📅 Published in 2016 — Updated in June 2026
🏥 CFE contributions have increased and many private alternatives now exist.
🏥 The CFE and alternatives in 2026
Who manages: Caisse des French de l’Étranger (cfe.fr), based in Rubelles (Seine-et-Marne).
What it does: French social security coverage abroad + retirement quarters.
What it DOES NOT do: Reimburse at local rate. The CFE reimburses based on French rates (€25 for a general practitioner, even if it costs ฿2,000 in Thailand).
💶 Indicative CFE contributions 2026
- Under 30 years old: 400 – 800 €/year
- 30-39 years old: 1,000 – 1,600 €/year
- 40-49 years: 1,400 – 2,200 €/year
- 50-59 years: 1,800 – 2,800 €/year
- 60-69 years: 2,400 – 3,600 €/year
- 70 years and over: €2,800 – €4,400/year
Vary depending on category (employee, self-employed, retired). Visit cfe.fr for a quote.
🆚 CFE or private insurance? The comparison
- CFE + complementary — €3,000 to €8,000/year. Retirement quarters ✅ | Easy return to France ✅ | Low local reimbursement ❌
- April International (Lyon) — €1,500 to €4,000/year. French Service ✅ | Good Asia network ✅ | Direct hospital payment ✅
- Allianz Care (Dublin) — €2,000 to €5,000/year. Global Network ✅ | Direct payment Bumrungrad ✅
- Cigna Global — €3,000 to €7,000/year. High-end ✅ | Maternity included ✅
- Foyer Global Health (Luxembourg) — €1,200 to €3,000/year. Best value for money Asia ✅
- Luma Health (Bangkok) — €800 to €2,500/year. Local rates ✅ | Designed for TH residents ✅
🏨 Hospitals in Thailand — World Quality
- 🏥 Bumrungrad International (Bangkok, Sukhumvit Soi 3) — 580 beds, JCI accredited, multilingual. Consultation: ~2,000 ฿
- 🏥 Bangkok Hospital — National network, 24-hour emergency
- 🏥 BNH Hospital (Bangkok, Sathorn) — Historical, English
- 🏥 Chiang Mai Ram Hospital — Main private in the North
💰 Costs without insurance (indicative): Consultation 1,500-2,500 ฿ | Specialist ฿2,000-4,000 | Hospitalization ฿5,000-15,000/night | Surgery ฿50,000-2,000,000. 3 to 5 times cheaper than in Europe, but potentially ruinous without insurance in the event of long hospitalization.
📺 The original article
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Benefit from social security protection while being employed or retired abroad.
The simple fact of being of French nationality is already enough to have partial access to the CFE. The CFE is not “a tax” despite this diminutive which is confusing for businesses. The CFE is the fund for French people abroad. It allows you to benefit from the same regime as in France to protect you against illness and the risks covered by it. The CFE has existed since 1978 and has had its own independent board of directors since 1983.
The CFE’s vocation and exclusive missions are to insure expatriates. Most of its directors live and work abroad. They therefore know the constraints and dangers. The CFE covers 3 risks:
- Illness-maternity and disability.
- Work accidents and occupational diseases. (An irreplaceable guarantee in the event of a serious accident.)
- Old age (social security retirement managed by CNAV)
Membership conditions for the CFE and for whom?
It offers any expatriate employee or former employee (retired) who has contributed at least 20 quarters in France to take out insurance. It also offers coverage to students for which a reduced rate exists. Old-age insurance for those responsible for the family which allows in particular the spouses of expatriates, who have had to give up their job, to retain personal rights to a full pension from the CPAM.
The fund for French people abroad offers continuity of rights. You benefit from social security while being an expatriate abroad. Coordination between the CFE and the general regime is complete. The fund for French people abroad therefore ensures without deficiency your rights to reimbursement of care if your membership is made before departure or within 3 months following your departure from France. No loss of quarter for your retirement. If you return to France to resume professional activity, you automatically benefit from the general regime if you send a letter to announce your return.
See the online membership tool here: https://www.cfe.fr/acces-direct/adhesion_en_ligne/index.php
How many fellow citizens are at the French fund abroad for Asia for example?
Almost 60,000 in India, China, Thailand, Vietnam, Cambodia, Myanmar, Malaysia, Indonesia, Japan but also more than 200,000 people around the world.
How much does the CFE cost?
Contributing to the fund for French people abroad costs less than opting for the “detached” status of the general system. For individual members, the contribution is modulated according to professional resources or household income in the event of inactivity. For companies, the health insurance rate is modulated according to the number of expatriate workers.
In short, the solution to not changing your health reimbursement habits is the fund for French people abroad. You are protected while traveling and realizing your dream but you have the chance to no longer suffer from the economic climate of France. I invite you to visit the CFE website using the online membership form whose link I provided above.
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