How the comparator works
What the comparator compares, how it ranks offers, what its price ranges are worth, how the firm is paid and what it does with your data. Information every online comparison service owes under the French Consumer Code (art. L.111-7).
Who runs this comparator
The international health insurance comparator on this site is designed, hosted and operated by Izem Assurances, an insurance broker registered with ORIAS under number 25002362 as a courtier d’assurance (COA). No third party computes or ranks the offers on the firm’s behalf.
- Service provider
- Izem Assurances — 60 rue François 1er, 75008 Paris
What the comparator compares
The comparator covers 9 individual health insurance plans from 9 companies among those the firm distributes:
- April International
- MSH International
- Cigna Global
- Allianz Care
- Bupa Global
- AVA
- ACS
- Henner
- Assur Travel
The results do not represent the whole market. The other companies presented on the site are assessed manually by the firm on request. A company wishing to have its plans listed in the comparator can write to contact@izem-assurances.fr; none pays to be listed.
How the offers are ranked
The comparator does not rank by price. It gives each plan a suitability score for your profile, computed from your answers to the three questions: the type of project (long-term expatriation, temporary stay, studies, business), the destination, the age group, the household (alone, couple, family) and the priorities you ticked (maternity, optical and dental, CFE top-up, tight budget, already abroad, family).
Each plan carries, in the site’s catalogue, the projects, destinations, age groups and priorities for which the firm considers it relevant, plus a base score. A match on the project adds 4 points, on the destination 3, on each priority 3, on the age group 2, on the family profile 2. The three plans with the highest score are displayed, numbered 1 to 3 in that order. Ties are broken by the catalogue order, which is fixed and unrelated to the firm’s remuneration.
If you ticked “CFE top-up”, only plans that exist as a top-up to the Caisse des Français de l’Étranger are compared.
This ranking is a shortlist meant to guide the conversation with the firm. It is not the personalised advice the broker owes you, which is given in writing at the quote stage, after an analysis of your needs.
What the price ranges are worth
The ranges shown are estimates computed by the site, not prices obtained from the insurers. They are not computed in real time and do not constitute an insurance offer. To date the site holds no insurer rate table.
The estimate starts from a reference monthly premium per age group, adjusted for the cost of care in the destination country, the type of project and the household, then for each plan’s market positioning. The range runs from 85% to 130% of that estimate. For a CFE member, the range is that of the top-up alone; the CFE contribution is not included.
These parameters were last checked against public prices (entry prices and ranges published by insurers and by market comparators) on 8 September 2026. They are reviewed within one month of any price change known to the firm, and replaced, company by company, by real rate tables as those are integrated.
The exact premium depends on each insured person’s exact age, the health questionnaire, the cover and options chosen, any deductible, the effective date and the currency of the contract. Business projects are not estimated: they are quoted.
Remuneration and independence
The comparator is free for the visitor, and the firm never charges for its comparison or referral services. Comparing here costs no more than subscribing directly with the company.
Izem Assurances is paid a commission by the company with which the contract is finally concluded. That remuneration plays no part in the score, does not change the order of the results and is not paid for displaying an offer. The firm has no capital links with the companies presented, in either direction.
Your data
The three questions require no name, e-mail address or phone number: the results appear without anything being sent to the firm. Your answers stay in your browser.
Only the exact-quote request, which you may or may not send, transmits to the firm your name, your e-mail address, your phone number if you give it, your answers and the plan you chose, to handle that request and nothing else. Details are in the data protection policy of the legal notice.
Referral and subscription
From the results you can request the exact quote for one or more plans. The firm checks eligibility, adjusts the cover and sends you the exact price within 24 working hours, with its written recommendation. The contract is then concluded with the company, through the firm, on the company’s terms.
- Request a quote
- Quote and contact — reply within 24 hours, no obligation
Complaints
Any complaint about the comparator or the firm’s services follows the procedure described in the legal notice: acknowledgement within 10 working days, reply within two months, then recourse to the insurance ombudsman. The Autorité de contrôle prudentiel et de résolution (ACPR) supervises insurance intermediation.