Independent broker · Paris 8th · ORIAS No. 25002362
The leading insurers.Three offers.Two minutes.
An independent broker based in Paris, Izem Expat compares April, MSH, Cigna, Allianz Care, Bupa and the other leading names in international health insurance for you, and represents only one interest: yours. A dedicated adviser guides you from your first question to the signature, and remains your contact once you are there. A free personalised assessment within 24 hours.
The request takes 2 minutes. Reply within 24 hours.
- Excellent on Trustpilot · 21 reviews
- No phone number required
- €0 filing fees
Your three best offers
Indicative monthly premiums. Mustapha finalises the quote with you.
- № 1 · April InternationalMyHealth International≈ 205 – 315 € / monthindicative
- № 2 · MSH InternationalFirst'Expat+≈ 415 – 630 € / monthindicative
- № 3 · Cigna GlobalSilver / Gold≈ 475 – 725 € / monthindicative
- 60+Countries covered
- 24 hExact quote within
- 10Years of expertise
- €0Filing fees
A cover for every way of leaving.
Health, life and disability, mortgage: eight situations, one adviser.
Settling abroad long-termLong-term expatriationAs soon as you settle abroad long-term, French social security stops covering you. Here is what you need to know, and what we put in place.Discover
Working holidays, assignments, transitionsTemporary staysA few weeks or months outside France: a working holiday, a freelance assignment, a transition between two lives. Cover needs to start immediately, meet visa requirements, and stop when you come home.Discover
Visas, universities, exchangesStudying abroadUniversity, an exchange programme, a gap year: your institution and the consulate each demand their own proof of cover. It has to arrive before term starts, not after.Discover
Group cover, HR, international mobilityBusiness & mobilityYour staff move abroad; your obligations stay with you. Group expatriate contracts, assignment cover, group plans, sized to your HR needs, not to a catalogue.Discover
Seniors, pre-existing conditions, the CFERetiring abroadRetiring in Portugal, Thailand or Morocco: your pension follows you, French social security does not. Past 60, the right contract comes down to three criteria that online comparison sites ignore: the maximum age for taking out cover, what happens to conditions you already have, and trips back to France.Discover
Multiple countries, one contractDigital nomads & freelancersThree months in Lisbon, six in Bali, a winter in Dubai: your address changes, your cover shouldn’t have to change with it. A freelancer has no employer and no group contract behind them, you choose your own health cover, and it’s your business that stops if it’s missing.Discover
Protecting those who stay behindLife & disability coverAbroad, French state protection stops at the border: no more Social Security death benefit, no more disability pension, and often no employer group scheme. International life and disability cover pays a lump sum or an income to your family if you die, and an income if you can no longer work. It is the contract nobody mentions before leaving, and the one people regret not having.Discover
Borrowing in France from abroadMortgage insuranceBuying in France while living in Singapore, Dubai or Montreal is possible. But the bank requires borrower insurance, and the bank’s insurer often refuses non-residents, or overcharges them. A separate contract, with an insurer that accepts your country of residence, unlocks the loan and often costs less.Discover
Three questions. Three offers. Zero cold-calling.
Describe your project
Destination, duration, who is travelling with you. Two minutes, no phone number required to see the results.
We compare
April, MSH, Cigna, Allianz Care, Bupa… every contract read line by line: hospitalisation caps, maternity, repatriation, exclusions. Our independence is total.
Your three best offers
A reasoned shortlist, not a directory. If you wish, Mustapha finalises the quote and handles the whole subscription from A to Z.
Founded by an expat, not an algorithm.
Mustapha lived for several years in South-East Asia and has worked in international insurance for ten years. He knows the price of a night in hospital in Bangkok, the paperwork a Singapore visa requires, and the real difference between the CFE (Caisse des Français de l’Étranger, the French state fund for citizens abroad) and first-euro cover. He is the one who answers you, before you leave, and once you are there.
And more than fifty other destinations: tell us about yours.
« Je tiens à remercier sincèrement Mustapha pour son accompagnement exceptionnel dans la souscription de notre assurance internationale. Grâce à lui, tout le processus a été simple, rapide et surtout parfaitement adapté à nos besoins, que ce soit pour moi ou pour ma famille. Il a su être à l’écoute, disponible, et très professionnel, en prenant le temps d’expliquer chaque détail et de comparer les meilleures options du marché. Nous nous sentons aujourd’hui pleinement rassurés et bien couverts. Je recommande vivement ses services à toute personne cherchant une assurance internationale fiable et personnalisée ! »
« Cela fait 33 ans que nous vivons a l’étranger, on est passé par tous les continents, l’année dernière nous avons décidé de changer de mutuelle après 16 ans et je suis tombé sur Izem Expat après avoir posté une requête d’information sur Dubai. Je n’ai pas été déçue, Mustapha a délivré une excellent service. Les informations sont claires et en cas de doutes Mustapha est présent pour jouer les intermédiaires avec la mutuelle. Nous aurions du changer de mutuelle il y a bien longtemps ! »
« Super service . Izem est à l’écoute et toujours disponible pour répondre aux questions . Suivi impeccable . Nous avons souscrit à un assurance internationale en Thaïlande grâce à lui et nous avons trouvé grâce à lui la meilleure couverture pour notre famille . »
« Très bonne expérience avec Mustapha pour le choix d’une assurance santé pour notre expatriation en famille en Asie. Nous recommandons vivement. »
What we get asked most often.
Should I take out cover before or after I leave?
Before, so you are covered from day one. Already there? Solutions exist too, most insurers accept applications from abroad.
The CFE or first-euro cover?
The CFE reimburses on the basis of French rates: a €120 consultation gets you back around €17.50. First-euro cover reimburses the actual cost, from the first euro spent. The right choice depends on your age, your health and your country, which is exactly what we analyse.
How much does it cost?
From a few tens of euros a month for a student to several hundred for a family in the United States. The comparator gives you an order of magnitude in two minutes; the precise quote follows within 24 hours.
What is the difference with travel insurance?
Travel insurance covers the unexpected during a short stay. Expat insurance covers a life: routine care, hospitalisation, maternity, long-term follow-up, for months or years.
Does using a broker cost me more?
No. Our fees are paid by the insurers, at the same rates as if you subscribed directly. You gain the comparison and the support, at no extra cost.
Who do I talk to after I have subscribed?
The same person as before: Mustapha. A claim, a reimbursement question, a change of situation, you never call a call centre.
Your personalised assessment, within 24 hours.
Free, no obligation, no sales follow-up. Describe your project, we do the rest.
- Excellent on Trustpilot · 21 reviews
- No phone number required
- €0 filing fees