Established in 1947, Henner has been a prominent player in the insurance industry, extending its expertise to expatriates since 1981. With a dedicated team of 1,200 employees, Henner manages contracts for 1.5 million insured across 198 countries.
Today, Henner proudly holds the position of being the leading French group in advisory and delegated management of collective insurance schemes for corporate social protection.
Henner specializes in designing and implementing tailor-made schemes covering health, life insurance, and retirement benefits. Its clientele ranges from individuals to large multinational corporations and international organizations. Henner now extends its services to individuals.
| Launch Year | 1981 |
| CFE Approved | Yes |
| Number of Plans Compared | 8 |
| Hospital Direct Billing | Worldwide |
| Management Centers | Paris, Singapour |
| Expat Policy Insurer | AXA, Swisslife |
| Evacuation Assistance | Fil Assistance |
| Applicable Law | French |
ExpatSanté is a 1st euro contract for active individuals, exclusively for French and European expatriates. This contract presents four distinct coverage options. The company emphasizes straightforward and transparent policy structures.
Inspired by corporate social protection models, these insurance plans extend comprehensive supplementary coverage in areas such as death benefits, disability, income protection, and efficient 24/7 assistance services.
| Coeff. | Score | |
| Underwriting process | 10% | 5/10 |
| Waiting periods | 5% | 3/5 |
| Timeliness of reimbursements | 20% | 14/20 |
| Claims management | 10% | 5/10 |
| Rate increase | 20% | 20/20 |
| Contractual and legal security | 20% | 20/20 |
| Exclusions | 10% | 9/10 |
| Contract flexibility | 5% | 3/5 |
| OVERALL SCORE | 79/100 |
Edouard on 02/28/2022
well
Satisfied
Sébastien L on 03/22/2021
As an expatriate in Panama, I have been insured with Henner + CFE for 1 year. The process for reimbursements is simple, I am globally satisfied. Special mention for the International Health and Crystal Mobility teams who remain available even 1 year after the subscription, always reactive. Sébastien
quality services, but expensive
Iseut974 on 02/23/2021
Overall I am satisfied with my insurance. However, I find the premiums expensive. I think that the reimbursement period is reasonable, although I think that we can do better.
Good overall experience
Guillaume on 02/18/2021
The reimbursement system is done by email and scans up to 500 euros, which is very efficient and practical. The reimbursement is made after about 8 days, at a rate that is advantageous for the insured, which I appreciate. In case of surgery, a prior request is necessary. In my case, it was granted within 24 hours, and the hospital had no problems with reimbursement.
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