If you need to watch your budget, you’ll want minimum coverage – making a plan that covers only hospitalization/in-patient care the best bet. It will save you in worst-case scenarios, at a low cost.
This plan will cover all types of hospitalizations - emergency or a planned.
Many people believe that they will only be hospitalized in the case of an accident or an emergency, but over 80% of hospitalizations are planned in advance. This is the difference between temporary contracts and expatriate insurance. Temporary contracts will cover only emergencies, while expatriate insurance will cover all types of care. If you settle down for more than a year, an expatriate hospitalization plan will be a better choice than a temporary plan.
Hospitalization/in-patient coverage - your basic necessities:
- This type of health insurance is required in many countries, if you want access to a hospital with international standards.
- Depending on the country, in-patient costs in these hospitals are 1.5 to 5 times higher than in France, according to the CFE statistics. Bills often exceed €30.000, and can reach more than €100.000 for ten days of hospitalization.
What is covered:
- Surgical hospitalization : appendectomy, reduction of a large fracture, removal of a cancerous tumor, etc.
- Medical hospitalization: hospitalization related to dengue fever, head trauma, dehydration, COVID, etc.
- Day hospitalization: chemotherapy, radiation, dialysis, etc.
What is not covered:
- Out-patient expenses are excluded. The hospital itself does not determine the hospitalization. You may have to consult a specialist or get a scan at the hospital, but it does not mean that you are hospitalized. Hospitalization means that you are admitted to a hospital bed for at least 1 night or for surgery.
- Emergency care is not in-patient but out-patient care, and will not be covered by the hospitalization plan. For example, it doesn't count as hospitalization if you leave the emergency room without being admitted to one of the hospital departments (general medicine, orthopedics, pediatrics, etc.).
This is not the type of plan a French person would usually choose, because we are used to being fully taken care of without paying too much. We usually look for comprehensive plans, ignoring the prices and the simplest plans. In most countries, in-patient coverage is the minimum you’ll need to keep you safe.
You wouldn't drive without car or motorbike insurance, right? You shouldn't live abroad without your hospitalization coverage.
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