How to get affordable healthcare in France

Obtaining complementary (‘Top-up’) health insurance is a solution

12 Feb 2024

The cost of providing healthcare is rising across the world, including France. As industry surveys report increasing premiums for health cover, how can you find a policy which suits you – and your budget?

If you are a permanent resident in France, insurance to cover healthcare costs is essential, as well as wise! A stay in hospital for example could result in a significant medical bill. Therefore, it makes sense to explore the options.

1.        Opt for a Top Up health insurance policy

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. It’s often referred to as the mutuelle or complementary healthcare cover. Top Up health insurance gives you real peace of mind that you will not have to pay expensive medical bills.

2.      Choose the cover that you need

Did you know that there are different kinds of Top Up health insurance? For example, if you prefer to pay for hospital cover only – you can. On the other hand, there are more comprehensive options such as those which include optical (e.g. new glasses), dental and other health costs.

3.      Make savings with a multiple policy plan

AXA’s Les Mois Qui Comptent offer can reduce your monthly premiums significantly. If you take out 2, 3, 4 or even 5 policies, AXA will reimburse you for 2, 3, 4 or even 5 months’ contributions on your most expensive policy – up to a maximum of €300.

10% discount for over 60s or self-employed

If you are over 60 years of age or self-employed, AXA Marthon can offer you a discount of up to 10% off on a new Top Up health insurance policy.

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 about please contact us below for a free, no-obligation quotation:

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



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