«"Alexis, I'm moving to New York to open our branch. My company covers me, but what about my family? And what if the healthcare costs there exceed the limits of my current health insurance?"»
Going abroad, whether for a professional assignment, studies, or a long-term expatriation, is a major step in one's financial and personal life. However, the international mobility This is accompanied by a loss of protection: outside our borders, French social security no longer covers you, or only very minimally. A simple visit to the emergency room in the United States or a hospitalization in Singapore can cost tens of thousands of euros, jeopardizing your financial security abroad.
At the house of Balmont Conseil, We don't see insurance as a simple box to tick. As'Augmented Wealth Engineer, My mission is to integrate your international mobility insurance within a comprehensive vision of protection. We select solutions that not only reimburse care, but also guarantee the continuity of your life plan.
What is international mobility insurance?
L''international mobility insurance is a specific contract designed to cover people residing outside their country of origin for a extended length of stay (usually more than 3 or 6 months).
What guarantees are there for total protection?
Effective coverage rests on four fundamental pillars. During our audit, we systematically verify the presence and scope of these guarantees:
Expatriate health insurance (Medical expenses)
This is the core of the contract. It must cover hospitalization, consultations with general practitioners and specialists, as well as laboratory tests.
- Choosing the type of coverage: From the "1 Euro" (the insurance handles everything from the first cent) or as a supplement to the French Nationals Abroad Social Security Fund (CFE) to maintain a link with the French system.
- Quick access to care: The best contracts offer teleconsultation services and international third-party payment to avoid upfront costs.
Emergency repatriation
In the event of a serious accident or medical condition requiring specialized equipment not available on site, the emergency repatriation We organize and finance your return to France or to a regional center of excellence. This is a vital guarantee in many emerging countries.
International civil liability (CL)
If you unintentionally cause damage to a third party (material or bodily) abroad, the financial consequences can be severe, especially in Anglo-Saxon countries. international civil liability covers compensation for victims and your legal defense (ceilings often in millions of euros (particularly in Anglo-Saxon countries).
Protection against security risks
For professionals or families settling in sensitive areas, we include specific long-term travel guarantees covering assistance in the event of a political crisis, the risks of abduction, or emergency evacuation in the face of an immediate security threat.
A solution for every profile: Students, Professionals, and Businesses
Mobility doesn't present the same challenges depending on your status. At Balmont Conseil, we segment our services for a contract adapted to mobility real:
How to choose the
better insurance?
Price shouldn't be your only indicator. A low premium often hides... geographical exclusions or ridiculously low ceilings.
How much does international mobility insurance cost?
The price depends on several factors:
- The age of the insured: The older you get, the greater the medical risk.
- The destination country: The bonuses for the USA or Hong Kong are significantly higher than for Portugal or Morocco.
- The level of honesty: Agreeing to pay a small portion of the care costs significantly reduces the annual premium.
- The options: Adding the baggage cover, legal protection or provident guarantees (death benefit).
Balmont Consulting Expertise Peaceful handling of your claims
The value of insurance becomes clear when a problem arises. Our firm doesn't just settle for... coverage planning ; we support you in the claims management.
In the event of hospitalization or accident, you are entitled to:
- 24/7 medical assistance: A medical platform to guide your care.
- Adjusting the guarantees: If your situation changes (marriage, birth, new country), we adjust your contract in real time.
- Protection against unforeseen events: Legal and administrative assistance in case of lost documents or local disputes.
FAQ Your questions about international insurance
Don't let borders limit your safety
A international mobility insurance It's not an expense, it's an investment in your peace of mind. Whether you're a promising student, an ambitious executive, or a responsible business leader, protecting your health is essential. sine qua non of your success abroad.
Your international project deserves coverage that matches its scope.
Contact Alexis Sagnier for an audit of your situation and a personalized comparison of the best international mobility solutions.
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.
Sources & References:
- International health insurance
