Health insurance for expats living in France
Health cover · Mutuelle santé

Health insurance for expats living in France

Top up the French health care system cover with a comprehensive complementary mutuelle cover. English-speaking advisors, transparent reimbursements and direct billing with the major French health networks.

  • English-speaking advisors
  • Tiers payant accepted
  • Family & individual plans

Why choose this cover

Beyond the French health care system

Reimburses what the state cover leaves out and more depending on the level of cover.

No paperwork in French

We handle the carte Vitale link and feuilles de soins so you never decode a French form alone.

Family-friendly

Add a partner and children on a single contract with maternity and paediatric benefits.

What this cover includes

French top-up health cover for English speakers

Whether you are employed or self-employed, with or without children, retired or still working, Allianz offers flexible health insurance solutions designed to adapt to your situation.

Advantages

Depending on the level of complementary health cover selected, your plan may include:

  • A private room in a hospital or clinic
  • Reimbursement when specialists charge over state-set fees
  • Alternative therapies
  • Dental cover, including orthodontics and implants
  • Optical cover, including varifocal glasses and contact lenses

No medical questionnaire

No health questions required. This policy is designed to complement the French State Health Insurance system.

No Carte Vitale yet? No problem.

You can take out cover as soon as you receive your French social security number. We also have solutions for people still waiting for their social security number.

No medical questionnaire
Complements the French state health system
Europe's leading insurer

How it works

1

Tell us about you

Share your situation, age and the cover level you want in a 2-minute form.

2

Get a tailored quote

An English-speaking advisor builds a mutuelle plan around your needs and budget.

3

Subscribe online

Sign electronically and receive your attestation the same day.

Frequently asked questions

Get your free health quote

Fill in a few details and an English speaking advisor will create a tailored health quote for you. — No obligation.

  • English-speaking advisors
  • Tiers payant accepted
  • Family & individual plans

Health insurance: get a quote!

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Children and comments

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What our health clients say

Verified Google reviews of our Allianz agency in Ardres.

5.0 · 237 Google reviews
Osmose have done ALL of my insurance — house, car, health and travel — for five years now! Throughout that time they have been unfailingly helpful and friendly. HIGHLY RECOMMENDED.
Piers G. · August 2026
The staff are so helpful and I couldn't recommend this business enough, especially as navigating French rules/policies can be so complicated at the best of times, so to find Allianz with their bilingual staff is absolutely brilliant.
Paula · August 2026
I have been a customer for almost 9 years. I am extremely happy with the service and value for money. As a British immigrant I find it very useful to have an English speaking team that can then interface with the French side of Allianz. It isn't often that there is anything that needs sorting out but when it does it is very reassuring to know that the Osmose team is there to help resolve the matter.
Chris S. · August 2026
Always very responsive and helpful.
Richard V. · July 2026
Excellent English speaking service with pro active suggestions on how to navigate the system. Very good.
P G. · June 2026
For reliable advice, excellent customer service, and peace of mind, especially if French is not your first language, this insurance agency is an outstanding choice. Asha is an asset and has always been available to give assistance and provide advice.
Christine K. · June 2026
News & guides

Related news

Health September 15, 2026

How to understand the health care system in France

PUMA, your social security number, the carte vitale, choosing a médecin traitant, public versus private care — plus a glossary of the French terms you will meet along the way.

Read the guide