n<li>Le prix d&#8217;une assurance d\u00e9pend de plusieurs facteurs et l&#8217;utilisation d&#8217;un comparateur est recommand\u00e9e pour trouver la meilleure offre personnalis\u00e9e.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-qu-une-assurance-au-1er-euro\">Qu\u2019est-ce qu\u2019une assurance au 1er euro&nbsp;?<\/h2>\n\n\n\n<p>Les assurances au 1er euro sont des <strong>assurances priv\u00e9es sp\u00e9cifiquement con\u00e7ues pour les expatri\u00e9s fran\u00e7ais \u00e0 la recherche d\u2019une couverture sant\u00e9 internationale<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Une telle assurance <strong>prend en charge les frais de sant\u00e9 d\u00e8s le premier euro d\u00e9pens\u00e9<\/strong> et permet d\u2019<strong>\u00eatre rembours\u00e9 \u00e0 100 % des montants r\u00e9ellement d\u00e9pens\u00e9s<\/strong>.<\/p>\n\n\n\n<p>Il s\u2019agit de la solution d\u2019assurance maladie la plus r\u00e9pandue chez les expatri\u00e9s, notamment gr\u00e2ce \u00e0 sa simplicit\u00e9 et \u00e0 sa flexibilit\u00e9.<\/p>\n\n\n\n<p>Les offres sont personnalisables et comprennent <strong>plusieurs niveaux de couvertures<\/strong> m\u00e9dicales qui s&#8217;adaptent \u00e0 la situation de chaque assur\u00e9.<\/p>\n\n\n\n<p>Le choix de la meilleure formule d\u2019assurance au 1er euro d\u00e9pend de plusieurs \u00e9l\u00e9ments&nbsp;:<\/p>\n\n\n\n<ul>\n<li>Le pays de destination (qualit\u00e9 et prix des soins de sant\u00e9 sur place, fonctionnement du syst\u00e8me d\u2019assurance maladie locale, etc.)<\/li>\n\n\n\n<li>La dur\u00e9e du s\u00e9jour<\/li>\n\n\n\n<li>Les besoins sp\u00e9cifiques de l\u2019expatri\u00e9 (\u00e9tat de sant\u00e9, \u00e2ge, situation familiale et professionnelle, activit\u00e9s pr\u00e9vues sur place, etc.).<\/li>\n<\/ul>\n\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"17174\" class=\"elementor elementor-17174\">\n\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0048208 elementor-section-height-min-height tarrifs-new-section breakoutBlueSection elementor-section-items-stretch elementor-section-boxed elementor-section-height-default\" data-id=\"0048208\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8db35ce\" data-id=\"8db35ce\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a8a550 titlebeforeLineBlock elementor-hidden-mobile elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0a8a550\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-573e37a breakoutTitleBlock elementor-widget elementor-widget-heading\" data-id=\"573e37a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fini la gal\u00e8re avec votre assurance sant\u00e9 \u00e0 l\u2019\u00e9tranger!<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-002700b traficBenefitsListBlock elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"002700b\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Notre expert vous aide \u00e0 choisir la meilleure assurance sant\u00e9 internationale<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51e2acf traficBenefitsListBlock elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"51e2acf\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-square-full\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Rejoignez les 5000 familles d\u2019expatri\u00e9s fran\u00e7ais qui nous font confiance<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0406628 elementor-hidden-mobile elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0406628\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-622ca86 elementor-star-rating--align-left breakoutRatingBlock elementor--star-style-star_fontawesome elementor-widget elementor-widget-star-rating\" data-id=\"622ca86\" data-element_type=\"widget\" data-widget_type=\"star-rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-star-rating__wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-star-rating__title\">Satisfaction client:<\/div>\n\t\t\t\t\t\t<div class=\"elementor-star-rating\" title=\"4.7\/5\" itemtype=\"http:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\"><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-full\">&#xE933;<\/i><i class=\"elementor-star-7\">&#xE933;<\/i> <span itemprop=\"ratingValue\" class=\"elementor-screen-only\">4.7\/5<\/span><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-901c47e\" data-id=\"901c47e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe95181 elementor-align-right buttonTarifsTwoWidgetBlock elementor-widget-mobile__width-inherit elementor-mobile-align-left elementor-widget elementor-widget-button\" data-id=\"fe95181\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6MTg2MzIsInRvZ2dsZSI6ZmFsc2V9\" target=\"_blank\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\" id=\"open-popup\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Parler \u00e0 un conseiller<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-avantages-a-souscrire-une-assurance-expatrie-au-1er-euro\">Les avantages \u00e0 souscrire une assurance expatri\u00e9 au 1er euro<\/h3>\n\n\n\n<p>Pour partir \u00e0 l\u2019\u00e9tranger, \u00eatre couvert par une assurance au 1er euro offre de nombreux avantages&nbsp;:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-1-flexibilite\">1. Flexibilit\u00e9<\/h4>\n\n\n\n<p>Le principal avantage de l\u2019assurance expatri\u00e9 au 1er euro est la <strong>flexibilit\u00e9 offerte \u00e0 l\u2019assur\u00e9<\/strong>. Il est, en effet, possible de <strong>personnaliser les garanties en fonction de ses besoins r\u00e9els et du pays de destination<\/strong>.<\/p>\n\n\n\n<p>Une personne qui se rend au N\u00e9pal pour l&#8217;ascension d\u2019un des plus hauts sommets du monde n\u2019a pas les m\u00eames besoins qu\u2019une personne qui va surfer au Br\u00e9sil. Le premier doit opter pour une couverture incluant les risques li\u00e9s \u00e0 l\u2019alpinisme, tandis que le second a besoin d\u2019une couverture sp\u00e9cifique pour la pratique du surf.<\/p>\n\n\n\n<p>En outre, <strong>les assurances au 1er euro offrent la possibilit\u00e9 de souscrire certaines garanties qui d\u00e9passent le registre m\u00e9dical<\/strong>. Il peut s\u2019agir, par exemple, d\u2019une assistance juridique ou d\u2019une assistance en cas de perte ou de vol de bagages.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-interlocuteurs-francophones\">2. Interlocuteurs francophones<\/h4>\n\n\n\n<p>La <strong>gestion du contrat et de toutes les d\u00e9marches se font int\u00e9gralement en fran\u00e7ais<\/strong> avec un unique interlocuteur. Cela permet de simplifier grandement les demandes de remboursement et d\u2019obtenir des r\u00e9ponses claires en cas de besoin.<\/p>\n\n\n\n<p>L\u2019assur\u00e9 peut ainsi vivre sereinement et ne doit pas se pr\u00e9occuper de conna\u00eetre les sp\u00e9cificit\u00e9s du syst\u00e8me de sant\u00e9 du pays d&#8217;accueil. De plus, il est rassurant de pouvoir s\u2019exprimer en fran\u00e7ais \u00e0 propos d\u2019un sujet aussi important que sa sant\u00e9 et celle de ses proches. Il n\u2019est ainsi pas n\u00e9cessaire de ma\u00eetriser la langue locale.<\/p>\n\n\n\n<p>Notez \u00e9galement que la plupart des compagnies d\u2019assurance proposent un acc\u00e8s \u00e0 une application en ligne et \u00e0 un service d\u2019assistance t\u00e9l\u00e9phonique francophone. La gestion du contrat et des \u00e9ventuelles demandes de remboursement sont simples et rapides.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-3-bon-rapport-qualite-prix\">3. Bon rapport qualit\u00e9-prix<\/h4>\n\n\n\n<p>Le montant des cotisations pour une assurance au 1er euro est g\u00e9n\u00e9ralement moins \u00e9lev\u00e9 que celui des <a href=\"https:\/\/expat-assurance.com\/fr\/caisse-francais-etranger\/cotisation-caisse-francais-etranger\/\" target=\"_blank\" rel=\"noreferrer noopener\">cotisations \u00e0 la Caisse des Fran\u00e7ais de l\u2019\u00c9tranger (CFE)<\/a>.<\/p>\n\n\n\n<p>De plus, les montants des remboursements pris en charge sont largement sup\u00e9rieurs. Ces derniers ne d\u00e9pendent pas des bar\u00e8mes impos\u00e9s par la S\u00e9curit\u00e9 sociale. Avec une assurance sant\u00e9 au 1er euro, <strong>vous \u00eates rembours\u00e9 \u00e0 hauteur des frais r\u00e9els engag\u00e9s<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-reseau-de-soin-a-l-etranger\">4. R\u00e9seau de soin \u00e0 l\u2019\u00e9tranger<\/h4>\n\n\n\n<p>Les compagnies d\u2019assurance qui proposent des assurances au 1er euro disposent g\u00e9n\u00e9ralement de partenariats avec des r\u00e9seaux de praticiens locaux.<\/p>\n\n\n\n<p>Ainsi, les assur\u00e9s peuvent b\u00e9n\u00e9ficier&nbsp;:<\/p>\n\n\n\n<ul>\n<li>De tarifs avantageux et d\u2019une exemption d\u2019avance de frais d&#8217;hospitalisation<\/li>\n\n\n\n<li>D\u2019une prise en charge m\u00e9dicale dans une structure fiable<\/li>\n\n\n\n<li>D\u2019un accompagnement par des praticiens francophones<\/li>\n\n\n\n<li>Etc.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-5-l-expertise-des-compagnies-d-assurance-a-l-international\">5. L\u2019expertise des compagnies d\u2019assurance \u00e0 l\u2019international<\/h4>\n\n\n\n<p>Les assur\u00e9s b\u00e9n\u00e9ficient d\u2019une prise en charge m\u00e9dicale optimale gr\u00e2ce \u00e0 l\u2019expertise des compagnies d\u2019assurance qui proposent des offres au 1er euro. Ces derni\u00e8res connaissent, en effet, les particularit\u00e9s locales de chaque pays et savent comment g\u00e9rer des situations d\u2019urgence.<\/p>\n\n\n\n<p>Par exemple, le transfert vers un \u00e9tablissement qui dispose d&#8217;infrastructures m\u00e9dicales de qualit\u00e9 ou le rapatriement de l\u2019assur\u00e9 sont grandement simplifi\u00e9s.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"735\" src=\"https:\/\/expat-assurance.com\/wp-content\/uploads\/2022\/06\/assurance-sante-internationale-1er-euro-1024x735.jpeg\" alt=\"Bien choisir son assurance sant\u00e9 internationale au 1er euro\" class=\"wp-image-38945\" srcset=\"https:\/\/expat-assurance.com\/wp-content\/uploads\/2022\/06\/assurance-sante-internationale-1er-euro-1024x735.jpeg 1024w, https:\/\/expat-assurance.com\/wp-content\/uploads\/2022\/06\/assurance-sante-internationale-1er-euro-300x215.jpeg 300w, https:\/\/expat-assurance.com\/wp-content\/uploads\/2022\/06\/assurance-sante-internationale-1er-euro-768x551.jpeg 768w, https:\/\/expat-assurance.com\/wp-content\/uploads\/2022\/06\/assurance-sante-internationale-1er-euro.jpeg 1209w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-les-inconvenients-de-l-assurance-sante-1er-euro\">Les inconv\u00e9nients de l\u2019assurance sant\u00e9 1er euro<\/h3>\n\n\n\n<p>Toutefois, les assurances au 1er euro pr\u00e9sentent quelques inconv\u00e9nients qu\u2019il est important de conna\u00eetre&nbsp;:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-1-le-questionnaire-medical\">1. Le questionnaire m\u00e9dical<\/h4>\n\n\n\n<p>L\u2019inconv\u00e9nient majeur d\u2019une assurance sant\u00e9 au 1er euro est le <strong>questionnaire m\u00e9dical obligatoire au moment de l\u2019adh\u00e9sion<\/strong>.<\/p>\n\n\n\n<p>Celui-ci peut entra\u00eener une <strong>augmentation des primes ou l\u2019exclusion de certaines garanties<\/strong> en cas de pr\u00e9existences ou d\u2019ant\u00e9c\u00e9dents m\u00e9dicaux.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-la-rupture-avec-la-securite-sociale\">2. La rupture avec la S\u00e9curit\u00e9 sociale<\/h4>\n\n\n\n<p>Notez \u00e9galement que ce type d\u2019assurance entra\u00eene une <strong>rupture avec la S\u00e9curit\u00e9 sociale<\/strong> lorsque le voyageur s\u00e9journe plus de trois mois \u00e0 l\u2019\u00e9tranger. Cela signifie qu&#8217;il ne pourra pas retrouver imm\u00e9diatement son affiliation \u00e0 la couverture sociale fran\u00e7aise d\u00e8s son retour en France.<\/p>\n\n\n\n<p>Une <strong>p\u00e9riode de trois mois de r\u00e9sidence en France est requise<\/strong> afin de pouvoir b\u00e9n\u00e9ficier \u00e0 nouveau de la couverture fran\u00e7aise. L\u2019assur\u00e9 reste cependant couvert par son assurance internationale sur le territoire fran\u00e7ais tant qu\u2019il paye les cotisations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-quelles-sont-les-garanties-offertes-par-une-assurance-au-1er-euro\">Quelles sont les garanties offertes par une assurance au 1er euro&nbsp;?<\/h2>\n\n\n\n<p>Les garanties offertes par une assurance sant\u00e9 au 1er euro varient en fonction de la compagnie d\u2019assurance et de la formule choisie. Il s\u2019agit, en effet, d\u2019une <strong>solution sur-mesure<\/strong> qui est <strong>modulable en fonction des besoins sp\u00e9cifiques de chaque expatri\u00e9<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-quelles-sont-les-garanties-de-base-couvertes-par-une-assurance-au-1er-euro\">Quelles sont les garanties de base couvertes par une assurance au 1er euro ?<\/h3>\n\n\n\n<p>Les formules de base couvrent les prestations suivantes&nbsp;:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Garanties<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Exemples de prestations<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Hospitalisation<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">&#8211; Chambre d\u2019h\u00f4pital particuli\u00e8re<br>&#8211; Hospitalisation de jour et d\u2019urgence<br>&#8211; Soins intensifs et interventions chirurgicales<br>&#8211; Analyse sanguine<br>&#8211; IRM<br>&#8211; Radiologie<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>M\u00e9decine courante<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">&#8211; Consultations de m\u00e9decins g\u00e9n\u00e9ralistes et de sp\u00e9cialistes<br>&#8211; Soins infirmiers<br>&#8211; M\u00e9dicaments prescrits<br>&#8211; Psychiatrie<br>&#8211; Soins dentaires et optiques d\u2019urgence<br>&#8211; Bilan de sant\u00e9<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Responsabilit\u00e9 civile<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">&#8211; Dommages corporels<br>&#8211; Dommages mat\u00e9riels<br>&#8211; Assistance en cas de perte ou de vol de moyens de paiement<br>&#8211; Assistance juridique<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-garanties-facultatives-proposees-avec-une-assurance-au-1er-euro\">Garanties facultatives propos\u00e9es avec une assurance au 1er euro<\/h3>\n\n\n\n<p>Trois formules optionnelles sont \u00e9galement propos\u00e9es aux expatri\u00e9s en compl\u00e9ment de l\u2019offre de base&nbsp;:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Garanties<\/strong><\/th><th class=\"has-text-align-left\" data-align=\"left\"><strong>Exemples de prestations<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Soins dentaires et optiques<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">&#8211; Soins dentaires courants<br>&#8211; Proth\u00e8ses et implants dentaires<br>&#8211; Orthodontie<br>&#8211; Verres et montures<br>&#8211; Consultation d\u2019un ophtalmologiste<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Maternit\u00e9<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">&#8211; Cours de pr\u00e9paration \u00e0 l\u2019accouchement<br>&#8211; Accouchement avec ou sans complications<br>&#8211; Soins avant et apr\u00e8s l\u2019accouchement<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Assistance et rapatriement<\/strong><\/td><td class=\"has-text-align-left\" data-align=\"left\">&#8211; Vol ou perte de bagages<br>&#8211; Assistance en cas de vol ou de perte de moyens de paiement ou de documents d\u2019identit\u00e9<br>&#8211; Transport en zone s\u00e9curis\u00e9e ou retour anticip\u00e9 en cas de catastrophe naturelle<br>&#8211; Retour anticip\u00e9 en cas de d\u00e9c\u00e8s d\u2019un membre de la famille de l\u2019assur\u00e9<br>&#8211; Accompagnement de l&#8217;assur\u00e9 par un proche en cas d\u2019hospitalisation<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Notez que <strong>le remboursement de certaines prestations n\u2019est pas pris en charge \u00e0 100&nbsp;%<\/strong>. Il est important de prendre le temps de <strong>lire les conditions g\u00e9n\u00e9rales du contrat d\u2019assurance afin de conna\u00eetre les plafonds<\/strong> pour chaque prestation.<\/p>\n\n\n\n<p>Il est \u00e9galement n\u00e9cessaire de comparer les diff\u00e9rentes offres en fonction de la limite annuelle de d\u00e9penses prise en charge par assur\u00e9. Celle-ci varie g\u00e9n\u00e9ralement de 250&nbsp;000&nbsp;\u20ac \u00e0 une prise en charge illimit\u00e9e avec les formules les plus compl\u00e8tes.<\/p>\n\n\n\n<p>Une expatriation aux USA, o\u00f9 les frais de sant\u00e9 sont extr\u00eamement co\u00fbteux, n\u00e9cessite par exemple un plafond annuel tr\u00e8s \u00e9lev\u00e9. Le choix de la meilleure formule d\u00e9pend donc fortement du pays de destination.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/expat-assurance.com\/wp-content\/uploads\/2022\/06\/assurance-expatrie-1er-euro-1024x683.jpeg\" alt=\"L'importance d'\u00eatre couvert par une assurance expatri\u00e9 au 1er euro\" class=\"wp-image-38939\" srcset=\"https:\/\/expat-assurance.com\/wp-content\/uploads\/2022\/06\/assurance-expatrie-1er-euro-1024x683.jpeg 1024w, https:\/\/expat-assurance.com\/wp-content\/uploads\/2022\/06\/assurance-expatrie-1er-euro-300x200.jpeg 300w, https:\/\/expat-assurance.com\/wp-content\/uploads\/2022\/06\/assurance-expatrie-1er-euro-768x512.jpeg 768w, https:\/\/expat-assurance.com\/wp-content\/uploads\/2022\/06\/assurance-expatrie-1er-euro.jpeg 1254w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-combien-coute-une-assurance-sante-au-1er-euro\">Combien co\u00fbte une assurance sant\u00e9 au 1er euro&nbsp;?<\/h2>\n\n\n\n<p>Le montant des cotisations pour une assurance maladie pour expatri\u00e9s au 1er euro varie en fonction de nombreux facteurs&nbsp;:<\/p>\n\n\n\n<ul>\n<li><strong>La formule choisie avec le niveau et le nombre de garanties<\/strong><\/li>\n\n\n\n<li><strong>L\u2019\u00e9tat de sant\u00e9 g\u00e9n\u00e9ral et l\u2019\u00e2ge de l\u2019assur\u00e9<\/strong><\/li>\n\n\n\n<li><strong>La situation familiale<\/strong> (nombre de personnes \u00e0 couvrir)<\/li>\n\n\n\n<li>Etc.<\/li>\n<\/ul>\n\n\n\n<p>Plus les garanties sont nombreuses et les plafonds de remboursement \u00e9lev\u00e9s, plus le montant des cotisations est \u00e9lev\u00e9.<\/p>\n\n\n\n<p>Pour trouver la bonne assurance sant\u00e9 au 1er euro et conna\u00eetre les prix, la solution la plus simple consiste \u00e0 <a href=\"https:\/\/comparateur.expat-assurance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">utiliser gratuitement un comparateur<\/a>. Vous pourrez ainsi analyser les diff\u00e9rentes offres personnalis\u00e9es des compagnies d\u2019assurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Questions fr\u00e9quentes sur l&#8217;assurance au 1er euro<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1706801041790\"><strong class=\"schema-faq-question\">Pourquoi souscrire une assurance au 1er euro plut\u00f4t qu&#8217;\u00e0 la CFE\u00a0?<\/strong> <p class=\"schema-faq-answer\">Pour obtenir de meilleurs remboursements. Les remboursements effectu\u00e9s par la<a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante\/caisse-francais-etranger\/\" target=\"_blank\" rel=\"noreferrer noopener\"> CFE<\/a> sont calcul\u00e9s en fonction des prix fran\u00e7ais, qui sont souvent en de\u00e7\u00e0 des prix souvent pratiqu\u00e9s \u00e0 l&#8217;\u00e9tranger. L&#8217;assurance au 1er euro rembourse \u00e0 hauteur des frais r\u00e9els d\u00e9pens\u00e9s.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1706801291830\"><strong class=\"schema-faq-question\">Est-ce que je peux b\u00e9n\u00e9ficier d&#8217;une assurance responsabilit\u00e9 civile \u00e0 l&#8217;\u00e9tranger avec une assurance au 1er euro\u00a0?<\/strong> <p class=\"schema-faq-answer\">Oui, cette garantie est souvent incluse dans les offres de base des assurances au 1er euro.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1706801556459\"><strong class=\"schema-faq-question\">L&#8217;assurance au 1er euro est-elle obligatoire quand je m&#8217;expatrie ?<\/strong> <p class=\"schema-faq-answer\">Oui et non. L&#8217;obtention d&#8217;un visa pour certains pays est parfois conditionn\u00e9e \u00e0 la souscription d&#8217;une assurance qui pr\u00e9sente des garanties pr\u00e9cises. Toutefois, il est toujours recommand\u00e9 de s&#8217;expatrier en \u00e9tant couvert par une assurance au 1er euro. Cette option est la pr\u00e9f\u00e9r\u00e9e des expatri\u00e9s pour ses nombreux avantages, et un accident n&#8217;arrive malheureusement pas qu&#8217;aux autres.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">10 lectures qui pourraient vous int\u00e9resser<\/h2>\n\n\n\n<ul>\n<li><a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante-internationale\/assurance-maladie-thailande\/\">L\u2019assurance sant\u00e9 en Tha\u00eflande<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante-usa\/assurance-maladie-usa-francais\/\">Assurance maladie aux USA pour les Fran\u00e7ais<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/expat-assurance.com\/fr\/assurance-expatrie\/assurance-expatrie-espagne\/\">Quelle assurance maladie choisir pour l\u2019Espagne ?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante-internationale\/assurance-maladie-canada\/\">L\u2019assurance maladie au Canada<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante-internationale\/assurance-internationale-maroc\/\">L\u2019assurance sant\u00e9 au Maroc pour les Fran\u00e7ais<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/expat-assurance.com\/fr\/assurance-expatrie\/assurance-expatrie-cambodge\/\">Choisir son assurance sant\u00e9 pour expatri\u00e9 au Cambodge<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante-internationale\/assurance-angleterre\/\">Bien choisir son assurance pour l\u2019Angleterre<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante-internationale\/assurance-long-sejour-etranger\/\">Quelle est la meilleure assurance voyage pour un long s\u00e9jour \u00e0 l\u2019\u00e9tranger ?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante-internationale\/assurance-mission-etranger\/\">Quelle assurance sant\u00e9 choisir lors d\u2019une mission professionnelle \u00e0 l\u2019\u00e9tranger?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/expat-assurance.com\/fr\/assurance-sante-internationale\/assurance-sante-internationale-etudiant\/\">Assurance sant\u00e9 internationale pour \u00e9tudiant<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Bien qu\u2019il existe plusieurs m\u00e9thodes pour couvrir sa sant\u00e9 en tant qu\u2019expatri\u00e9, l\u2019assurance au 1er euro est la solution qui offre le plus d\u2019avantages.<br \/>\nD\u00e9couvrez tout ce qu\u2019il faut savoir sur ce type d\u2019assurance sant\u00e9 internationale afin de partir sereinement et profiter pleinement de votre expatriation.<\/p>\n","protected":false},"author":24,"featured_media":38936,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[71],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.9 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comprendre l&#039;assurance au 1er euro - Expat Assurance<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez l&#039;assurance au 1er euro, choix privil\u00e9gi\u00e9 des Fran\u00e7ais expatri\u00e9s. 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