Affordable top-up health insurance: looking after your health and your wallet

Top-up health insurance supplements reimbursements from the French national health insurance system (Assurance Maladie) by covering all or part of the costs left for you to pay. Depending on your policy, it can cover consultations, medicines, dental care, glasses, hospitalisation and even some alternative medicine treatments. Taking out top-up health insurance helps you keep better control of your healthcare budget and avoid unexpected expenses.

When you see a healthcare professional, the Assurance Maladie reimburses part of the costs according to the rules in force. Your top-up health insurance then steps in to supplement this reimbursement, in line with the cover set out in your policy. The amount covered therefore depends on both the Assurance Maladie reimbursement and the level of cover you have chosen. With electronic claims transmission (télétransmission), reimbursements can usually be made automatically, with nothing more for you to do.

The 100% Santé basket is a French scheme that gives access to certain optical, dental and hearing equipment with no out-of-pocket costs, subject to conditions. The equipment included is selected to meet quality and price criteria. To benefit, you must have a "responsible" top-up health insurance policy and choose equipment from the 100% Santé basket.