Malakoff Humanis expat health insurance: plans and cover
Malakoff Humanis offers expatriates health cover that complements the CFE, plus a separate first-euro plan, each with several levels of cover.
CFE-complementary planPack Expat’ CFE Individuel
First-euro planExpat’ Individuel
Cover levels5 progressive levels per plan
Advertised servicesHospital direct billing, 24/7 medical assistance, repatriation and teleconsultation
Malakoff Humanis offers two individual international health plans: Pack Expat’ CFE Individuel, taken out alongside the Caisse des Français de l’étranger, and Expat’ Individuel, which covers costs from the first euro. Its official pages describe five progressive cover levels for each plan.
Advertised services include hospital direct billing abroad, 24/7 medical assistance, medical repatriation, baggage cover and teleconsultation. Public-liability cover and some services vary by plan, so check the schedule of benefits for the option you are considering.
The cost depends on the applicant, country and level of cover. Public examples are only reference points; the Izem Expat comparator shows indicative ranges and does not have a contractual Malakoff Humanis rate table. Amounts and terms must be confirmed with a personalised quote.
Expats who are members of the CFE
Pack Expat’ CFE Individuel complements cover from the Caisse des Français de l’étranger.
People not choosing CFE cover
Expat’ Individuel reimburses healthcare costs from the first euro, according to the selected cover level.
Families and self-employed people
The individual plans are adapted to household composition and country of residence; exact terms depend on the quote and plan level.
The plans are designed for people living abroad and take the country of residence into account. Check eligible countries and applicable cover in the contractual documents.
Plans we placeYour questions about Malakoff Humanis.
Does Malakoff Humanis offer first-euro cover?
Yes. Expat’ Individuel is separate from Pack Expat’ CFE Individuel. It reimburses healthcare costs from the first euro, according to the selected level of cover.
How many cover levels are available?
The official pages describe five progressive levels for the individual plans. See the contractual documents for the exact reimbursements, options and limits.
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