Henner expat health insurance, CFE top-up: broker profile
Henner is the historic partner of the Caisse des Français de l’Étranger (the CFE, the French state health fund for citizens abroad) for its expatriate health offer, available as a top-up to the CFE or as first-euro cover. The direct-billing care network counts more than 68,000 professionals in 196 countries.
EntityHenner SAS, Neuilly-sur-Seine, active in group employee benefits in France since 1947
StatusPreferred partner of the Caisse des Français de l’Étranger (the CFE)
Flagship productHenner Expat Santé, as a top-up to the CFE or as first-euro cover
Subscription age18 to 69, extendable to 75 with proof of ongoing work activity
Care networkMore than 68,000 direct-billing professionals, in 196 countries
Henner is a French group employee benefits provider, active since 1947, and the preferred partner of the Caisse des Français de l’Étranger (the CFE, the French state health fund for citizens abroad) for its expatriate offer. The flagship product, Henner Expat Santé, is available as a top-up to the CFE or as first-euro cover for those who do not want to join the public fund.
Subscription is open from age 18 to 69, extendable to 75 with proof of ongoing work activity, with four coverage zones based on the cost of care in each country. One notable point: Henner does not open subscriptions for residence in the United States or the United Arab Emirates, nor for a handful of countries under embargo.
The care network claims more than 68,000 direct-billing professionals in 196 countries. Maternity is covered after 10 months of membership, dental and optical after 6 months. The CFE top-up requires already being a member of the fund, which has its own waiting period if membership starts late: Henner offers an option to bridge this gap in cover. The company also supports retirees at the end of an expatriation, as the portability of CFE rights makes the transition easier when returning to France.
CFE members and prospective members
A top-up that brings out-of-pocket costs on routine care down to almost zero.
Retirees abroad
The dedicated Expat Duo plan also supports the return to France at the end of an expatriation.
Young people studying or on a Working Holiday Visa
The Expat Duo Jeunes Étudiants et PVT plan targets this profile specifically.
Four coverage zones (A to D) based on the cost of care in each country; subscription is not open for the United States, the United Arab Emirates, or a list of countries under embargo.
Plans we place- It is not possible to subscribe for residence in the United States or the United Arab Emirates: Henner does not cover policyholders there.
- Maternity is covered after 10 months of membership; dental, optical and prosthetics after 6 months.
- The CFE top-up requires already being a member of the CFE, which has its own waiting period if membership starts more than three months after departure.
- Medical underwriting applies at subscription; the detailed exclusions depend on the policy documentation provided with the quote.
Your questions about Henner.
Do you need to be a CFE member to subscribe with Henner?
Only for the CFE top-up plan. Henner also offers a first-euro plan, without going through the public fund, for those who prefer a single private contract.
Does Henner cover expatriation to the United States?
No. Henner does not open subscriptions for residence in the United States or the United Arab Emirates, nor for a handful of countries under international embargo.
Up to what age can you subscribe with Henner?
Subscription is open from age 18 to 69, and can be extended to 75 with proof of ongoing work activity.
Page written by Izem Expat based on the policy wording and information documents published by the insurer; it is not binding on the insurer. Exact benefits depend on the plan and the year of subscription.
Reviewed by Mustapha Naït Cherif