Top-up health insurance for the French system
Complete your Sécurité Sociale cover with an English-speaking mutuelle.
Your healthcare costs at a glance
Public health insurance in France (Sécurité Sociale) reimburses only part of your medical costs—typically between 30% and 70%. A complementary health insurance policy (mutuelle) covers the remaining expenses and helps protect you from high out-of-pocket medical costs.
Below, you can see what someone typically pays with Sécurité Sociale alone compared to Sécurité Sociale plus Feather Mutuelle (Comfort plan example).
Ready to reduce your out-of-pocket costs?
Get a personalised mutuelle quote in a few clicks and see how much you could save.
Benefits of adding a mutuelle
Match how healthcare really works in France
The French system is built around having both Sécurité Sociale and a mutuelle. Joining both means you’re using it the way locals do.
Keep healthcare affordable
Doctor visits, specialists, blood tests, and prescriptions become much easier to budget for when you’re not paying the full “reste à charge” each time.
Who is it for?
Freelancers & profession libérale
You’re self-employed or run your own business in France. A mutuelle helps stabilise your healthcare costs — and if your legal status allows it, premiums for a responsible contract may be tax-deductible (Madelin-eligible).
Retirees & non-workers
You rely on the French system (and possibly an S1) for your base cover, but want better reimbursement for specialists, ongoing treatments, and regular check-ups.
Students & young adults
Even if you’re healthy, dental care, glasses or an unexpected exam can be expensive. A mutuelle keeps costs manageable while you study or start working.
Employees & job seekers
You’re employed, between jobs, or not covered by a company plan and want more than the basic reimbursements from Sécurité Sociale.
Families
You have children or dependants who use healthcare regularly. A mutuelle helps for paediatrics, dental, glasses, and everyday visits. From the third child onward, special family pricing can apply depending on the plan.
Ready for comprehensive coverage?
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What's covered?
GP & specialist visits
Top-up reimbursement for consultations and follow-ups so you pay little beyond the mandatory contribution.
Hospitalisation
Better coverage for hospital stays, surgery, medical acts and daily hospital fees.
Medication & exams
Extra reimbursement on prescription drugs, lab tests, X-rays and imaging when the public system doesn’t cover everything.
Dental care
Preventive care, fillings and more advanced treatments like crowns and prostheses, with much higher reimbursement than Sécurité Sociale alone.
Optical care
Support for frames, lenses and eye exams, making glasses or contacts much more affordable.
Alternative medicine
Partial reimbursements for osteopathy, acupuncture, dietitians, and more
Extra protections every expat needs
On top of medical reimbursements, Feather Mutuelle also includes key services that are especially useful when living abroad:
Everyday life assistance
Practical help if you’re immobilised or hospitalised: home help, support services and, in some cases, psychological assistance.
Repatriation assistance
Organisation and coverage of medical transport if you become seriously ill or injured and need to be moved to an appropriate facility.
Healthcare abroad (up to 30 days/year)
Medical cover for sudden illness or accidents during short trips outside France, often including emergency dental or eye care.
24/7 teleconsultation in English
Access to doctors online at any time, with the option to speak in English so you don’t get stuck in translation during a medical issue.
Not yet in the French system?
Feather also offers Expat Health Insurance to help you get coverage before you're registered with Sécurité Sociale.
How to use private health insurance?
Use your insurance card
At the doctor's office, use the digital insurance card you can find in your account.
Collect the bill
Your doctor will issue an invoice to you. In case the tiers payant system is not available.
Get reimbursed
Submit the bill through your account, and you'll be reimbursed within 3 weeks.
Why Feather?
Best-rated support in Europe
If you’re unable to solve a problem, we can assist you online via video call or by email.
Digital account management
Manage your health insurance policy online, including updating information or claims.
Customized coverage
Choose between different plans to adjust your coverage to your needs
Everything in one account
Health, liability, home, and other insurance policies can all be managed in one account.
Frequently asked questions
Why do I need a complementary health insurance (mutuelle) in France?
Who is eligible for Feather's health insurance?
Can I have multiple complementary health insurance policies?
Am I covered worldwide with private health insurance?
