Expat Health Insurance in France
International health coverage for expatriates living in France — flexible protection alongside the local healthcare system.
Who Needs Expat Health Insurance in France
France offers universal healthcare (PUMA) to legal residents, but there is often a waiting period after arrival, and many long-stay visa holders must prove private cover before their carte vitale is issued.
- New arrivals awaiting affiliation to French social security (PUMA)
- VLS-TS long-stay visa holders required to show private insurance
- Students, retirees and financially-independent residents
- Expats wanting private clinics and English-speaking support
What Expat Health Insurance Covers in France
International plans can provide:
Hospitalization and inpatient treatment
Outpatient and specialist consultations
Prescription medication
Emergency and repatriation cover
Optional dental and maternity
Worldwide and cross-border treatment
Why Choose International Cover for France
International cover bridges the gap and adds flexibility:
- Bridge coverage until your carte vitale is active
- Meets VLS-TS and prefecture insurance requirements
- Access to private practitioners with faster appointments
- Coverage that follows you when travelling outside France
How It Works
Explore Your Insurance Options
Fill out the form below and you'll be directed to ACS to review plan details and pricing. No obligation — just information to help you decide.
Frequently Asked Questions
What age does Senior Expatriate insurance cover?
The ACS Senior Expatriate plan is for individuals aged 60 and older. Unlike general expat plans that may stop accepting new applicants at age 65 or 70, this plan is built for seniors and is lifetime renewable.
Are pre-existing conditions covered?
Many pre-existing conditions can be covered under the Senior Expatriate plan after a waiting period. The specifics depend on the condition and are evaluated by ACS during the underwriting process. Some conditions may have modified coverage terms or exclusions.
Can my policy be cancelled when I reach a certain age?
No. One of the key features of the ACS Senior Expatriate plan is lifetime renewability. As long as you continue to pay your premiums, your policy remains in effect regardless of your age.
Is the plan available in all countries?
The plan provides worldwide coverage, but some exclusions apply for countries under international sanctions. Specific country eligibility should be confirmed with ACS during the application process.
What is the difference between ACS Expat and Senior Expatriate?
ACS Expat covers working professionals up to age 65, while Senior Expatriate is for ages 60+. Senior Expatriate provides coverage that fits the health needs of older people, with specific provisions for pre-existing conditions and lifetime renewability.
How do I renew my policy each year?
You can renew your policy directly with ACS. We also provide a renewal information hub to help you understand the process. As a lifetime renewable policy, your coverage continues year after year as long as premiums are paid.
Important Notice
INTERNATIONAL SOLUTIONS OÜ operates this website as an independent informational and affiliate platform. We are not an insurer, insurance broker, or legal advisor.
Insurance products, terms, pricing, underwriting, eligibility, exclusions, and claims handling are managed by ACS on the destination page. Please verify all details directly with ACS before making decisions.