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Insurance · Broker

Henner: French health insurance broker-administrator for expatriates, first-euro cover or as a top-up to the CFE

French brokerage and administration company, registered with ORIAS, which designs, distributes and administers Henner Expat Santé, a group contract underwritten by AXA France Vie according to the 2021 policy document. Four plans, first-euro cover or as a top-up to the CFE; residence in the United States is not accepted.

Official website of Henner

Please note

This comparison is an informative summary. Check the actual cover, exclusions and acceptance conditions in the policy documents and with the provider concerned. Terms of use and disclaimers

Characteristics

Type
Broker
Type
Administrator
Risk carrier
AXA France Vie (notice d’information Henner Expat Santé du 1er juin 2021) ; assureur non nommé dans les brochures de mai 2023
Use
Long-term expat health · CFE top-up
French scheme
Yes
CFE top-up
Yes
Medical questionnaire
Yes
Covers
Health · Hospital · Maternity · Dental and optical · Disability · Repatriation · Assistance
Settlement
Both
Regulator
ACPR
Currencies
EUR
Home country
France

European expatriates. Enrolment is not possible for residence in the United States, the United Arab Emirates, Venezuela, Russia and countries under international sanctions (May 2023 brochure). According to the June 2021 policy document, temporary stays in countries excluded from the worldwide zone and returns to France remain covered up to a time limit.

Contracts and plans

Each plan is described from its contract documents. Compare plans in the same category: travel insurance does not replace expat health cover.

  • Henner Expat Santé – Complément CFE

    CFE top-up · Brochure commerciale non contractuelle de mai 2023 ; notice d’information du 1er juin 2021

    Risk carrier
    AXA France Vie (notice de juin 2021) ; non nommé dans la brochure de mai 2023
    Distributor / administrator
    Henner (conception, distribution et gestion) ; contrat collectif souscrit par l’association La GMC
    United States
    Limited
    Home country
    Partly
    Renewal
    Not verified
    Link with the CFE
    On top of the CFE
    Direct billing
    Partly
    • Hospital : Yes
    • Outpatient care : Yes
    • Maternity : Yes
    • Dental : Yes
    • Optical : Yes
    • Mental health : Partly
    • Evacuation and repatriation : Yes

    Who for : European nationals living outside their home country, between a minimum age and a maximum age at enrolment (higher for employees and self-employed workers), subject to medical underwriting. Enrolment is not possible for residence in the United States, the United Arab Emirates, Venezuela, Russia and countries under international sanctions. Beneficiaries are members of the CFE; an option provides first-euro cover for accidents and unforeseen illnesses during the CFE's waiting period.

    Pre-existing conditions : Medical underwriting at enrolment: questionnaire validated by Henner's medical department. The policy document we read contains no clearly readable general clause on conditions existing before enrolment as regards health expenses; how they are treated (exclusion, surcharge, acceptance) has not been established.

    Limits : Four plans with an overall annual ceiling per person; waiting periods for hospitalisation and medical expenses, optical, dental and prostheses, and maternity; enrolment for a minimum term, then tacit annual renewal; first-euro Accident option capped during the CFE waiting period. The United States is excluded as a country of residence, with cover for temporary stays according to the June 2021 policy document.

    • more than 18 years Henner Expat Santé: minimum age at enrolment (health cover)Condition common to the CFE top-up and first-euro versions; non-contractual sales brochure dated May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • less than 69 years Henner Expat Santé: maximum age at enrolment for health cover (must be under)General rule; a higher age limit applies to employees and self-employed workers. Non-contractual brochure dated May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • less than 70 years Henner Expat Santé: maximum age at enrolment for employees and self-employed workers (must be under)Employees and self-employed workers only; non-contractual brochure from May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • up to 75 years Henner Expat Santé: age up to which membership can be maintained on proof of professional activityContinued membership is subject to proof of professional activity; the brochure does not specify the end age for other members.particuliers.henner.com · Verified on Nov 2, 2026
    • up to €500,000 Henner Expat Santé, plan 1: overall ceiling on health benefits per person and per membership yearPlan 1 of four; same benefit schedule in the CFE top-up and first-euro versions. Non-contractual brochure, May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • up to €800,000 Henner Expat Santé, plan 2: overall ceiling on health benefits per person and per membership yearPlan 2 of four; same schedule in the CFE top-up and first-euro versions. Non-contractual brochure dated May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • up to €1,000,000 Henner Expat Santé, plan 3: overall ceiling on health benefits per person and per membership yearPlan 3 of four; same schedule in the CFE top-up and first-euro versions. Non-contractual brochure dated May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • up to €1,500,000 Henner Expat Santé, plan 4: overall ceiling on health benefits per person and per membership yearPlan 4 of four; same scale in the CFE top-up and first-euro versions. Non-contractual brochure, May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • 10 months Henner Expat Santé: waiting period for maternity coverWaiting period counted from the date of enrolment; non-contractual brochure from May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • 6 months Henner Expat Santé: waiting period for optical, dental and prosthetics coverWaiting period counted from the date of enrolment; non-contractual brochure of May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • 3 months Henner Expat Santé: waiting period for hospitalisation and medical expensesWaiting period counted from the date of enrolment; non-contractual brochure dated May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • from 12 months Henner Expat Santé: minimum membership periodMembership is then tacitly renewed each year on its anniversary date, until the insured person terminates it.particuliers.henner.com · Verified on Nov 2, 2026
    • less than 90 days Henner Expat Santé: duration of temporary stays covered in countries excluded from the worldwide zone (United Arab Emirates, United States)June 2021 policy notice: Zone A notably excludes the United Arab Emirates and the United States, but cover remains in force during consecutive temporary stays shorter than this duration. To be confirmed against the edition currently in force.particuliers.henner.com · Verified on Nov 2, 2026
    • less than 90 days Henner Expat Santé: duration of covered trips back to FranceJune 2021 policy document: cover applies in the chosen pricing zone and in France during consecutive trips back that are shorter than this duration.particuliers.henner.com · Verified on Nov 2, 2026
    • up to €100,000 Henner Expat Santé – CFE Supplement: overall ceiling of the first-euro Accident optionOption of the CFE supplement version, which covers accidents and unforeseen illnesses from the first euro, on the basis of formula 1, during the waiting period applied by the CFE.particuliers.henner.com · Verified on Nov 2, 2026

    Contract documents · particuliers.henner.com

  • Henner Expat Santé – Solution 1er euro

    Long-term expat health · Brochure commerciale non contractuelle de mai 2023 ; notice d’information du 1er juin 2021

    Risk carrier
    AXA France Vie (notice de juin 2021) ; non nommé dans la brochure de mai 2023
    Distributor / administrator
    Henner (conception, distribution et gestion) ; contrat collectif souscrit par l’association La GMC
    United States
    Limited
    Home country
    Partly
    Renewal
    Not verified
    Link with the CFE
    First-euro cover
    Direct billing
    Partly
    • Hospital : Yes
    • Outpatient care : Yes
    • Maternity : Yes
    • Dental : Yes
    • Optical : Yes
    • Mental health : Partly
    • Evacuation and repatriation : Yes

    Who for : European nationals living outside their home country, between a minimum age and a maximum age at enrolment (higher for employees and self-employed workers), subject to medical underwriting. Enrolment is not possible for residence in the United States, the United Arab Emirates, Venezuela, Russia and countries under international sanctions. No CFE membership is required.

    Pre-existing conditions : Medical underwriting at enrolment: questionnaire validated by Henner's medical department. The policy document we read contains no clearly readable general clause on conditions existing before enrolment as regards health expenses; how they are treated (exclusion, surcharge, acceptance) has not been established.

    Limits : Same four plans and overall annual ceilings, same waiting periods and same minimum enrolment term as the CFE top-up version; faster reimbursement is advertised for this version.

    • more than 18 years Henner Expat Santé: minimum age at enrolment (health cover)Condition common to the CFE top-up and first-euro versions; non-contractual sales brochure dated May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • less than 69 years Henner Expat Santé: maximum age at enrolment for health cover (must be under)General rule; a higher age limit applies to employees and self-employed workers. Non-contractual brochure dated May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • less than 70 years Henner Expat Santé: maximum age at enrolment for employees and self-employed workers (must be under)Employees and self-employed workers only; non-contractual brochure from May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • up to 75 years Henner Expat Santé: age up to which membership can be maintained on proof of professional activityContinued membership is subject to proof of professional activity; the brochure does not specify the end age for other members.particuliers.henner.com · Verified on Nov 2, 2026
    • up to €500,000 Henner Expat Santé, plan 1: overall ceiling on health benefits per person and per membership yearPlan 1 of four; same benefit schedule in the CFE top-up and first-euro versions. Non-contractual brochure, May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • up to €800,000 Henner Expat Santé, plan 2: overall ceiling on health benefits per person and per membership yearPlan 2 of four; same schedule in the CFE top-up and first-euro versions. Non-contractual brochure dated May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • up to €1,000,000 Henner Expat Santé, plan 3: overall ceiling on health benefits per person and per membership yearPlan 3 of four; same schedule in the CFE top-up and first-euro versions. Non-contractual brochure dated May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • up to €1,500,000 Henner Expat Santé, plan 4: overall ceiling on health benefits per person and per membership yearPlan 4 of four; same scale in the CFE top-up and first-euro versions. Non-contractual brochure, May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • 10 months Henner Expat Santé: waiting period for maternity coverWaiting period counted from the date of enrolment; non-contractual brochure from May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • 6 months Henner Expat Santé: waiting period for optical, dental and prosthetics coverWaiting period counted from the date of enrolment; non-contractual brochure of May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • 3 months Henner Expat Santé: waiting period for hospitalisation and medical expensesWaiting period counted from the date of enrolment; non-contractual brochure dated May 2023.particuliers.henner.com · Verified on Nov 2, 2026
    • from 12 months Henner Expat Santé: minimum membership periodMembership is then tacitly renewed each year on its anniversary date, until the insured person terminates it.particuliers.henner.com · Verified on Nov 2, 2026
    • less than 90 days Henner Expat Santé: duration of temporary stays covered in countries excluded from the worldwide zone (United Arab Emirates, United States)June 2021 policy notice: Zone A notably excludes the United Arab Emirates and the United States, but cover remains in force during consecutive temporary stays shorter than this duration. To be confirmed against the edition currently in force.particuliers.henner.com · Verified on Nov 2, 2026
    • less than 90 days Henner Expat Santé: duration of covered trips back to FranceJune 2021 policy document: cover applies in the chosen pricing zone and in France during consecutive trips back that are shorter than this duration.particuliers.henner.com · Verified on Nov 2, 2026

    Contract documents · particuliers.henner.com

Published figures

  • Premium, fromOn quote
  • Henner Expat Santé – CFE Supplement: overall ceiling of the first-euro Accident optionup to €100,000particuliers.henner.com · Verified on Nov 2, 2026
  • Henner Expat Santé, plan 4: overall ceiling on health benefits per person and per membership yearup to €1,500,000particuliers.henner.com · Verified on Nov 2, 2026
  • Henner Expat Santé, plan 3: overall ceiling on health benefits per person and per membership yearup to €1,000,000particuliers.henner.com · Verified on Nov 2, 2026
  • Henner Expat Santé, plan 2: overall ceiling on health benefits per person and per membership yearup to €800,000particuliers.henner.com · Verified on Nov 2, 2026
  • Henner Expat Santé, plan 1: overall ceiling on health benefits per person and per membership yearup to €500,000particuliers.henner.com · Verified on Nov 2, 2026
  • DeductibleNot provided
  • Henner Expat Santé: waiting period for hospitalisation and medical expenses3 monthsparticuliers.henner.com · Verified on Nov 2, 2026
  • Henner Expat Santé: waiting period for optical, dental and prosthetics cover6 monthsparticuliers.henner.com · Verified on Nov 2, 2026
  • Henner Expat Santé: waiting period for maternity cover10 monthsparticuliers.henner.com · Verified on Nov 2, 2026
  • Henner Expat Santé: age up to which membership can be maintained on proof of professional activityup to 75 yearsparticuliers.henner.com · Verified on Nov 2, 2026
  • Henner Expat Santé: maximum age at enrolment for employees and self-employed workers (must be under)less than 70 yearsparticuliers.henner.com · Verified on Nov 2, 2026
  • Henner Expat Santé: maximum age at enrolment for health cover (must be under)less than 69 yearsparticuliers.henner.com · Verified on Nov 2, 2026
  • Henner Expat Santé: minimum age at enrolment (health cover)more than 18 yearsparticuliers.henner.com · Verified on Nov 2, 2026

Who bears the risk

Henner is a French simplified joint-stock company (SAS) acting as an insurance broker and administrator, registered with ORIAS under number 07.002.039 and supervised by the ACPR. For Henner Expat Santé, it does not bear the risk: it designs the offer, distributes it and administers it (enrolments, reimbursements, hospital direct billing).

The contract is a group contract taken out by La GMC (La Garantie Médicale et Chirurgicale), a non-profit association under the 1901 law owned by Henner, with AXA France Vie, a French public limited company supervised by the ACPR, according to the information document dated 1 June 2021. Assistance is entrusted to a specialist provider: the 2021 policy document names Filassistance, while the 2023 brochure refers to IMA.

The May 2023 brochures do not name the insurer: we were unable to verify that AXA France Vie still bears the risk under the current edition. The ORIAS number is the one given in the provider's documents; it has not been checked directly against the register.

Plans and cover

Henner Expat Santé comes in two versions: a top-up to the CFE, and a "Solution 1er euro" that requires no membership of the fund. Each comes in four plans, whose overall ceiling for health benefits per person and per year of enrolment is up to €500,0005, up to €800,0004, up to €1,000,0003 or up to €1,500,0002. Premiums depend on a pricing zone (four zones according to the level of medical costs).

The CFE top-up version offers a first-euro Accident option, capped at up to €100,0001, which covers accidents and unforeseen illnesses during the waiting period that the CFE applies to late enrolments. Protection cover (incapacity, disability, death, funeral expenses) can supplement health cover.

Health enrolment is open from more than 18 years12 to under less than 69 years11 (under less than 70 years10 for employees and self-employed workers), subject to medical underwriting. It can be kept until up to 75 years9 on proof of professional activity.

Enrolment is taken out for at least figure being updated, then tacitly renewed each year. Henner advertises third-party payment for certain treatments and direct settlement of hospital stays, with the hospital billing Henner.

Deductibles, waiting periods and exclusions

Waiting periods run from enrolment: 3 months6 for hospitalisation and medical expenses, 6 months7 for optical, dental and prostheses, 10 months8 for maternity. Psychiatric stays are limited in duration over the life of the contract, according to the 2021 policy document.

The United States, the United Arab Emirates, Venezuela, Russia and countries under sanctions cannot be chosen as a country of residence. According to the 2021 policy document, cover remains in force during temporary stays of less than figure being updated consecutive in countries excluded from the worldwide zone, and in France during returns of less than figure being updated consecutive.

The treatment of conditions existing before enrolment (exclusion, surcharge or acceptance after a questionnaire) is not readable in the policy document consulted. The full definition of the zones, the detailed table of benefits of the current edition and the age at which enrolment ends for members without professional activity have not been established.

Who it suits, and who it does not

Henner Expat Santé is aimed at a European national settled outside their home country who wishes either to top up the CFE or to be covered from the first euro through a French administrator. It is not suitable for a move to the United States or the United Arab Emirates, nor for a first enrolment beyond the maximum age.

Price and points to check

Price on quotation: the premium depends on the version (CFE top-up or first euro), the plan, the pricing zone, age and family composition. The brochure publishes entry-level premiums by zone without specifying all the assumptions: we do not reproduce them.

Sources and verification dates

  1. 1.

    Henner Expat Santé – CFE Supplement: overall ceiling of the first-euro Accident option : €100,000

    « Cette garantie vous couvre sur la base de la Formule 1 avec un plafond global de 100 000 € »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  2. 2.

    Henner Expat Santé, plan 4: overall ceiling on health benefits per person and per membership year : €1,500,000

    « Plafond global des prestations santé par personne et par année d’adhésion 500 000 € 800 000 € 1 000 000 € 1 500 000 € »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  3. 3.

    Henner Expat Santé, plan 3: overall ceiling on health benefits per person and per membership year : €1,000,000

    « Plafond global des prestations santé par personne et par année d’adhésion 500 000 € 800 000 € 1 000 000 € 1 500 000 € »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  4. 4.

    Henner Expat Santé, plan 2: overall ceiling on health benefits per person and per membership year : €800,000

    « Plafond global des prestations santé par personne et par année d’adhésion 500 000 € 800 000 € 1 000 000 € 1 500 000 € »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  5. 5.

    Henner Expat Santé, plan 1: overall ceiling on health benefits per person and per membership year : €500,000

    « Plafond global des prestations santé par personne et par année d’adhésion 500 000 € 800 000 € 1 000 000 € 1 500 000 € »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  6. 6.

    Henner Expat Santé: waiting period for hospitalisation and medical expenses : 3 months

    « 3 mois : pour les frais d’hospitalisation et frais médicaux »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  7. 7.

    Henner Expat Santé: waiting period for optical, dental and prosthetics cover : 6 months

    « 6 mois : pour les frais optiques, les actes dentaires et les prothèses médicales »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  8. 8.

    Henner Expat Santé: waiting period for maternity cover : 10 months

    « 10 mois : pour les frais liés à la maternité »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  9. 9.

    Henner Expat Santé: age up to which membership can be maintained on proof of professional activity : 75 years

    « Elle peut être conservée jusqu’aux 75 ans sur justification d’une activité professionnelle. »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  10. 10.

    Henner Expat Santé: maximum age at enrolment for employees and self-employed workers (must be under) : 70 years

    « (et de moins de 70 ans pour les salariés et TNS) »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  11. 11.

    Henner Expat Santé: maximum age at enrolment for health cover (must be under) : 69 years

    « Âgé, pour la garantie santé, de plus de 18 ans et de moins de 69 ans à l’adhésion »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source

  12. 12.

    Henner Expat Santé: minimum age at enrolment (health cover) : 18 years

    « Âgé, pour la garantie santé, de plus de 18 ans et de moins de 69 ans à l’adhésion »

    Henner (SAS de gestion et de courtage d’assurances), « Henner Expat Santé – Complément CFE et Solution 1er euro (brochures, 05/2023) »Verified on Nov 2, 2026Verified source