What is Top-Up Health Cover?

Top-Up Health Cover is a health insurance policy which pays the difference between the cost of healthcare or treatment and the amount paid by the French social security system: also known as complementary or the mutuelle. It can help cover out-of-pocket expenses or specific hospital, medical or health treatments not fully covered by the social security system.

Who needs Top-Up Health Cover?

It is mandatory for all residents of France to have insurance cover, covering all or part of their healthcare costs. If you have lived in France for a period of at least three months, you can apply to join the health system. In addition, anyone who wants to enhance their healthcare cover can benefit from Top-Up Cover insurance. This includes individuals with pre-existing conditions and those seeking specialised treatments.

How does Top-Up Health Cover work?

Although France has a universal healthcare system, it does not cover 100% of your medical costs. Therefore, it is essential to choose health insurance cover that bridges that gap, giving you peace of mind from any unexpected bills. Top-Up Health Cover is the best way to achieve this.

What does Top-Up Health insurance cover?

Common areas of cover include:

• Dental care
• Eye care
• Prescription medications
• Mental health services
• Alternative therapies
• Travel expenses
• Maternity care
• Certain other treatments not covered by the French social security system

Can I personalise my Top-Up Health Cover?

The team at AXA Marthon can help you select the appropriate Top-Up Health Cover for you and your family. If you live in France, are over 60 or you are self-employed, you can benefit from our 10% discount on Top-Up health insurance. Private and Temporary Healthcare Cover options are also available.

How much does Top-Up Health Cover cost?

The cost varies depending on factors such as your age, health status and cover options. AXA Marthon can help you choose Top-Up Health Cover which suits your needs as well as your budget.

How do I choose the right Top-Up Health Cover plan?

Key factors to think about when looking for Top-Up Health Cover include your budget and what type of cover is important for you; for example, do you wish to opt for essential cover (for emergency situations) or pay for eye and dental care? It’s important to understand the options – and to discuss your requirements in English.

Can I buy Top-Up Health Cover at any time?

Yes. If you have cover with a different insurer, AXA Marthon can help you cancel your existing policy. After the initial 12-month period, you have the flexibility to terminate your health insurance contract whenever you choose.

Special Offers available with AXA

What’s more, buy 2, 3 or 4 policies – and we’ll reimburse you the cost of the most expensive contract for the number of contracts taken out. For example, if you take out 3 contracts you will get 3 free months on the most expensive contract.

Insurance France is the trading name of AXA Marthon. We are an English and French speaking AXA agency, taking care of your insurance so you can enjoy your life in France.

To find out more please contact us below for a free, no-obligation quotation:

Phone: +33 (0)5 45 70 43 76

Email: agence.florentmorin@axa.fr

Website: insurancefrance.fr