Moving abroad for a few months or several years? The moment you leave France for an extended period, your French Sécurité sociale cover stops following you. Yupwego expat insurance picks up where it leaves off: medical care, hospitalisation, repatriation and much more, anywhere in the world, depending on the plan you choose from our 40 compared offers.
Why choose Expat Insurance with Yupwego
No medical questionnaire
No lengthy forms, no unexpected exclusions. Sign up quickly, whatever your health profile.
40 contracts compared for you
Yupwego selects the best offers from recognised insurers and presents the one that matches your situation, not a one-size-fits-all solution.
Dental and optical cover available as an option
Depending on the plan you choose, your cover can include glasses, contact lenses and dental care abroad.
Human assistance 24/7
A health issue in the middle of the night or at the weekend? A multilingual team responds, coordinates and supports you through to resolution.
You may be wondering
Does my French Sécurité sociale still cover me abroad?
Outside the European Economic Area, the French Sécurité sociale generally stops reimbursing your medical costs. Without expat insurance, you bear the full cost of treatment, which can be extremely high depending on the country.
Is my French mutuelle enough for a long-term move abroad?
Most French mutuelles stop providing cover after a few months abroad. Check your policy terms: in the majority of cases, a specific international health insurance policy is essential.
Is expat insurance compulsory?
It is not always a legal requirement, but it is strongly recommended. In many countries, private medical care is very expensive, and a single hospital stay can run to tens of thousands of euros.
What Expat Insurance Covers
Here is what your Yupwego expat insurance covers, depending on the plan selected for you.
Medical expenses abroad
Consultations, tests, specialist procedures: your day-to-day medical costs are covered, wherever you are.
Voir le détailMasquer le détail
Depending on your plan, GP and specialist consultations, laboratory tests and prescriptions are reimbursed. International direct billing can mean you never need to pay upfront at partner facilities.
Hospitalisation
In the event of surgery or a hospital stay, the insurer settles directly with the facility.
Voir le détailMasquer le détail
Hospital costs can reach very significant amounts in certain countries, particularly in the United States or Asia. Your expat insurance covers your room, operating theatre and intensive care within your plan's limits, so your only priority is getting better.
Medical repatriation
In a serious emergency, we organise your safe return to France, you don't have to manage a thing.
Voir le détailMasquer le détail
If your health requires it, the insurer coordinates a medically supervised repatriation to France or to the most suitable nearby hospital. A dedicated doctor monitors your case at every stage and keeps your loved ones informed. You are never alone.
Dental and optical care
As an option, your glasses and dental treatment are also covered abroad.
Voir le détailMasquer le détail
Depending on the plan you take out, your expat policy can include reimbursement for dental treatment (conservative care, prosthetics) and optical expenses (glasses, contact lenses). Limits and conditions vary by tier, Yupwego sets these out clearly before you sign.
Assistance 24/7
An emergency number, a human voice, at any hour and in your language.
Voir le détailMasquer le détail
In the event of an accident, serious illness or emergency hospitalisation, a multilingual assistance platform is available around the clock. It locates a suitable doctor or care facility, organises repatriation if needed and notifies your next of kin.
Who it’s for, how long and how to apply
Yupwego expat insurance is designed for French nationals moving abroad, whether alone, as a couple or as a family, for a few months or several years. Sign-up is 100% online, takes just a few minutes, and requires no medical questionnaire. To prepare for your move with peace of mind, read our guide choosing your expat health and repatriation insurance or compare with repatriation insurance and travel insurance for young people, students and working holiday visas.
Get my quoteFAQ
What is the difference between expat insurance and standard travel insurance?
Travel insurance covers short trips such as holidays. Expat insurance is designed for extended absences, often beyond three months, and replaces your French social protection for the duration of your time abroad.
Can I take out a policy if I am already living abroad?
It depends on the plan. Some options accept applications from abroad; others require you to sign up before you leave. Yupwego’s advisers will point you towards the offers that suit your current situation.
Can I cover my whole family under one policy?
Yes, most expat plans allow you to include a partner and children under a single family policy. Cover applies to each family member in accordance with the terms of the chosen plan.
How does reimbursement for medical costs abroad work?
Depending on your plan, payment can be made directly between the insurer and the facility (direct billing), or by reimbursement after you submit your receipts via a mobile app or secure online account.
What are the typical exclusions in an expat insurance policy?
Exclusions vary by plan. Some pre-existing conditions may be subject to specific terms. Yupwego sets out the exclusions clearly before you sign up, no nasty surprises.
