English-speaking mutuelle for families in France
Top-up health insurance covering parents and children. 3rd child free, from €80/month.
What is a family mutuelle?
A mutuelle is private health insurance that tops up coverage when Sécurité Sociale doesn't kick in fully. It's essential for families with children who need dental care, glasses, orthodontics, and frequent doctor visits. Family plans typically cost €80-200/month.
In France, healthcare coverage works in 2 layers:
1. Public health insurance (PUMa / Sécurité Sociale)
Reimburses part of your family's medical costs (around 30–70%) for things like GP visits, paediatrics, prescriptions, and some hospital care — but leaves big gaps for dental, vision, orthodontics, and many specialists.
2. Mutuelle, or "private top-up health insurance"
Covers all or part of what the public system doesn’t reimburse. For families, this means significantly improved coverage for dental, optical, hospital services, and specialist care, allowing for fixed, predictable monthly healthcare costs.
What's covered?
GP and pediatric visits
Top-up reimbursement for consultations and follow-ups.
Hospitalisation
Additional reimbursement for hospital stays, surgery fees, and private rooms.
Dental and orthodontics
Support for cleanings, fillings, crowns, braces, and other dental needs.
Vision and glasses
Coverage for frames, corrective lenses, contact lenses, and eye exams.
Pharmacy
Higher reimbursement for prescribed medications.
Alternative care
Support for physiotherapy, osteopathy, acupuncture, and similar treatments.
Protection designed for family life
When you have children, healthcare surprises are part of life. These services are included with your family coverage:
Childcare support when parents are sick
Life keeps running for your kids, no matter what. Feather's mutuelle gets you home help, cleaning, errands, and childcare assistance if a parent is hospitalised or immobilised.
Family travel coverage (30 days/year)
Healthcare coverage during family holidays outside France. We know, kids get sick at the worst times. But at least, you're covered.
24/7 English-speaking teleconsultation
Access English-speaking doctors anytime through MédecinDirect. Perfect for late-night fevers, rashes, and "should we go to the ER?" questions.
Emergency repatriation assistance
Organised return to appropriate care if any family member becomes seriously ill or injured far from home.
Why families choose Feather
No upfront payments
With tiers payant, many doctors, pharmacies, labs, and hospitals bill Sécurité Sociale and Feather directly. That means in many everyday situations, you don’t have to advance the full amount and wait for refunds.
Strong coverage where children need it most
Children and teenagers often need more dental care, orthodontics, glasses, lenses, and specialist visits.
With a mutuelle, these areas are much better reimbursed than with public insurance alone, so braces, regular check-ups, and new glasses don’t turn into big, unexpected expenses.
Family-friendly and flexible
You can choose different coverage levels for each person — for example, higher dental/optical cover for a child with braces and glasses, and something simpler for a parent.
From the third child onward, coverage is free.
Ready for comprehensive family coverage?
Protect your loved ones with a mutuelle built for families in France. Get your personalized quote in minutes.
Which families need a mutuelle?
> "A family of four without a mutuelle can easily spend €2,000-3,000/year out of pocket — one set of braces alone costs €600-2,000. With a good family mutuelle, you turn that into a predictable €100-150/month and avoid the big surprises."
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> — **Eloi Lanthiez**, French insurance expert at Feather
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Families living in France
You’re covered by Sécurité Sociale, but between GP visits, check-ups, dentists and the occasional emergency, the “reste à charge” adds up fast. A mutuelle helps reduce these costs across the whole family so healthcare doesn’t become a monthly surprise.
Families with young children
Your kids see doctors more often for paediatrics, vaccines, fevers, and minor accidents. A mutuelle improves reimbursement for frequent consultations, tests and treatments, so you can go to the doctor when needed without worrying about the bill every time.
Teenagers and older children
Braces, dental work, glasses, lenses, sports injuries, and mental health support all tend to show up in the teenage years. With a mutuelle, orthodontics, optical and specialist visits are much better reimbursed than with the public system alone.
International / multilingual households
One parent (or both) doesn’t speak fluent French, but all your healthcare, letters and reimbursements go through French admin. Feather gives you a mutuelle with clear explanations and support in English, making the system easier to navigate for the whole family.
Single parents
You manage everything yourself: kids, work, school, paperwork. A mutuelle gives you predictable healthcare costs and strong cover for your children, with a simple online account to track reimbursements and documents in one place.
Not registered with the French system yet?
If your family isn’t on PUMa yet or you’re still waiting for your social security numbers, start with expat health insurance, then we’ll help you move over to the public system when you arrive.
How to use your family mutuelle
Present your Carte Vitale
Most healthcare providers send your claim directly to Sécurité Sociale.
If you receive a feuille de soins, upload it through your Feather account for reimbursement.
Feather completes the reimbursement
After public insurance processes the claim (or once we receive your feuille de soins), Feather covers the remaining amount.
Receive fast reimbursements
Refunds go directly to your bank account. And with tiers payant, many visits require no upfront payment at all.
Why families choose Feather
3rd child covered free
Family-friendly pricing: from the third child onward, coverage is included at no extra cost.
Different coverage per family member
Choose between different plans to adjust your coverage to your needs
English support for French healthcare
We explain everything in plain English — attestations, CPAM letters, reimbursements — so both parents can understand what's happening.
Get your mutuelle quote in minutes
Feel free to book a call with an expert who will be able to advise you on which plan to pick or the healthcare in France
Frequently asked questions
Can I add my spouse or partner?
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?
See our FAQ page for more answers.
