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French visa application process: Explained

Moving to France can be an exciting new chapter—whether you’re pursuing a career, studying at a university, starting a business, or joining loved ones abroad. 


But before you can enjoy life in France, there’s one essential hurdle: navigating the visa application process.


For many, applying for a French visa feels overwhelming. 


There are forms to fill out, documents to collect, and strict requirements to meet (plus the risk of delays if anything goes wrong).


Visa rules also vary depending on your reason for moving, which makes it even more important to understand your options from the start.


> In this guide, you’ll learn:
> 
> * Which French visa you need based on your goals
> * What each visa type requires (from documents to health insurance)
> * How long the process takes and what steps to take
> * What happens after your visa is approved
> * And the most common mistakes to avoid


By the end, you’ll have a clear roadmap to follow—so you can apply with confidence and focus on what matters most: your new life in France.


## Why are you moving abroad?


Before diving into paperwork and requirements, the first (and arguably most important) step in the visa process is understanding *why* you’re moving to France.


Visa categories are designed around intent. 


Someone coming for a short\-term holiday will follow a very different process than someone relocating to launch a solo\-entrepreneur business, study at a French university, join a spouse, or retire (in fact, we offer [visa‑approved insurance for retirees](https://feather-insurance.com/en-fr/health-insurance/expat/retirees)). 


Your purpose for moving directly influences which visa you’ll need, what documents you’ll have to prepare, and what [visa-compliant health insurance](https://feather-insurance.com/en-fr/health-insurance/expat/us) you should get.


We’ve seen how this first step—defining your purpose—can shape the entire visa process. It determines which application route you take, what documents you’ll need, and [how to get health insurance](https://feather-insurance.com/blog/health-insurance-france-guide/).


If you’re feeling uncertain, working with [relocation specialists](https://www.easystart.me/) can be a helpful way to clarify your goals and ensure you’re following the right path. 


Once your visa type is confirmed, companies like Feather can assist with visa\-compliant health insurance to help you meet the application requirements smoothly and efficiently.


## The most common visa types explained


Each country has its own naming system, but here are the main visa categories you’re likely to come across in France:


### Tourist and Short\-Stay Visas


If your stay will be 90 days or less and you’re visiting for tourism, business meetings, or family visits, you’ll likely need a **Short\-Stay Visa**. 


In France and much of Europe, this is known as the **Schengen Visa (Type C)**. 


It allows travel throughout the 26 countries of the Schengen Area, but it does *not* permit work or long\-term study.


### Student Visas


Planning to attend university or language school? You’ll need a **Long\-Stay Student Visa**, known in France as the **Visa de Long Séjour valant Titre de Séjour (VLS\-TS) – Étudiant(e)**. 


To qualify, you’ll need:


- Proof of enrollment
- Accommodation
- Sufficient financial resources to support yourself during your studies.
- [Student health insurance](https://feather-insurance.com/en-fr/health-insurance/expat/students)


This visa often allows part\-time work during your time in France (up to 20 hours per week), and in some cases, it can lead to long\-term residency.


### Work Visas


If you’ve secured a job offer abroad, a **Work Visa** is likely your path forward. 


In France, the most common version is the **VLS\-TS Salarié**, which is tied to an employment contract. 


There’s also a **VLS\-TS Travailleur Temporaire** for shorter\-term contracts.


Highly skilled professionals working in a specialized field might qualify for the **EU Blue Card**, which offers more flexibility and mobility across EU countries.


### Freelancer and Self\-Employment Visas


If you’re self\-employed, a freelancer, or a digital nomad, you may qualify for a **Profession Libérale Visa** in France. 


This long\-stay visa is tailored to independent workers who can demonstrate financial stability and a viable business or freelance activity.


France also offers a variation for entrepreneurs under the **Passeport Talent – Créateur d’Entreprise**, which is ideal for business founders and startup builders.


In some countries, dedicated **Digital** **Nomad Visas** are now available, allowing remote workers to live abroad while working for foreign clients or companies.

> Learn more about [French freelancer health insurance](https://feather-insurance.com/en-fr/health-insurance/expat/freelancers).

### Family Reunification Visas


If you’re joining a family member such as a spouse, parent, or child, you’ll need a **Family Reunification Visa**, known in France as the **Visa Vie Privée et Familiale**. 


You must prove your relationship and, in most cases, that your sponsor can financially support your stay.


This visa can often lead to residency rights and, eventually, naturalization depending on your status and duration of stay.


### Talent and Investor Visas


For entrepreneurs, investors, and highly skilled professionals, France offers the **Passeport Talent**. This visa includes several subcategories, such as:


- Skilled Employees
- Researchers
- Founders of Innovative Startups
- Artists and Performers
- Economic Investors


These visas often come with streamlined processing and residency benefits, making them attractive to those who contribute to the local economy or cultural sector.


## How to apply for a French visa


No matter which visa you’re applying for, the success of your application will largely depend on the completeness and accuracy of your documentation. 


Below is a breakdown of the core documents typically required for most visa types:


- **Valid passport:** Your passport must be valid for at least six months beyond your intended stay. If your passport is set to expire soon, renew it *before* applying. Many embassies will automatically reject applications based on short passport validity.
- **Completed visa application form:** Every country requires a visa application form, usually filled out online or downloaded from the official embassy or consulate website. It’s essential to answer all questions honestly and completely, as missing or inconsistent information can lead to delays.
- **Passport\-Sized Photos:** These must meet specific guidelines, typically in terms of size, background color, and facial expression. It’s a small detail, but incorrect photo specs are a surprisingly common reason for application rejection.
- **Proof of purpose:** This is what justifies your stay, as authorities require clear documentation to verify that your reason for entering the country is valid and verifiable. It could be:  

	- A job contract or offer letter for a work visa
	- A university enrollment letter for a student visa
	- A marriage certificate or birth certificate for a family visa
- **Proof of financial means:** You will need to demonstrate that you can financially support yourself during your stay. This might include recent bank statements, pay slips, a contract showing income, or a letter of financial sponsorship. Most countries require proof of a minimum monthly income (recommended 1800€/month) or savings threshold.
- **Proof of accommodation:** Whether it’s a signed rental lease, hotel reservation, or letter from a host, you need to demonstrate where you’ll be staying upon arrival. For long\-stay visas, French embassies often prefer a more permanent housing arrangement.
- **Criminal background check:** This isn’t always required, but many long\-stay or residency visas will request a recent police certificate to verify that you don’t have a serious criminal record. This must usually be issued by your home country (or any country where you have lived for 6 months or more recently).
- **Valid health insurance:** One of the most critical components, especially for long\-stay visas. Many countries, including France, require proof of [comprehensive health insurance](https://feather-insurance.com/en-fr/health-insurance/expat/visa-renewal) that covers emergencies, hospitalization, and repatriation.


Health insurance is a key requirement for most French long\-stay visas. Your coverage must include emergency care, hospitalization, and repatriation and it needs to meet strict local standards.


At [**Feather**](https://feather-insurance.com/en-fr/health-insurance/expat?utm_source=easy-start), we offer expat\-focused plans specifically designed to meet the requirements of French visas. With a fast, 100% digital process, you’ll get your visa\-compliant certificate in minutes, making your application smoother and more secure.




## Common Mistakes to Avoid


Even the most well\-prepared applicants can run into unexpected issues during the visa process. 


These are some of the most common mistakes we’ve seen and the reasons they can seriously impact your relocation plans:


- **Applying for the wrong visa category:** Each visa is designed for a specific purpose, such as work, study, family, or freelance. Applying under the wrong category can lead to an automatic rejection, even if your intentions are genuine. It’s essential to match your application with the correct visa type based on your long\-term goals.
- **Submitting outdated or incomplete documents:** Missing bank statements, an expired passport, or unsigned forms are all small errors that can have big consequences. Immigration authorities are strict about documentation, and even minor omissions can delay or derail your application entirely.
- **Underestimating visa processing times:** Some visas can take weeks (or even months) to process. Many applicants underestimate this and end up in a stressful race against the clock. Always apply early and factor in time for unexpected delays, especially during peak travel or holiday seasons.
- **Booking non\-refundable travel before receiving a decision:** While it’s tempting to book flights or accommodations in advance, doing so before your visa is approved can be risky. If your visa is delayed or denied, you may lose money on bookings that you cannot use. Always buy a refundable ticket in case of any delays during the process.
- **Forgetting to validate or register your visa after arrival:** In France, long\-stay visa holders are required to validate their visa (e.g., the **VLS\-TS**) within a specific timeframe, typically within the first three months. Failing to do so can put your legal status at risk, even if your visa was approved.


Working with visa, immigration, and relocation specialists (we’ve heard great things from [**EasyStart Relocation**](https://www.easystart.me/)) can make all the difference. These companies offer tailored support, carefully reviews your documents, and manages the finer details, ensuring your move is smooth, compliant, and worry\-free from start to finish.

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France digital nomad visa: What you need to know

Cafés spilling out onto cobbled streets, world\-class cheese at corner markets, a morning stroll by the Seine before logging on for the day. If you’ve ever dreamed of working remotely in France, you’re not alone.


The good news? 


France may soon be joining the growing list of countries creating dedicated visas for digital nomads.


While France doesn’t *yet* have an official Digital Nomad Visa, there are several pathways that remote workers and freelancers can use to legally live and work from the land of croissants and co\-working cafés.


In this guide, we break down:


- The current status of a digital nomad visa for France
- Alternatives that remote workers are using right now
- Who qualifies and how to apply
- [What French health insurance do you need](https://feather-insurance.com/blog/health-insurance-france-guide/)
- Why planning ahead is the key to stress\-free remote life in France

(we won't be discussing [what a digital nomad visa](https://feather-insurance.com/blog/digital-nomad-visa-guide) is — we've got another post for that)

## Does France have a digital nomad visa?


Not officially — yet. 


France has announced its intention to introduce a digital nomad visa as part of its broader push to attract international talent and boost remote work tourism, and it’s expected to happen sometime in 2025\.


But don’t worry all is not lost.


While the French government works out the final visa structure, taking into account income requirements, visa duration and tax implications, there are existing visa options that digital nomads and freelancers are already using to live and work remotely in France legally.


Let’s dive into those.


## How to work remotely from France


Until the dedicated digital nomad visa is live, here are two main options for freelancers and remote workers:


### 1\. Long\-stay visitor visa (visa de long séjour – visiteur)


This visa allows non\-EU citizens to stay in France for more than 90 days, up to a year. You *can’t* legally work for a French company while on this visa, but you *can* work remotely for a company or clients based outside France.


You can apply online through the official [France\-Visas](https://france-visas.gouv.fr/en-US/web/france-visas/forms) website. Submit your application to the French embassy, consulate, or an approved service provider like VFS Global or TLS in your country of residence. Keep in mind, you can’t apply more than three months before your intended arrival in France.


You’ll need to prove:


- You have stable income from abroad (a salary certificate, original bank statement of the last 3 months stamped by the bank, or if self\-employed, trade licence of the company)
- You won’t seek local employment
- You’ve arranged suitable accommodation in France (a reservation of an accommodation for at least 3 months following your arrival to France or, if you are hosted by someone in France: a copy of the ID of the host combined with a digital invitation letter, rental contract or title deed and a utility bill (water or electricity) dated within the last three months)
- You have comprehensive [health insurance for freelancers](https://feather-insurance.com/en-fr/health-insurance/expat/freelancers)


This is currently the go\-to route for digital nomads in France.


### 2\. Self\-employed or freelancer visa (profession libérale)


If you’re freelancing or self\-employed and want to work with French clients, this is another pathway. It falls under the “Entrepreneur/Profession Libérale” category and requires more paperwork, but it gives you the ability to earn income in France legally. Much like the Long\-stay visitor visa, you can apply for this online at [France\-Visas](https://france-visas.gouv.fr/en-US/web/france-visas/forms). 


For this, you’ll need:


- Evidence that your freelance job earns at least the minimum wage in France: this could be invoices, bank statements, or receipts of previous client agreements
- Proof of qualifications
- A projected income that is typically over €20,000 a year
- Registration with the French business registry
- [Health insurance](https://feather-insurance.com/health-insurance/expat) that covers your entire stay.


It’s a bit more complex but it’s also ideal for creatives, consultants, or service providers wanting to integrate into the French market.


## Do you need health insurance for the France digital nomad visa?


In one word: yes. [Health insurance is compulsory in France](https://feather-insurance.com/blog/health-insurance-france-guide/) for good reason.


Whether you’re applying through the freelancer visa, or waiting for the official digital nomad visa, proof of health insurance is non\-negotiable. And, for the long\-stay visitor visa it’s recommended. 


Here’s what your policy should cover:


- Emergency medical care
- Hospital stays
- Medical repatriation
- Liability coverage
- Coverage for the entire duration of your visa


And here’s where things get easy: Feather’s digital insurance is already designed with these requirements in mind: our travel insurance is perfectly suited to meet the needs of short\-term stays, while our expat health insurance is ideal for medium term stays in France.


## Why digital nomads love France


So what makes France such a magnet for remote workers?


Let’s be honest — there’s nowhere quite like France when it comes to culture, food and charm. Whether you’re a foodie, a nature\-lover, or just want to enjoy a slower pace of life, there’s a region that fits.


With easy train access across Europe, France makes a perfect home base for exploring the rest of the continent during downtime or weekend getaways. Paris, Lyon, Bordeaux, Marseille, and Montpellier all have thriving digital nomad communities, with co\-working spaces, cafés, and meetups galore making them ideal work\-friendly cities.


[France’s healthcare system](https://feather-insurance.com/blog/health-insurance-france-guide/) is also one of the best in the world. With the right insurance, you can access excellent care without breaking the bank.


## How Feather can help you go remote in France


If you’re dreaming of baguettes and bandwidth, Feather’s got you covered.


Our [expat health insurance](https://feather-insurance.com/health-insurance/expat) options are fully digital, super flexible, and tailored for people like you — freelancers, remote employees, digital nomads, and expats living abroad.


Here’s why Feather is ideal for your French adventure:


- **Visa\-compliant insurance –** Our policies are designed to meet long\-stay and nomad visa requirements across Europe, including France. Get proof of insurance instantly.
- **100% digital –** Sign up, file claims, and manage everything online — no paperwork, no fuss.
- **Real human support –** Our support team is made of real people who truly understand the French visa process and are ready to help you find the best policy.
- **Transparent pricing –** No hidden fees and no complicated tiers — just honest, easy\-to\-understand coverage that’s right for you.


## What’s next?


If you’re planning to live and work remotely from France in 2025 or beyond, keep an eye on the official digital nomad visa France launch, but don’t let that stop you from starting the journey now.


With the right visa and the right insurance you can start your life abroad much sooner than you think.


Before you apply for any visa, check the French consulate in your country for the latest requirements, and secure your insurance early so you’re ready when the paperwork begins.


## Ready to say bonjour to France?


Whether you’re freelancing from the Riviera, logging into Zoom from a Loire Valley vineyard, or building your next startup in a Parisian coworking loft — France is calling.


Feather makes it easy to protect your time abroad, so you can focus on living, working, and thriving wherever you land.


Get visa\-ready [expat insurance](https://feather-insurance.com/en-fr/health-insurance/expat) from Feather and make your move to France seamless, safe, and simple.


Because your next chapter deserves more than a tourist visa — and your lifestyle deserves coverage that travels with you.

[BP] digital nomad visa france

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Life insurance in France (assurance décès)

Planning for the future (and, unfortunately, death) can feel overwhelming. 

Whether you’re an expat adjusting to life in France or a local navigating the complexities of French financial products, you’ve probably wondered what would happen to your loved ones if something happened to you. 

But life insurance isn’t just about money; it’s about peace of mind.

The good news? 

[French life insurance](https://feather-insurance.com/en-fr/life-insurance), known as *assurance décès*, offers more flexibility and tax advantages than you might expect. It can also play a key role in inheritance planning, covering debts, or even act as a long-term savings tool. 

Want to know the best part? 

Once you understand the basics, you’ll easily be able to compare life insurance policies.

> In this post you’ll learn:  
> - What life insurance (assurance décès) actually means in France  
> - Who really needs coverage and why  
> - How policies work  
> - The differences between common types of contracts  
> - How taxes and costs are calculated, especially for expats

## What is French life insurance?

In France, life insurance is referred to as *assurance-vie*. 

A life insurance policy ensures that if the policyholder dies, their chosen beneficiaries receive a payout (which is pre-determined when you buy the policy).

Generally, the beneficiaries use the payout to settle outstanding debts, and cover general expenses while they get back on their feet.

According to the latest data, over [half of French residents](https://feather-insurance.com/blog/life-insurance-statistics) own a life insurance policy. 

## Who needs life insurance in France?

Life insurance in France is not just for parents or retirees. 

From securing your family’s future to safeguarding a business or managing inheritance, the right policy provides lasting peace of mind. 

Below are the key groups who often benefit most from coverage.

| Group | How life insurance provides support |
| ----- | ----- |
| Parents | Helps cover daily living expenses such as childcare, education, rent, and university fees. |
| Primary earners | Replaces lost income so a partner can manage household bills and living expenses without hardship. |
| Business owners | Ensures business continuity by making funds available in the event of the owner's passing away. |
| Seniors without savings | Pays for funeral and final expenses, easing the financial stress on loved ones. |
| Adults with debts | Settles loans or mortgages, preventing unpaid debts from being passed on to family members. |
| Expats | Many foreign residents are not fully covered by the French pension or survivor system. A life insurance policy fills this gap, protecting spouses and children.  |
| Estate planners | French inheritance laws are complex. Whole-life policies often cover estate taxes and provide liquidity, helping heirs avoid the need to sell assets. |

## How does life insurance work in France?

### 1\. Choosing a policy

The insured person (the one whose life is covered) signs a contract with a life insurance company. At this point, they choose:

* the amount of coverage (the sum that will be paid out if they pass away)

* the beneficiaries (the people who will receive the money)

### 2\. Paying premiums

The insured person pays regular premiums (monthly, quarterly, or yearly) to keep the policy active. The cost depends on factors like their age, health, and the amount of coverage chosen.

### 3\. The insured event

If the policyholder dies while the contract is in force, the insurance company activates the guarantee.

### 4\. Payout

The insurance company pays the agreed sum of money directly to the beneficiaries named in the contract. These beneficiaries are usually family members, dependents, or other chosen individuals.

### 5\. How the payout can be used

Beneficiaries can use the money to:

* Cover daily living expenses and maintain their standard of living

* Support dependents such as children or a spouse

* Repay outstanding loans or mortgages left by the insured person

* Cover immediate costs, such as funeral and burial expenses

* Provide financial security in the short and long term

### 6\. Taxes 

Life insurance in France operates within a distinct legal and tax framework. In many cases, the payout is not considered part of the deceased person’s estate, making it more tax-efficient for beneficiaries. (Exact details depend on the age of the insured and the amount invested.)

## What type of life insurance do you need?

When you think about life insurance, you’ll usually come across three main types. Each works in a different way, and the right choice depends on your goals, budget, and family situation. 

Let’s break them down:

### Term life insurance

* Covers you for a set period (often 10, 20, or 30 years).

* If you die during that time, your chosen beneficiary gets a payout.

* Once the term ends, coverage stops unless you renew.

This option is usually the most affordable. 

For example, at Feather, a 25-year-old expat in France will pay around €10.73 monthly for €300,000 coverage lasting 20 years. 

It’s often used to protect a mortgage or children’s education until they’re financially independent.

### Whole of life insurance

* Covers you for your entire life, as long as you keep paying premiums.

* Guarantees a payout whenever you die.

* Premiums are higher because of the lifelong guarantee.

In France, whole life policies can sometimes include a savings component, allowing you to build cash value over time. 

A “cash value” refers to the savings component of whole life insurance policies. It’s a sort of bank account that grows slowly over time as you keep paying your premiums. You can sometimes borrow against it or even withdraw part of it while you’re still alive. 

In France, this is often seen as a way to combine protection (the insurance payout) with a small investment or savings element. This makes them attractive for estate planning or leaving an inheritance, but they’re less flexible and cost more.

### Critical illness insurance

* Pays out a lump sum if you’re diagnosed with a serious illness like cancer, stroke, or heart disease.

* It’s not the same as life insurance, but many policies let you add it as an add-on.

For expats in France, this can be especially important. While the French healthcare system is robust, there can still be high out-of-pocket costs or a loss of income during prolonged recovery periods. This type of cover adds financial stability during a health crisis.

## How to get life insurance in France

Obtaining life insurance in France is generally straightforward; however, the process and requirements vary depending on the type of policy and your individual circumstances.

You can purchase life insurance from several providers:

* **Banks**: Many French banks sell assurance décès as part of their financial services

* **Insurance companies** offer a wider range of products, often with the option to select add-ons, such as disability insurance.  

* **Brokers**: compare multiple insurers on your behalf to help you find the best fit

Because contract terms, fees, and fund options can vary significantly, it is crucial to compare offers before signing.

Most policies require a **health questionnaire**, and higher coverage levels may need a **medical exam**. For example, if you apply for €1,000,000 in term life coverage, the insurer might request blood tests or a doctor’s report.

So, how does the process of buying French life insurance typically unfold?

1. **Compare providers**: Research different life insurance companies and choose the one that matches your financial situation and coverage needs.
2. **Complete the questionnaire**: Fill in details about your health, lifestyle, occupation, and smoking habits. Your answers help insurers determine the right premium.
3. **Set your insured sum**: Determine how much financial support your dependents would need if you were to pass away, taking into account debts, funeral costs, and future family expenses.
4. **Choose the policy length**: Pick the duration of your contract based on factors like your children’s age, education plans, or outstanding loans. Many policies last between 10 and 30 years.

## How much does French life insurance cost?

Several factors determine how much you’ll pay:

* **Age and health**: Younger, healthier applicants always get lower rates

* **Type of policy**: pure risk (term) is cheaper than savings-linked contracts (*assurance vie*)

* **Coverage level and term length**: higher payouts and longer contracts increase costs

* **Lifestyle**: smoking, extreme sports, or hazardous jobs can drive premiums up

**For example,** A 28-year-old non-smoker will pay around €13 per month for €200,000 in term life coverage. The same plan could cost over €120 per month for a 50-year-old smoker.

With that said, life insurance doesn’t have to break your budget. 

Here are four proven ways to save:

1. **Choose term coverage if you just want protection** (for example, covering a mortgage or supporting dependents).
2. **Compare multiple providers**. Prices can vary by 30–40%, so don’t take the first offer. Shop around.
3. **Maintain a healthy lifestyle**. Non-smokers and people with good health metrics pay significantly less.
4. **Check employer-based group insurance**. Many companies in France offer employees discounted life insurance plans. Alternatively, your union or local professional association might. 

## How much death benefit do you need?

The “perfect” death benefit is about balancing two things: 

* Protecting your family if something happens to you

* And avoiding premiums that eat up your budget.

Let’s walk through a practical framework that works for most people (and highlight the extra costs expats in France should keep in mind):

A classic guideline is to cover **5 to 10 years of your annual income**. Another approach is to make sure any **major debts** (like a mortgage or personal loan) would be paid off in full.

**As an example,** let’s say you earn €40,000 a year and have a €150,000 mortgage. In that case, covering around €350,000–€400,000 could be enough to replace your income and clear debts.

The catch is:

It’s just a starting point, not a final answer. 

Your actual needs may vary, because expats often face financial challenges locals don’t. 

Here are three common ones:

* **Education costs:** International schools or universities abroad can add tens of thousands of euros.

* **Repatriation and relocation expenses:** Including the cost of transporting remains, if you wish to be buried in your home country, covering the moving and living back home for your family, etc.

* **Cross-border support:** Financial help for dependents who live outside France.

These costs can add up quickly, so be sure to factor them in when setting your coverage.

## Are death benefits taxed in France?

This is one of the most frequently asked questions by expats about life insurance. 

The short answer: *sometimes*. 

The tax treatment depends on **when you took out your policy, your age at the time of premium payments, and the relationship of the beneficiary to you**.

Here’s a quick breakdown:

* **For policies funded before age 70,** each beneficiary enjoys a **€152,500 tax-free allowance** as of 2025\. Above that, a flat tax of **20% up to €700,000** applies, then **31.25% beyond**.

* **For all premiums paid after age 70,** you get a global allowance of **€30,500** across all beneficiaries. Anything above this is subject to normal inheritance tax rules.

There are exceptions in place for your spouse or civil partner, who generally are fully exempt from taxation, regardless of amounts.

## Alternatives to life insurance

Life insurance is popular in France, but it’s not the only way to protect your family or manage inheritance. 

Depending on your situation, you might benefit from other options (or even might want to combine them with life insurance).

### Prévoyance plans

Many employers in France include **prévoyance** (group protection plans) as part of their benefits package. 

These often come with a **death-in-service payout**, typically equal to two or three years of salary.

Before you buy your own policy, check what your employer already covers. This helps you avoid paying twice for similar protection.

Note that generally, your protection is cancelled when you leave the company.

### Investing

You can also build financial resilience without insurance by using:

* **Savings accounts** for emergency funds or short-term needs

* **Pension plans** to secure retirement income for you and your family

* **Investments** (stocks, bonds, or real estate) for long-term growth

These give you control over your money, but it takes a considerable time to build up the equivalent of a life insurance payout. It’s a smart move to get a temporary term life insurance policy while you build up your nest egg. 

### Donations and property planning

If your main goal is estate planning, French inheritance law offers other ways to transfer wealth:

* **Donations (donations en avance d’héritage)** let you pass assets to heirs during your lifetime with tax benefits.

* **Property ownership structures** (like joint ownership) can simplify inheritance and reduce taxes.

These tools can complement or replace life insurance depending on your financial goals, but are only useful when combined with the services of a tax professional.

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Life insurance in Italy (assicurazione sulla vita)

Life insurance in the Netherlands (levensverzekering)

Life Insurance in Belgium (assurance vie/levensverzekering)

Life insurance in Spain

Life insurance in Sweden

Life insurance in France

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How healthcare & health insurance works in France: Explained

Health insurance is essential for everyone living in France, including newcomers. 


If you’re planning to move here, securing the right coverage is crucial.


In France, there are two main types of health insurance:


- **National Health Insurance** (Sécurité Sociale or SHI) – also known as statutory or public health insurance.
- **Supplemental Health Insurance** (Complémentaire Santé or Mutuelle) – which helps cover costs not reimbursed by SHI.


Here’s a quick overview of how to get health insurance in France:


1. **Before moving:** Get [expat health insurance](https://feather-insurance.com/en-fr/health-insurance/expat) (recommended) or travel insurance (if short\-term).
2. **At 3 months:** Apply for public health insurance (Assurance Maladie), but expect delays.
3. **While waiting for public coverage:** Keep expat insurance so you’re covered.
4. **After getting public coverage:** Get a Mutuelle for better coverage.


Now, let’s dive into how French healthcare and health insurance works.


## Why is health insurance compulsory in France?


Health insurance is mandatory in France to ensure universal healthcare. 


The goal is for everyone to access healthcare, regardless of income or health status. This system is designed to create fairness and prevent people from being excluded from medical care due to financial problems. 


## Where to get health insurance in France?


In France, you can get health insurance from public and private health insurance companies.


If you meet the requirements for public health insurance (we’ll dive into those later in the post), you’ll need to register with the French social security system (CPAM) and obtain a “Carte Vitale,” which grants access to state\-funded healthcare.


If you meet the requirements for private health insurance (which we will also explain), you’ll need to choose a private “Mutuelle” or complementary health insurance plan to cover costs not reimbursed by the public system.


Finally, if you don’t meet the requirements yet, you’ll need [expat or travel insurance](https://feather-insurance.com/en-fr/health-insurance/expat), which you can get from Feather.


## How does the French healthcare system work?


France’s healthcare system combines public and private services, ensuring broad access to medical care. 


It ranks [14th](https://ghsindex.org/country/france/) in global healthcare efficiency and offers state\-funded and private healthcare options.


### **Public healthcare: l’Assurance Maladie**


The public healthcare system, known as *l’Assurance Maladie*, is funded through taxes (roughly 6\.5% of your taxable income), employer contributions, and government subsidies. 


It covers many medical expenses, typically reimbursing 70% to 100% of costs. 


Patients pay upfront for consultations and treatments but receive reimbursements afterward.


Expats who have lived in France for at least 3 months can access public healthcare through *Protection Universelle Maladie (PUMA)*. 


However, full enrollment typically takes another 3 to 6 months, making the total wait time about nine months from your arrival date.


While the system is high\-quality, challenges like doctor shortages, hospital overcrowding, and long wait times have emerged. 


### **Private healthcare: La Mutuelle**


[Private health insurance ("mutuelle")](https://feather-insurance.com/en-fr/health-insurance/private) in France offers faster service and more personalized care. 


Many private hospitals and clinics provide both state\-funded treatments and private services. People often choose private care to avoid wait times or to see top specialists.


To cover costs that the public system does not fully reimburse—such as specialist visits, dental care, and private hospital stays—many residents buy a **Mutuelle**, a supplemental health insurance policy. 


Although not required, [96%](https://drees.solidarites-sante.gouv.fr/publications-communique-de-presse/panoramas-de-la-drees/240710_Panorama_ComplementaireSante2024) of the population has one. 


However, private insurance is only available to those already enrolled in the public system. New arrivals typically cannot get one during their first three to nine months in France.


## Can expats access healthcare in France?


Expats in France can access healthcare through both public and private systems.


To use the public system, expats need a **Carte Vitale**, which proves their registration with French social security (Sécurité Sociale). 


This card allows for automatic reimbursement of medical expenses.


For private healthcare, expats need a **Carte Mutuelle** issued by a supplementary health insurance provider (Mutuelle). 


It helps cover costs the public system does not fully reimburse, such as co\-pays, hospital stays, dental care, and vision expenses. 


When used alongside the **Carte Vitale**, it minimizes or eliminates extra costs.


### What if you don’t have either?


If you have yet to receive these cards—either because you’ve lived in France for less than three months, are still waiting for approval, or have not yet moved—you’ll need [expat health insurance](https://feather-insurance.com/en-fr/health-insurance/expat) (AKA international health insurance).


This type of insurance provides full coverage while waiting to enter the French healthcare system or applying for a visa. 


Policies from providers like Feather offer access to private healthcare, fewer restrictions on hospitals and specialists, and full coverage for private treatments.


### How does expat health insurance work?


- Covers medical expenses in private and public facilities
- Often reimburses **100% of costs** rather than a set percentage
- Includes additional services like medical evacuation and English\-speaking support
- Meets **visa requirements** for healthcare coverage
- Useful for expats who travel frequently and need seamless coverage across Europe
- Plus, you can cancel anytime and keep it until you enter the public or private systems.


For those seeking more flexibility, faster access to care, and a visa\-compliant policy, check out our [expat health insurance](https://feather-insurance.com/en-fr/health-insurance/expat) policy.


## Public vs. private vs. expat health insurance in France




|  | Expat health insurance | Public health insurance | Private health insurance |
| --- | --- | --- | --- |
| Coverage in France | ✅ | ✅ | ✅ |
| Coverage in other EU countries | ✅ | ❌Only with an EHIC card | ❌Only with an EHIC card |
| When are you eligible | ✅Anytime, even before moving | ❌Minimum 3 months in France | ❌Must have public health insurance |
| Visa compliant | ✅ | ❌ | ❌ |
| Cost | €72 per month | Paid for by your taxes (6\.5% of your taxable income) | €30 to €200 per month |


## How to get health insurance in France


### Step 1: Move to France


**Before you even land in France**, you need some kind of health coverage. 


Your options depend on how long you’re staying:


- **Short\-term visits:** Get [travel insurance](https://feather-insurance.com/en-fr/health-insurance/expat#expat-long-short-comparison-simplified) for basic medical needs.
- **Moving to France long\-term:** Get [expat health insurance](https://feather-insurance.com/en-fr/health-insurance/expat#expat-long-short-comparison-simplified) (more comprehensive).


Even if you plan to apply for public health insurance (i.e., obtaining your carte vitale), you won’t be eligible immediately. You need at least three months of residency first.

For families moving to France, we advise you to look into [family health insurance plans](https://feather-insurance.com/en-fr/health-insurance/expat/families).

### Step 2: Apply for your Carte Vitale after 3 months


Once you’ve been in France for **at least three months**, you can apply for **public health insurance** (Assurance Maladie). 


This is how you’ll get your **Carte Vitale**, the essential green card that proves you’re covered and lets you get reimbursed for medical treatments.


Here’s how to apply:


1. **Gather proof of residency** – You need documents proving you’ve lived in France for three months (e.g., electricity bill, rental contract, or official residency certificate).
2. **Contact CPAM** (Caisse Primaire d’Assurance Maladie) – They handle health insurance enrollments.
	- Call **3646** (if in France) or **\+33 184 90 36 46** (if abroad).
	- Book a phone appointment via the [Ameli website](https://www.ameli.fr/assure).


You’re technically eligible after three months, but French bureaucracy moves at its own pace. Receiving your Carte Vitale can take **6** **to 9 months** (sometimes more).


### Step 3: Stay covered until your Carte Vitale arrives


This is where a lot of people get caught off guard.


- You’ve applied for public health insurance, but processing will take a while.
- In the meantime, if you get sick or have an accident, **you’re on the hook for the full cost of medical care** unless you have insurance.


We recommend keeping your expat health insurance (or getting one now if you didn’t before). This ensures you’re covered while waiting for your Carte Vitale.


Some people try to “wing it” without coverage during this period—a bad idea**.** 


If you need emergency care, hospital bills can add up **fast**, and delaying treatment over costs is risky.


### Step 4: Cancel your expat insurance


You’ve finally received your carte vitale…


Congrats!


Now that you’re officially covered by public health insurance, you no longer need your expat insurance.


Contact your expat insurer and cancel your policy ASAP to stop unnecessary payments.


Since you don’t know exactly how long it’ll take to get your carte vitale, choose an expat insurance plan you can cancel anytime. 


Feather offers flexible policies that let you cancel, no questions asked, as soon as you’re covered by the French system.


### Step 5: Get a Mutuelle for full coverage


Your carte vitale is a great first step in obtaining healthcare coverage in France. But it doesn’t cover everything:


- Public insurance **only reimburses some medical costs** (e.g., \~70% of doctor visits and \~80% of hospital stays).
- **You still have to pay the rest out of pocket** – unless you have a **Mutuelle** (a private supplementary health plan).


Unlike the carte vitale, which can take months to process, signing up for a Mutuelle takes about 1\-2 weeks on average.


#### How to get a Mutuelle for employees


If you’re employed in France, your company is legally required to provide a Mutuelle.


This company\-provided plan must meet the minimum coverage standards of labor agreements (convention collective).


You do not get to choose your Mutuelle or its coverage—your employer selects it for you, and you are automatically enrolled.


**What if you want better coverage? Sign up for a “surcomplementaire.”**


Because employees don’t get to pick their Mutuelle, many employees choose to purchase an extra layer of insurance called sur\-complémentaire santé.


This covers additional expenses, mainly dental and vision care, which public insurance and basic Mutuelles don’t fully reimburse.


If you’re interested in maximizing your benefits and coverage, we advise that you shop around for a sur\-complémentaire.


#### How to get a Mutuelle for non\-employees


If you’re **self\-employed, retired, or otherwise not salaried**, you aren’t forced into a specific Mutuelle. 


Instead, you can shop and choose the best fit for your needs. 


Because of this flexibility, it doesn’t make sense for non\-employees to get both a basic Mutuelle and a sur\-complémentaire. 


Instead, they should choose a high\-quality Mutuelle with strong coverage for dental and vision.

Alternatively, you can choose to remain on your [freelancer health insurance](https://feather-insurance.com/en-fr/health-insurance/expat/freelancers).

## A brief history of the French healthcare system


### Healthcare in medieval France


The French healthcare system has its origins in the Middle Ages. During this time, religious institutions established charitable hospitals known as **hôtel\-Dieu** to care for the poor and sick. These early hospitals were funded by donations and managed by the Church.


### Foundations of health insurance


By the late 19th century, industrialization brought new social challenges, prompting the first formal health insurance efforts. In **1898**, France passed its first workplace accident insurance law, requiring employers to compensate injured workers. 


This was followed in **1930** by the **assurances sociales**, which provided health coverage for low\-income workers in specific industries. 


These early programs laid the groundwork for a more comprehensive system.


### Post\-war transformation


After **World War II**, France established its modern healthcare system in **1945** by creating **Sécurité sociale**. 


This universal social security program aimed to provide healthcare access to all workers and their families. Based on **solidarity and universal coverage**, it introduced mandatory contributions from employers and employees, ensuring access to essential medical services.


### Expanding coverage for all


Initially, **Sécurité sociale** mainly covered salaried workers. Over time, it expanded:


- **1961** – Farmers were included.
- **1978** – The self\-employed gained coverage.
- **2000** – **Couverture Maladie Universelle (CMU)** was introduced, guaranteeing healthcare access to all legal residents, regardless of employment status.


## Frequently Asked Questions: French healthcare system


### How do you get a doctor’s appointment in France?


In France, you can schedule a doctor’s appointment by calling, visiting the practice, or using online platforms. 


Many doctors also offer direct booking on their websites. 


While you are free to choose any general practitioner (médecin traitant or GP), it’s recommended that you register with one for better reimbursements from health insurance. 


If you haven’t chosen a GP, you can search for one using the [Ameli directory](https://annuairesante.ameli.fr/) or platforms like [Doctolib](https://www.doctolib.fr/).


### Does health insurance cover giving birth in France?


The French healthcare system covers pregnancy\-related care through Assurance Maladie. 


This includes:


- Prenatal checkups (E.g., ultrasounds and lab tests)
- Childbirth
- Postnatal care (E.g. follow\-up consultations, midwife visits, and recovery treatments)


All maternity\-related costs are fully covered from the sixth month of pregnancy until 12 days after birth. 


However, choosing a private clinic or certain specialists may incur additional fees. 


A supplemental insurance plan (mutuelle) can help with extra benefits, such as private hospital rooms and extended postnatal care.


### Does French health insurance cover medication?


French health insurance reimburses medication costs at different rates (15%, 30%, 65%, or 100%) depending on necessity. 


Essential medicines, like those for chronic conditions, receive higher reimbursements. 


Even when covered, a small copayment may be required unless you have a mutuelle. 


Non\-prescription medications are generally not reimbursed.


### Does the French healthcare system cover hospitalization?


If admitted to a public hospital or a contracted private clinic, Assurance Maladie covers 80% of the costs. 


Patients must pay the remaining 20% unless they have a mutuelle. 


Additional expenses include a daily hospital fee (€20 per day) and extra charges for private rooms or specialized treatments. 


A mutuelle can help cover these costs, including extended hospitalization and non\-medical services like TV and internet.


### Should you get supplementary coverage?


In most cases, yes. If you have frequent medical needs or can’t afford unexpected medical bills, a **mutuelle** can help cover additional costs. 


For example:


- Dental and optical care are only partially reimbursed by Assurance Maladie, making supplemental insurance valuable.
- The public system often does not fully cover physiotherapy and alternative treatments (e.g., osteopathy).
- If you expect hospital stays, a mutuelle can cover the **remaining 20% of costs** and daily fees.


### Is healthcare expensive in France?


Healthcare in France is relatively affordable due to the public reimbursement system.


Residents contribute to Assurance Maladie through payroll deductions or direct payments. 


While many services are covered, there are some costs, such as a €1 copayment per consultation, extra fees for specialists, and partial coverage for certain medications. 


A mutuelle reduces these expenses. 


Costs vary based on age, coverage level, and provider, typically ranging from €30 to €200 per month. 


Low\-income individuals may qualify for government\-subsidized insurance (Complémentaire Santé Solidaire).


### How can I change my insurance company?


Switching a mutuelle *can* be simple. 


Since 2020, you can cancel your policy anytime after one year without penalties. When changing providers, the new insurer usually handles the cancellation. 


However, if your mutuelle is provided by your employer, you can only switch if you change jobs or your situation changes (e.g., retirement).

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