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Discussion Starter · #1 ·
My husband and I are planning to move to France for year in 2013 and would like to know how we get Health Insurance cover? Are there specialist companies or do we just take out travel insurance?
 

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Check with your local consulate (since the health insurance is required as a condition of the visa and must be obtained before you enter France). It can depend a bit on the type of visa you are going for.

Some visas (student visas, for example) require you to have insurance that will cover medical evacuation back to your home country in the event of a serious accident or illness. Other visas require you to obtain health insurance that is roughly equivalent to the French national program. The first kind of insurance is travel insurance. The second is "expat health insurance" and should be obtainable through most of the large, international companies (AXA, Bupa, Allianz, Swiss Life, etc. etc.).
Cheers,
Bev
 

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We are American, but probably the situation for an Australian couple would be similar. We investigated this issue before moving here last year. The two most attractive plans we found were from Aetna (aetnainternational.com) and from Swiss Life via membership in AARO. AARO is Association of Americans Resident Overseas, but I don't think you really have to be an American to be a member, or maybe going directly to Swiss Life is equivalent.
To cover the two of you, you should expect to pay around $A13000 per year, one lump sum up front, no cancellation refund, for a pretty good policy except that these policies will have broadly written exclusions for any past or present conditions. That price is for ages in the late 50's. Younger is cheaper, of course. These are not policies to repatriate you and cover your health care in your original country. These policies cover you for care in France and in countries you travel to but do not live in.
 

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Unless AARO has changed their policy in recent years, you normally have to have some demonstrable tie to the US to become a member. If either member of a couple is a US citizen, that's enough. Other than that, you'd need to show some significant period of residence in the US (a couple years would probably do it, as long as you had worked there, and especially if you worked there long enough to qualify for US Social Security).

But if you don't want to (or can't) join AARO, you can contact their insurance broker (there's a link on the page of their website that talks about the medical insurance program) and see what they can recommend. They carry a variety of policies from several insurers.
Cheers,
Bev
 

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Discussion Starter · #5 ·
Health insurance france

Check with your local consulate (since the health insurance is required as a condition of the visa and must be obtained before you enter France). It can depend a bit on the type of visa you are going for.

Some visas (student visas, for example) require you to have insurance that will cover medical evacuation back to your home country in the event of a serious accident or illness. Other visas require you to obtain health insurance that is roughly equivalent to the French national program. The first kind of insurance is travel insurance. The second is "expat health insurance" and should be obtainable through most of the large, international companies (AXA, Bupa, Allianz, Swiss Life, etc. etc.).
Cheers,
Bev
Thank you,will do.
 
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