The WHO ranks France as one of the healthiest countries globally, but private health insurance remains essential to cover expenses not met by the public system. The Caisse Nationale d’Assurance Maladie (CNAM) fund, in addition to the private medical insurance companies in France, ensures comprehensive, affordable health coverage in all circumstances.
Best Private Health Insurance Companies In France
Some of the largest health insurance companies in France that ensure the best medical and dental care at low cost are listed here. The exact cost of top health insurance coverage is typically based on factors such as age, place of residence, the desired level of coverage, and the number of insured persons.
Harmonie Mutuelles France
Harmonie Mutuelle is a top private health insurance provider in France, offering broad medical coverage and an option for additional coverage. This ensures high-level medical and dental care for all.
- Insurance Coverage: It encompasses outlays related to medical consultations, hospital stays, surgeries, and niche treatment protocols. With Harmonie Mutuelle, members are ensured comprehensive healthcare protection.
- Health Promotion Initiatives: Beyond just coverage, Harmonie Mutuelle emphasizes the holistic well-being of its members. Some of its plans introduce health promotion initiatives that underscore the importance of a balanced lifestyle. These involve benefits linked to wellness endeavours, motivating members to prioritize their health.
- Broad Healthcare Consortium: Harmonie Mutuelle’s partnerships with an extensive consortium of healthcare professionals across France give members privileged access.
AXA – France
AXA, a globally renowned insurance provider, extends its reach to France, offering a comprehensive range of health insurance plans tailored to the needs of residents.
- Comprehensive Medical Coverage: AXA’s health insurance plans in France are designed to provide comprehensive coverage, including medical expenses, hospitalization, surgical procedures, and specialized emergency treatments.
- International Coverage: AXA is recognized for its international health insurance plans, making it an ideal choice for expats and travellers.
- Wellness Programs: AXA medical coverage in France features wellness programs aimed at promoting a healthy lifestyle. These programs include incentives and discounts on fitness-related expenses.
MGEN (Mutuelle Générale de l’Éducation Nationale)
MGEN is one of the best health insurance companies in France and primarily serves educators and education sector employees at affordable rates.
- Preventive Care: MGEN places a strong emphasis on preventive care. It offers comprehensive preventive measures such as health check-ups, vaccinations, and wellness programs to keep policyholders in optimal health.
- Mental Health Support: Some MGEN plans in France include coverage for mental health services, including counselling, therapy, and psychiatric care.
- Educational Resources: In addition to medical insurance coverage, MGEN often provides valuable educational resources and workshops on health and well-being. These resources empower policyholders to make informed healthcare decisions and lead healthier lives.
Allianz – France
Allianz, a popular health insurance provider, offers a diverse range of health insurance plans to cater to the varied needs of residents and internationals in France. They encompass medical expenses, hospitalization, surgeries, and specialized treatments, ensuring that policyholders have access to a wide array of healthcare services.
- Wellness Programs: Some Allianz policies include wellness programs that actively promote healthy living. These programs may offer incentives and discounts on fitness-related expenses, motivating policyholders to adopt and maintain a healthy lifestyle.
- Access to a Network: Allianz collaborates with an extensive network of healthcare providers in France, granting policyholders access to a wide range of doctors, specialists, and hospitals. This network ensures that policyholders can seek specialized medical care conveniently.
- Digital Services: Recognizing the importance of digital convenience, Allianz in France provides user-friendly online tools and mobile apps.
Groupama
Groupama is the top insurance company that operates in various countries, including France. It offers a wide range of insurance solutions, including health insurance (known as “mutuelle santé” in France). Some Groupama health plans may offer additional services such as telemedicine consultations, preventive care benefits, or access to health and well-being platforms.
Types of Coverage: It offers different levels of coverage based on the needs of the individual, family, or business. This can range from basic coverage to more comprehensive plans that cover a broader range of medical services and treatments.
Digital Services: Groupama, like many modern insurers, offers online services to its members. This can include accessing policy information, checking reimbursements, or even finding nearby healthcare professionals.
Optional Add-ons: Depending on the plan, individuals may be able to add optional modules to their policy to cover specific needs, such as dental or optical care, hospitalization benefits, or alternative therapies.
Conclusion
The best supplemental health insurance in France is worth it due to its expanded medical services for acute and chronic diseases. Private health coverage provides additional add-ons, such as assessing all the private hospitals at minimum cost and wait time as compared to national health insurance. Select the top insurance company based on your personal preferences.
FAQs
How much is health insurance in France?
The private health insurance in France ranges between 35-40 Euros. The exact price can vary depending on the company, covers and the age of the individual.
Is medical care expensive in France?
Healthcare services in France are one of the most expensive in the world. Statutory health insurance (SHI) is the universal health insurance to reduce medical expenses.
