International Health Insurance & Protection

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«Alexis, I’m about to move abroad with my family. Between the necessary vaccinations and visas, I realize I’m leaving the French social security system. If I have an accident or a serious health problem on the other side of the world, who will pay the bills and how will my loved ones be protected?»

Expatriation is an extraordinary adventure, but it creates a brutal break in your social protection. Abroad, the medical care prices can be astronomical, and local support systems are often non-existent for non-residents. Without a international pension strategy and one Appropriate health coverage, A simple problem can turn into a financial disaster.

At the house of Balmont Conseil, We act as the architect of your borderless security. With our AI-Augmented Wealth Engineer, I'm not just offering you insurance; I'm building a system of international social protection coherent, capable of responding to medical emergencies abroad while securing your long-term income.

Personalized analysis

Understanding the differences: Health vs. Insurance

It is common to confuse these two pillars of the'Health insurance for expatriates. However, their roles are distinct and complementary:

  • International Health Insurance (The "Mutual"): It covers your health costs immediate (consultations, hospitalization costs, (pharmacy, optics, dental). Its purpose is to reimburse your medical expenses.
  • International Insurance (The "Security"): It intervenes in the face of "hard knocks" that impact your ability to generate income. It covers the risks of death and disability, the inability to work and maintaining your family's standard of living.

The Pension Pillar: Protecting your human capital

When living abroad, the financial risk associated with sick leave or disability is often underestimated. Unlike the French system, which offers an automatic safety net, the international system exposes you to a sudden loss of income in the event of a major unforeseen circumstance.

International Health Insurance: Reimbursement for Medical Care

Often called an "international mutual insurance company", it focuses on current and unexpected expenses.

  • His mission: Eliminating the cost of care, from the simple general practitioner to emergency hospitalization, which is often very expensive in countries like the USA, Singapore or the Emirates.
  • The limit: She pays the hospital bill, but she doesn't replace your salary.

    • International Insurance: Income Guarantee

    This is the foundation of your financial security. It kicks in when you can no longer carry out your professional activity.

  • Temporary Incapacity for Work (ITT): Payment of daily allowances to maintain your standard of living during a prolonged convalescence.
  • Disability: Payment of an annuity or a lump sum if you can no longer resume your profession, enabling you to finance the necessary adjustments and compensate for the loss of career.
  • Death Benefit: Protecting your loved ones (spouse, children) to ensure their future, financing their studies or repaying debts.

    • The challenge of maintaining the standard of living

    Expatriation often comes with a higher cost of living, international tuition fees, and significant fixed expenses. Without proper planning, an inability to work can force a premature and unprepared return to France, with serious financial and family consequences.

    International Health Insurance: Your access to global healthcare

    Whether you are expatriate student, retired or executive on assignment, the health insurance subscription is your number one priority before departure.

    Coverage options: CFE or 1st Euro?

    1. The French Overseas Social Security Fund (CFE): It allows us to maintain a link with the French social security. We add to that a expatriate health insurance additional coverage for optimal reimbursement.
    2. Insurance from the first euro: It is a 100% private % solution that reimburses all costs from the first cent spent, without going through a public body.

    Essential guarantees

    A good contract should include:

    • Hospitalization abroad: Direct payment to avoid upfront costs.
    • Medical repatriation: Crucial if the local health system does not allow you to receive proper treatment.
    • Telemedicine consultation: For a online medical advice with a French-speaking doctor, wherever you are.
    • Mental health support: An often overlooked but essential aspect in the face of culture shock.'expatriation experience.

    International Insurance: Securing your financial future

    There international insurance is the foundation of your family protection. It is aimed particularly at self-employed workers and to families in which only one member generates the main income.

    Key guarantees of insurance

  • Death Benefit Guarantee : Payment of a death benefit or an annuity for the spouse and an education annuity for the children.
  • Daily Allowances (DA) In the event of sick leave, you will receive an income to maintain your standard of living. Be aware of the waiting periods (the period before payments begin) in your insurance plan.
  • Permanent Disability Compensation : Payment of a disability lump sum or an annuity if an accident or illness prevents you from resuming your activity.

    • How to choose your cover? Balmont criteria

    Don't rely solely on Expatriate health insurance prices. Saving €20 per month can cost €20,000 in the long run. hospitalization.

    Points of vigilance

  • Guarantee limits : Check that the maximum reimbursement amount is sufficient, especially for countries like the USA, Singapore or Hong Kong where healthcare costs are prohibitive.
  • Waiting periods : The period during which you contribute without yet being covered for certain conditions.
  • Doctors' networks Does the insurer have a network for international third-party payment?
  • The flexibility of insurance contracts Can you adjust your options if you change countries?

    • Concrete examples: Why does Balmont Conseil's expertise make the difference?

    Case #1: The family expatriating to the USA

    Hospitalization for appendicitis in New York can cost $40,000. Without a emergency medical coverage With high limits, a lifetime of savings can vanish. We select flexible insurance plans suitable for areas with high medical costs.

    Case #2: The independent consultant in Portugal

    He benefits from local health system, However, in the event of an accident, their social protection is minimal. We are putting in place a insurance contract including a guaranteed sick leave ""All causes" to secure its revenue.

    Case #3: The retiree in Southeast Asia

    We favor specific guarantees for retirees, including regular health check-ups and a repatriation assistance ultra-responsive, while monitoring the health conditions pre-existing.

    Your subscription journey with Balmont Conseil

    Far from impersonal automated comparison sites, we offer you a personalized support :

    1. Health and situation assessment: Before departure, we analyze your destination, your family composition and your actual needs.
    2. Health Insurance Comparison: We interviewed market leaders (April, Allianz Care, AXA, MSH) to present you with the 3 best health insurance companies tailored to your budget.
    3. Analysis of the Insurance Plan: We calculate the capital needed to protect your rights holders and maintain your standard of living.
    4. Simplified subscription: We assist you with the online subscription or paper, and we handle any medical questionnaires.

    FAQ Your questions about international health and insurance

    Does my health insurance card work abroad?

    What is a "1st Euro" cover?

    Can I subscribe if I already have health problems?

    Why take out an education annuity?

    What is the difference between medical repatriation and medical evacuation?

    What does international civil liability cover?

    Don't leave your adventure to chance.

    A successful expatriation is a secure expatriation. social protection for expatriates is a complex puzzle where each piece (health, insurance, assistance) must fit together perfectly. Balmont Conseil, We transform this complexity into serenity.

    Your mobility deserves borderless expertise.

    Alexis Sagnier

    With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.

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    Ready to structure Your future?

    Whether you are in Lyon or on the other side of the world, Alexis Sagnier and the Balmont Conseil team are ready to listen to you.
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