Caisse des Français de l'Étranger

What Caisse des Français de l'Étranger does

Caisse des Français de l'Étranger (CFE) is a French public social security institution (Sécurité sociale des Expatriés), established around 1984, that provides voluntary health, retirement, and professional-risk insurance to French nationals living abroad. It is governed by a 21-member Board of Directors elected by the Assembly of French Citizens Abroad and operates from Paris under public law, with Isabelle FREJ serving as Board President since April 2022. The organization functions as the statutory extension of French social security outside metropolitan France, covering expatriates worldwide with a portfolio of five core health plans (MondExpat for 30+, JeunExpat for under-30s, RetraitExpat for retirees, FrancExpat for France-only stays, and EmiratExpat for UAE residents), plus retirement insurance (Assurance Retraite) and professional-risk insurance (Assurance Risques Professionnels), with optional add-ons providing daily allowances, invalidity and death benefits.

CFE's distribution combines direct-to-consumer digital channels (the cfe.fr website, Mon Espace Perso portal and the 'CFE et moi' mobile app for claims submission) with enterprise enrollment via dedicated email and a network of in-country local representatives (référents locaux) in the US, Hong Kong, China, Singapore, Indonesia, UK and UAE. The institution co-distributes with major supplemental insurers including Malakoff Humanis, Henner, MSH International, APRIL International Care, and VYV International Assistance, offering bundled 'pack' products with single-enrollment, single-contract and unified-reimbursement mechanics. CFE maintains 320 country practical guides covering vaccinations, infectious disease risk, healthcare infrastructure and French-speaking doctors, and runs an annual social action program funded by a 0.4%–0.3% levy on contributions.

The commercial model is subscription-based recurring contributions. Individual pricing starts at €46/month (FrancExpat), €57/month (JeunExpat), €87/month (MondExpat), €147/month (RetraitExpat) and €196/month (EmiratExpat). Enterprise pricing starts at €98–€101/month per employee for health, €358/month per employee for retirement, and €20/month per employee for professional risks, with the annual premium base bounded between €21,328 and €170,624. Contributions vary by age, country of residence, family status and salary, with no health questionnaire required and coverage that cannot be withdrawn once enrolled. CFE is not a for-profit enterprise; it is a public institution without disclosed revenue, headcount sits at 51–100 employees, and revenue mechanics are governed by French social security legislation rather than market pricing.

Name

Caisse des Français de l'Étranger

Legal name

Caisse des Français de l'Étranger

Website

https://cfe.fr

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

51–100 employees

Short description

Caisse des Français de l'Étranger is a French public social security institution that provides health, retirement, and professional-risk insurance to French nationals living abroad across roughly 320 countries. It serves both individual expatriates and French companies with expatriate employees through direct digital channels, local in-country representatives, and bundled partner products.

Ownership category

akta.pro rank

Product category

Expatriate Social Security and Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Hospital & Medical Service Plans (6324), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF), Accident Medical Expense Insurance (Supplemental Accident) (FSAIALAE), Liability, Accident & Program Insurance (Institution/Provider Coverage) (EDAIAMAJ)

Keywords

• Expatriate health insurance
• French social security
• Retirement insurance abroad
• Professional risk insurance
• International health coverage

Headquarters

HQ city

Rubelles

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others, Infrastructure

Revenue model

1. Individual membership contributions (Cotisations individuelles): French expatriates and retirees pay monthly contributions to maintain their CFE health, retirement, and professional risk coverage. Contributions are calculated based on age, country of residence, and salary level. For retirement insurance, salary brackets are: greater than €48,060/year, between €24,030 and €48,060/year, or less than €24,030/year. The billing is monthly or annual.
2. Corporate employer contributions (Cotisations entreprise): French companies with expatriate employees subscribe to CFE health, retirement, and professional risk plans on behalf of their staff. Employer contributions are typically lower than the French general regime, with no variation based on the number of dependents, and include reductions for young expatriates. Costs are shared between employer and employee.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

Caisse des Français de l'Étranger (CFE) is a French public social security institution (Sécurité sociale des Expatriés) that provides voluntary health, retirement, and professional risk insurance to French citizens living abroad. Its core offerings include five health insurance plans segmented by age and country (MondExpat, JeunExpat, RetraitExpat, FrancExpat, EmiratExpat), a French retirement insurance enabling continued pension contributions, and a professional risk insurance covering work-related accidents and occupational illnesses. Insurance is sold on a recurring monthly subscription basis to individuals and to enterprises with expatriate employees, with no health questionnaire required and guaranteed continuity of French social-protection rights upon return to France.

Product overview

Caisse des Français de l'Étranger (CFE) is a French social security institution for expatriates offering a comprehensive portfolio of voluntary insurance products. The core offerings consist of five health insurance plans: MondExpat Santé for expatriates over 30, JeunExpat Santé for those under 30, RetraitExpat Santé for retired expatriates, FrancExpat Santé for France-only coverage, and EmiratExpat Santé for UAE residents. These are complemented by retirement insurance (Assurance Retraite) and professional risk insurance (Assurance Risques Professionnels). Optional add-ons include the Pack 3 en 1 (daily allowances, disability, death capital) and Pack 2 en 1 for employees. CFE also partners with Malakoff Humanis and Henner to offer integrated supplementary insurance packages. Digital services include the CFE et moi mobile app and Mon Espace Perso online portal. The organization serves both individual expatriates and companies, with enrollment available without health questionnaires.

Differentiator

Problem solved

Functional benefit

Brands

• JeunExpat: Health insurance for young expatriates under 30 years old, covering all medical expenses worldwide including France
• MondExpat
• RetraitExpat
• FrancExpat
• EmiratExpat

Products and services

• MondExpat Santé Health insurance for French expatriates aged 30 and older and their dependents that covers all medical expenses worldwide, including stays in France under 3 months. Starting from €87/month per subscriber.
• JeunExpat Santé Health insurance for French expatriates under 30 years old and their dependents, covering all medical expenses worldwide, including stays in France. Starting from €57/month.
• RetraitExpat Santé Health insurance for retired French expatriates and their minor dependents, covering medical expenses incurred abroad. Starting from €147/month.
• FrancExpat Santé Health insurance for expatriates with existing local coverage who need reimbursement for healthcare expenses in France during stays under 3 months. Starting from €46/month.
• EmiratExpat Santé Health insurance for French expatriates residing in the United Arab Emirates, providing coverage up to 100% of actual costs in compliance with UAE local legislation. Starting from €196/month; distributed via Assurance Santé Monde.
• Assurance Retraite (Retirement Insurance) Retirement insurance allowing French expatriates to continue contributing to the French social security retirement system, preserving pension rights accumulated in France. Enterprise pricing starts from €358/month; individual from €351/month.
• Assurance Risques Professionnels (Professional Risk Insurance) Professional risk insurance covering work-related accidents and occupational illnesses, providing medical expense reimbursement, daily allowances, and disability or death benefits. Enterprise pricing starts from €20/month (annual premium base €21,328–€170,624).
• Pack 3 en 1 (Daily Allowances – Disability – Death Capital) Optional add-on for salaried individual members providing daily allowances during work stoppage or maternity leave, disability pension, and death benefit capital for dependents. From €13/month for JeunExpat members.
• Pack 2 en 1 (Enterprise Daily Allowances, Maternity, Paternity, Death) Enterprise add-on option combining daily allowances for maternity leave (up to 6 weeks before and 10 weeks after birth), work stoppage (from day 31, up to 120 days/year), paternity leave, and death benefit capital for dependents.
• Expat'CFE (Malakoff Humanis Pack) Comprehensive protection package combining CFE base coverage with Malakoff Humanis complementary health insurance, providing a single point of contact and unified management for French expatriates; available in 5 health formulas.
• Henner Expat Santé Partner health insurance product offered through Henner for CFE members seeking comprehensive expatriate coverage, with shared management procedures and harmonized reimbursement.
• Expat'CFE Student (Malakoff Humanis) Student and PVT (Working Holiday Visa) package combining CFE and Malakoff Humanis coverage for French expatriates under 30.
• Pack Expat'CFE Senior (Malakoff Humanis) Tailored package for retired French expatriates combining CFE base coverage and Malakoff Humanis complementary health insurance.

Quantifiable outcome

• CFE covers all French expatriates without health questionnaire, regardless of age or country of residence
• +3 more outcomes

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered minor, flagship and core.

• AFM-TéléthonminorGTM or Marketing Partner · 7 November 2024CFE participates in the annual AFM-Téléthon charitable event, demonstrating its social mission and community solidarity with the French expatriate population.
• Malakoff HumanisflagshipChannel Partner/ Reseller/ DistributorCFE and Malakoff Humanis offer the Expat'CFE pack — a bundled health product combining CFE base coverage with Malakoff Humanis supplemental insurance. Available in 5 health formulas for individuals, as well as specialized packs for students (Expat'CFE Student) and retirees (Expat'CFE Senior). Features single enrollment, single contract, single reimbursement.
• HennercoreChannel Partner/ Reseller/ DistributorHenner offers Henner Expat Santé and Expat Duo (for young students and PVT holders) as supplemental packages to CFE base coverage. Products are distributed with shared management procedures.
• MSH INTERNATIONALcoreChannel Partner/ Reseller/ DistributorMSH INTERNATIONAL provides supplemental health insurance management for CFE policyholders, with harmonized procedures enabling unified reimbursement.
• APRIL INTERNATIONAL CAREcoreChannel Partner/ Reseller/ DistributorAPRIL International Care offers supplemental health coverage to CFE members with verified management procedures, enabling coordinated reimbursement.
• ABE: Assurance Santé MondecoreChannel Partner/ Reseller/ DistributorAssurance Santé Monde manages the EmiratExpat product for CFE, providing up to 100% reimbursement of actual costs in the UAE and France, with no waiting period upon enrollment.
• VYV International AssistancecoreStrategic or Co-development PartnerVYV International Assistance provides medical assistance services to CFE policyholders worldwide, enabling medical repatriation and support services for expatriates.
• FemmExpatcoreGTM or Marketing PartnerCFE partners with FemmExpat to produce podcasts and an interactive digital guide for female expatriates, providing content on topics like breaking isolation, finding work abroad, and navigating healthcare.
• SantexpatminorChannel Partner/ Reseller/ DistributorSantexpat (Jean-Christophe Pandolfi in the US, Raphael Le Bars in the UK) serves as a local representative for CFE, guiding expatriates in those countries through CFE enrollment and supplemental health insurance selection.
• Alea CareminorChannel Partner/ Reseller/ DistributorJulien Mathieu (Alea Care) serves as the local CFE representative for Hong Kong, China, and Singapore, assisting French expatriates with enrollment and supplemental coverage choices.
• Courtage LandminorChannel Partner/ Reseller/ DistributorSofiane Ounnous (Courtage Land) serves as the local CFE representative for expatriates in the United Arab Emirates.
• Additional Supplemental Insurance PartnersminorChannel Partner/ Reseller/ DistributorCFE maintains verified management agreements with several additional supplemental insurers: Allianz Worldwide Care, ASSUR TRAVEL, Banque Transatlantique, BURDIGALA, WTW, Mercer France, MGEN SEM, MONDASSUR, THE FRENCH ASSURANCE, and WELLAWAY USA. These partners offer complementary health coverage to CFE members with harmonized reimbursement procedures.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Henner: French-headquartered international health insurer specializing in expatriate and mobility coverage. Closest supplemental partner of CFE and a direct competitor for the same expatriate wallet, offering standalone products (Henner Expat Santé, Expat Duo) that can be purchased independently of CFE.
• MSH International: International health insurance and assistance provider for expatriates, employees, and students. CFE partner for supplemental coverage and a direct competitor in the French-diaspora expat insurance market, with overlapping distribution and product structure.
• APRIL International Care: International health insurance provider for expatriates and globally mobile individuals with strong French heritage. Direct competitor for supplemental coverage on top of CFE, with comparable product positioning for French expats and similar partner-based distribution.

Broad incumbents

• Generali Global Health: International health insurance arm of Generali serving expatriate and corporate mobility clients. Direct competitor for French enterprise expat deployments and individual French expatriates, with comparable product suites and global servicing.
• AXA Global Healthcare: International private medical insurer under AXA serving individual expatriates and corporate clients. Competes with CFE for premium expatriate segments (especially in the US, UK, Asia) where CFE's French-rate reimbursement is insufficient.
• Malakoff Humanis: Major French social protection group offering health, retirement, and supplemental insurance. Flagship CFE partner (Expat'CFE pack) but also a broad incumbent with the scale to compete independently for expatriate and large-employer segments in France.
• Bupa Global: International health insurance provider covering expatriates and globally mobile individuals across multiple geographies. Competes for the same French expatriate customer seeking comprehensive global coverage, with stronger brand in non-Francophone markets.
• Allianz Worldwide Care: Global health insurer serving expatriate and international corporate clients. Listed as a CFE supplemental partner while also competing directly for multinational expat assignments through its own product suite, with broader geographic reach and product breadth than CFE.
• Cigna Global Health: Global health insurer with extensive expatriate and international corporate coverage. Competes with CFE for French enterprises sending employees abroad and for individual expats seeking globally portable health coverage outside the French social security framework.

Regional players

• Santexpat: Expat insurance broker operating as CFE's local référent in the US and UK. Comparable to CFE's distribution model for French expatriates in those geographies and a regional competitor/broker for supplemental-only products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Caisse-des-Fran%C3%A7ais-de-lEtranger-CFE-146137088778333
• LinkedInlinkedin.com/company/caissedesfrancaisdeletranger/?viewAsMember=true
• Xx.com/cfe_com

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Caisse des Français de l'Étranger