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International Health Insurance Expats Complementary Covers   International Health Insurance Expats Complementary Covers

Social Security Agreements

This is a list of the international social security agreements that exist between France and other countries:

Algeria3 years (can be extended for 2 years)
Benin1 year (can be extended until the end of the stay)
Cameroon6 months (no extension possible)
Cape Verde3 years (can be extended until the end of stay)
Congo1 year (can be extended until the end of stay)
Côte-d’Ivoire2 years (can be extended until the end of stay)
Gabon1 year (can be extended for 1 year)
Madagascar2 years (no extension possible)
Mali2 years (can be extended for 1 year)
Morocco3 years (can be extended for 3 years)
Mauritania3 years (no extension possible)
Niger1 year (can be extended until the end of stay)
Senegal3 years (can be extended for an unspecified amount of time)
Togo3 years (can be extended until the end of stay)
Tunisia3 years (can be extended for 3 years)

Health Insurance

1. You are French
You can join the CFE on your own or through your employer. The CFE uses French rates as a base for reimbursements. Therefore you may purchase supplementary health insurance, such as:

  • Individual insurance: coverage for expatriates in addition to CFE see our coverage
  • Group insurance coverag for employees: addition to CFE see our coverage for businesses.

The CFE do not include this benefit. In All our products, we include the repatriation and emergency assistance.

2. You are not Frensh
Or you don't want to affiliate to the CFE. You can purchase insurance that covers healthcare from the first Euro. .
  • Individual coverage: Insurance for expatriates with a “1er Euro – AAREF” policy that covers the first euro.
  • Group insurance taken out by the employer,0 Insurance for expatriated employees with a “1er Euro – AAREF Entreprises 1° Euro” policy for businesses that covers from the first euro.

3. You should absolutely purchase emergency assistance. In all our products we include th repariation and the emergency assistance.

Helpful links

Caisse des Français de l’Étranger
BP 100 - 77950 Rubelles - France
Tel. : 01 64 71 70 00
Fax : 01 60 68 95 74

Prepare your trip

A truly expertise in health care insurance

More than 40 years serving expats solutions

GGA has been specialized in insurance for expatriates in Africa for 40 years. We have an extensive expertise and knowledge of what expatriates living in Africa are expecting.


Customized solutions

We propose solutions to your needs

We propose customized solutions according to your needs, local health conditions and your nationality. We know that an Indian or Lebanese, a South African or French do not expect the same services. But all are seeking excellence when hospitationsation or medical evacuation.

Individuals  Businesses

Very competetive rates

Good value for your money

Our benefits are designed to offer the best coverage at the best price. Over the years we have changed our products and try to be as closer as possible to your needs.

Individuals  Businesses  About-us

Excellent benefits

Our products are designed to bring you the best benefits

Our guarantees in medical care, drugs, laboratory tests, dental, optical are designed to offer the best coverage. We deliver direct payment in case of hospitalization in Africa, Europe, Lebanon and France. Don't forget to ask for prior approval of our insurer's medical adviser.

Individuals  Businesses

Market leaders partners

Internationally recognized actors

We have partnerships with leading Insurance companies such as Allianz, AXA, GBG and with highly specialized evacuation corporations like Mondial Assistance, AXA Assistance or IMA.

Partners  About-us

International Medical Network

International Medical Network

The GGA provides its inssured clients access to the care network in Africa, Europe, Asia and Middle East.

Our network includes:

  • Clinical and hospitals have negotiated with the GGA of third-party payment agreements (direct payment to health care facilities). This prevents any insured no cash advance. This is the case in France and in many African countries.
  • Use care networks have negotiated the tariff agreements with the best hospitals and clinics
  • Hospitals and clinics who after reception of our validation letter, support our policyholders.

We have developed care networks in some areas that seem very important:
  • In Africa, we have agreements with:
    1. Senegal, Benin, Burkina Faso, Ivory Coast, Mali, Niger, Togo, Ghana, Gongo, the Democratic Republic of Congo
    2. Morocco and Tunisia
    3. South Africa
  • In the Middle East, our network is centered on Lebanon (See Network)
  • In Asia, we focus particularly India and Pakistant.
  • In Europe, we can deliver absorptions across Europe, and of course we practice paying agent throughout the French territory in the event of hospitalization.

  • Medical Repatriation warranty, Assistance, Emergency Evacuation being systematically included in our products, we protect you in your professional and / or private travels in the whole world, 24h / 24, 7 days / 7.

    GGA network  About-us

Professionnel team

An expert team at your disposal to help you

A professional team is at your service to understand your needs and propose the best solutions. Don't hesitate to contact us. Out assistance service is at your disposal 24 / 7

Partners  About-us