Club Clé France: French Insurance
Fab French Insurance is a French registered company, specialising in property, car and health insurance for English speaking residents of France, as well as those visiting from the UK on short term visits.
The company was established by Fabien Pelissier in 2015.
Fabien has a small team of English-language speaking staff based in the South West of France. So you will get a dedicated English-language speaking broker who is also a French native speaker. They are able to provide our clients with a clear, easily understood, tailored solution to their requirements.
Why choose FAB Insurance?
We are Human, not robots: We prioritize personal connections by providing dedicated English-speaking advisors. Our focus is on delivering human interaction and feedback, ensuring that our clients receive attentive and personalized service at every step.
We understand the unique cultural backgrounds and needs of expats.
By partnering with a wide range of insurers and numerous providers worldwide, we’re able to find affordable, tailored solutions for every individual situation.
There are no hidden fees. We believe in trust and transparency.To obtain a quote, please provide us with your basic details via the form below.
You will find it Fabulously Easy!
Please complete our Enquiry Form Below for more information.
Club Clé France: French Healthcare Insurance
Health Insurance For Your Visa Application
Are you planning on a permanent move to France?
If you intend to be around more than 90 days per year or for residency purposes, you’ll need to have a VISA. Whatever you need a VLS-TS or VLS-T visa you’ll probably need private medical insurance.
Finding the right medical insurance will make or break your visa application so don’t overlook this.
Technically, Private Health Insurance (PHI) is like travel insurance except that travel insurance is limited to emergency cover. PHI can cover routine medicine, tests and treatments, and sometimes existing conditions.
A PHI will be required for a residency application and/or a visa. That policy also needs to include public liability and repatriation and there is a minimum amount it should cover for medical expenses.
PHI is somewhat identical to the combined cover provided by both the French social security and a mutuelle (top- up health insurance) but, for the mutuelle, you have to have a French social security number although you’ll see that mutuelles don’t require a medical questionnaire which means no possible exclusions.
We will also advice the exact plan that will meet the expectations of the various governmental bodies.
We can usually weave our magic, even difficult insurance cases.
Please complete our Enquiry Form Below for more information.
Top-up Health Insurance
A "mutuelle" in France is a supplementary health insurance, covering costs not fully reimbursed by the state healthcare system, ensuring complete healthcare protection.
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.
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.
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 personalised 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.
Please complete our Enquiry Form Below for more information.
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 personalised 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.
Please complete our Enquiry Form Below for more information.
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.
Why choose us?
Human, not robots: We prioritise personal connections by providing dedicated English-speaking advisors. Our focus is on delivering human interaction and feedback, ensuring that our clients receive attentive and personalised service at every step.
We’ve been delivering fabulous service since 2015! Years of dedicated support to our valued clients—and we’re just getting started. Here’s to many more!
We understand the unique cultural backgrounds and needs of expats. By partnering with a wide range of insurers and numerous providers worldwide, we are able to find affordable, tailored solutions for every individual situation.
For everything you need to know about French property visit www.clefrance.co.uk
