Basic Health Top- up policy 

French public health insurance may be universal and cover almost all types of medical treatment, but it only does so at a certain percentage of the cost.

Any time you visit a doctor, dentist, or other professional, you’ll be reimbursed for a set amount and left with 10-40% to pay out of pocket. TOP-UP  policies covers the remaining costs that public healthcare does not.

Upgrading for a better and full level of cover

Many medical professionals and specialists from the private sector charge more than the official rates set by the public sector. Sometimes, a lot more: it can run up to 300%-400% of the regular costs.

  • This is called “dépassements d’honoraires” (excess fees), and it is an essential factor to consider

TOP-UP insurance companies will show in their offers and provisions how much of these excess fees they will reimburse.