This will top-up the refunds you get from the French CPAM (social security) or things that aren’t covered at all (like orthodontics, private room at the hospital, etc.).
Top-up health insurance is only available once you get an active French social security number.
Top-up health insurance
Top up your coverage
Our expert helps you to understand
« In the wake of Brexit, most French consulates and embassies have tightened the rules (mostly for VISA applications), even for non-UK residents. Nowadays, it's twice as important to make sure you provide a compliant set of documentation, including the insurance policy which is why 82% of French VISAs get denied. »
Fabien Pelissier, Founder of Fab French Insurance
Why choose us?
- We’ve been fabulous for six years! That’s six years of providing fabulous, helpful service to our British clientele and that’s what we’ll keep doing.
- You’ll get a dedicated English-speaking Broker who’s also a French native speaker so that you’ll avoid the pitfalls and headaches of the French system.
- We work with more than 30 insurers and many more providers so we are always able to find an affordable solution for each and every different situation.
100% French
You didn’t come to France to be advised by people who don’t even live here! We are a small team based in the South West of France, all our staff are French and therefore we know all the tricky bits of the French system; we can make your life as hassle free as Frenchly possible.
Understanding Top-Up Health Insurance in France
Moving to France comes with many adjustments, including navigating the healthcare system. While the French public health system covers a significant portion of medical costs, a top-up health insurance (mutuelle) provides essential protection by covering remaining expenses such as hospitalisation, specialist consultations, and prescription medications. This additional coverage is often required for long-term residents and certain visa applications. Our team of experts can provide a personalized estimation of your needs and guide you towards the right plan. With our dedicated service, you can ensure peace of mind and access to the best healthcare options in France.
Benefits of Having a Mutuelle
A mutuelle is essential for anyone living in France, as it provides additional protection against medical expenses not fully covered by the public healthcare system. Whether it’s routine consultations, unexpected hospitalisation, or specialist treatments, having the right coverage ensures you don’t face high out-of-pocket costs. For those applying for a visa, proof of adequate health coverage may be required. Our team of experts offers personalized estimation services to help you choose the best plan tailored to your needs. With our dedicated service, you can access top-quality care with peace of mind, knowing you’re fully covered in any situation.
Fabian is very knowledgeable on all things "moving to France" We are looking forward to working with him. Cheers.
What an absolute pleasure it is meeting this team of people who offer the best, up to date advise on moving to France. Their webinars are just so helpful and useful and you couldn't wish to meet a friendlier team of experts. I've learnt so much from these guys and been introduced to and received links to other highly recommended relocation experts along the journey. Thank you Fabien and your awesome team for such a fantastic service.
I scheduled a 30 minute free consultation, and Fabien spent more like 45 minutes with me, answering all my questions clearly. Best 45 minutes I've spent, hands down. I highly recommend Fab Insurance to help manage moving to France.
In one hour Fabien has helped us understand the visa process and insurance options, as well as how to assist us with buying a car. It has taken away a lot of potential stress and we will definitely take him up on his services so we can enjoy the whole experience of moving to France.We look forward to working with Fabien and sharing some wine tips too 🤫.Thankyou for sharing an hour of your time.Stephanie and James
After spending a ridiculous amount of my own time trying to research the requirements and limitations for a long-stay visitor visa in France, I finally found the amazing services provided by Fabien and his team at Fab Insurance. Not onlly did they set us up with an affordable insurance policy that met all of the visa requirements, but Fabien personally answered a raft of questions about the visa process and referred us to somebody who could guide us through the nitty-gritty details of the application and VFS interview. We are happy to have our visas in hand and will embark on our relocation to France this month! Highly recommended!
Fabien is incredibly resourceful and can accommodate a Visa for Americans and others but as an American, I felt comfortable that he is well versed with United States Taxation and has resourceful tax lawyers that can accommodate all the questions I will have. Fabien was able to answer all my immediate questions and understood what I am trying to achieve. His company is also able to sort out the health care insurance, which is required as well as the ability to handhold one through the entire process, something I definitely appreciate.
My wife and I have just had a 30 free consultation chat with Fabien at Fabfrenchinsurance. It was very, very informative and Fabien couldn't have been more obliging and helpful. He answered every question they we threw at him and even some we didn't! The call went on longer than the 1/2 hour but he wasn't in any hurry to go. The chat left us very reassured and positive and we would have absolutely no hesitation in using his services when the time comes for us to make the move.
I contacted Fab to get a quote for a new holiday home in France.I dealt with Elisabeth and Nannie and found both of them to be excellent. Quick responses to my emails and detailed replies to my questions regarding the differences between UK and French property insurance.Whole process has been very easy and the actual quote was also very reasonable. Happy to recommend this service.
As an ex-pat living in France for many years, our experience with the team at Fab Insurance is exceptional. They are knowledgeable, responsive, and simply nice to deal with. We recommend them highly for your insurance needs whether short or long-term. They are extremely experienced with French Visa Requirements and can inform you about choices and insurance carriers. Again, they are simply the best!
We just wanted to pass along to others of our experiences with Fab Insurance that are in need of a reasonably priced health care insurance in France. Just plain outstanding and very professional. First class experience from start to finish. And extremely fair priced. Fabian and Marianne will answer every question you have and help you in every step of the process until you have your certificate to show you have health care coverage in France and all in a very timely manner. We highly recommend Fab Insurance. Thank you very much Thomas & Hilde Wilkens Magnac Laval France.
If I could give 10 stars I would! I wish there was a service like this for more of the aspects of moving to France. My advisor Nannie Bellanger was available to me on more than one occasion to assist me and made the process as easy and seamless as possible. She’s a true professional and I can’t thank her enough!
These people are fantastic! I dealt with someone called Marianne. She was helpful and informative from the beginning (she really knew everything) and provided support right until the end of the process when I'd obtained what I was looking for. Seems like they provide great ongoing support too. I would definitely recommend them.
Our experience with Fab Insurance has been wonderful! Our agent Marianne responded immediately and very thoroughly to all our detailed questions over a period of a couple of months prior to the date when we bought the policy for our visa application. The application process itself was seamless. Thank-you.
Excellent insurance broker with very good customer service. Highly recommended.
What a positive experience. They were very responsive, and when one plan turned out to not work for us due to timing, they quickly offered another solution. We feel that they bent over backwards to meet our tight deadline. We are very pleased, and would highly recommend.
Highly recommend fab French insurance. As well as giving a really competitive price, Fabien is really helpful, responsive and a true professional. Thank you!
Novelia Assurance, & specifically Fabien, we're highly efficient, quick to deal with my request and very professional. Their website was easy to use, everything was clear, and it was a pleasure to deal with them. All my paperwork & communications were given in English so it was extremely helpful to me. Thank you, I will continue to use this company and would definitely recommend it.
Fabien was extremely helpful to me when I was looking for health insurance 2 years ago. He speaks excellent English and helped guide me through several quotes for me to consider. I asked Fabien to clarify a few details I didn't quite understand before I actually signed up for the policy I chose and his replies were always prompt and clearly explained. l am very happy with Fabien's company and I highly recommend to others.
FAQs about Top-Up Health Insurance
Who is behind Fab Insurance?
We’re an independent insurance broker. Established in 2015 and founded by Fabien, we’re a small team of insurance advisors (in-house) located in the Southwest of France and operating in various EU countries (France, Portugal, Spain, Italy and more…).
Who am I buying my policy from?
You will be insured directly through the insurance company you’ve selected, although your broker (us) will remain with you all the time, whatever it is for your application, questions on the policy, claims, etc. We’ll always be there, and our advice will always be for free.
More than 50 partner companies
Comparing private medical insurance across different providers can help you find an affordable policy for you
Need help? Just ask!
We handle entire applications for you. Our partners have dedicated admin team that can push your application forward with the authorities and will give you regular updates.
