Launched in February 2019, The French Assurance is a new player in international health insurance, offering health plans crafted "à la française". The insurance contract is underwritten by L'Equité-Générali, with expert management handled by GAPI Gestion, and Vyv is entrusted with repatriation assistance.
In recognizing the evolving needs of modern expatriates, who no longer automatically opt for a turnkey contract, The French Assurance has developed an accessible and comprehensive health insurance offer. This tailored solution addresses budgetary constraints and the variable durations of expatriation.
Introducing an innovative feature known as the "Emergency Bonus," this offering becomes a hybrid product, combining elements of temporary and expatriate insurance. The benefits of both contract types are harmonized to cater to a wide range of expatriate and traveler profiles.
| Launch Year | 2019 |
| CFE Approved | Yes |
| Number of Plans Compared | 24 |
| Hospital Direct Billing | Worldwide |
| Management Centers | Lille (France) |
| Expat Policy Insurer | L'Equité-Générali |
| Evacuation Assistance | Vyv IA |
| Applicable Law | French |
1st euro contract. Clients highly value the efficient management provided.
Subscription open up to 60 years old, and lifetime health insurance policy. The contract is denominated in euros, and reimbursements and settlements can be made in the local currency. Hospitalization direct-billing is ensured for stays exceeding 24 hours worldwide.
The coverage is simplified and customizable with two available plans in two levels of benefits, with or without optical-dental-maternity coverage, and accompanied by two options: Emergency Bonus and deductible.
Available options: Repatriation assistance and civil liability.
| Coeff. | Score | |
| Underwriting process | 10% | 7.5/10 |
| Waiting periods | 5% | 4/5 |
| Timeliness of reimbursements | 20% | 17/20 |
| Claims management | 10% | 9.5/10 |
| Rate increase | 20% | 17/20 |
| Contractual and legal security | 20% | 17/20 |
| Exclusions | 10% | 9/10 |
| Contract flexibility | 5% | 5/5 |
| OVERALL SCORE | 86/100 |
a flawless course
EC on 05/22/2022
An excellent service since the beginning. No problem and especially an exceptional reactivity which reassures enormously.
Hospitalization fees not reimbursed despite a contract that reimburses 100%!
vaulch on 04/02/2022
First use of my insurance for a small operation and already costs not reimbursed! Acceptance of 100% reimbursement on the basis of my contract and the estimate sent at 45 000 THB. Surprise: the insurance does not reimburse a part of the hospitalization costs which total was lower than the estimate (39309 THB instead of 45 000 THB). On this invoice, the insurance did not reimburse expenses called "Supplies and equipment", materials used during the operation" for a value of 182.17. The CFE reimbursed 109.3 but the additional 72.87 was not reimbursed by the insurance despite my contract which stipulates 100% coverage of hospitalization costs. I am disgusted and after only 6 months, my contribution has already increased by 3.4%.
I don't use it much
Pierre on 09/14/2021
In 6 months I only used it twice, once for a consultation and a pcr test (which fortunately came out negative) and another time for the dentist. In the first case, the number of receipts requested by the insurance company seemed excessive for a reimbursement of 70 Euros (I was finally reimbursed). In the second case, the dentist is not reimbursed by the insurance company... so I only got the reimbursement from CFE (minimal). I still give 4 stars because I hope to be well covered in case of something serious...
Satisfied
F. on 07/18/2021
I did not have to contact the assistance directly. All you have to do is take a picture of the care sheet and send it to the CFE, the rest is automatic.
Pierre on 06/30/2021
The French Assurance is a practical insurance that covers many countries and allowed me to make a transition between several countries without difficulty. The online management platform is very practical. Beware, however, of additional premiums that are not always justified.
Pierre on 06/30/2021
My contacts with International Santé have been very positive: efficiency, speed and great customer service. The French Assurance is a practical insurance that covers many countries and allowed me to make a transition between several countries without difficulty. The online management platform is very practical. Beware however of additional premiums that are not always justified.
Not used insurance, no particular review
Jean-Yves on 04/27/2021
For the moment and after 6 months, I have not used the services of the insurance company and therefore I cannot give an opinion except for the subscription which went well and the debit and goes well.
Simple, efficient and affordable
Kiwifrog on 04/02/2021
The Liberté plan (in addition to the CFE) suits us perfectly, our requests are processed in a few days and the remote transmission with the CFE simplifies the reimbursements enormously. TheFrenchAssurance team that manages our contract has always been benevolent and attentive to our more complex requests. We recommend it to any expatriate who wants to keep the comfort of a European health cover!
Reactivity and professionalism
Nacr on 03/30/2021
The insurers are very responsive to the needs of their clients and the contracts are well put together, in short, a win-win relationship.
french insurance review
philippe on 03/25/2021
good service, good advice, and quick responses
Very good
Elodie on 03/16/2021
I am very happy with the association The French Assurance + CFE which allows me to be very well covered.
Gapi - The french insurance
Antony on 03/11/2021
Insured for 7 months but I only needed the insurance once. The internet interface is very bad, there is no way to transmit documents by internet because the insurer asks for original and signed documents. We find all the heaviness of the care sheets before the "carte vitale" in France. The care sheets and prescriptions must be sent by mail. The care sheets are heavy and take time. The website gives little information such as for example we find nothing on the assumption of responsibility Covid, how to do ... the application of the same. the transmission of document by the application does not work.Behind a modern marketing and current 'the French insurance' hides an insurer 'Gapi' in the opposite of its image, administrative, retrograde.In summary, disappointed on the transmission of documents and administrative heavy and not adapted to me, on the useless internet application but on the main to know the refunds, nothing to say, they do the job.
Serious and attentive customer service
Nacr34 on 03/10/2021
The sales department guides the prospects perfectly and responds quickly to requests.the customer service is professional and attentive to the needs of the customer.I really appreciated the proximity and fluidity of the conversations.a great discovery To recommend
REFUND
TAE on 02/19/2021
The reimbursement procedure should be simpler, especially when one cannot spend too much time looking for additional documents. On the other hand, being able to be in contact with the same person facilitates interactions
Quick response
Fabrice on 02/12/2021
Quick response to questions and quick reimbursement
Nothing to report
DIARY on 02/03/2021
Everything is going well.
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