Rubelles +

Top-up insurance for expatriates with CFE or French Social Security cover

Are you an expatriate or planning a move abroad? Take a look at our comprehensive insurance solution with fully flexible benefits and a range of associated services!

Please note that the application form for this product is only available in French

Who is this policy designed for ?

Expatriates with CFE or French Social Security cover spending more than a year abroad

Key features

  • Shared claims management centre with the CFE: a single address for all your correspondence, faster processing of your claims and combined payment of your benefits
  • Electronic transfer links to Social Security centres in France: your statements are sent directly to us by your Social Security centre
  • Direct payment of hospital charges worldwide (for CFE members)
  • Private room covered up to €200/day
  • Life-time cover: you are covered for as long as you want


Benefits available:
  • Medical expenses cover up to €2,000,000 as a top-up to Social Security or the CFE with:
Essentielle for basic coverHospitalisation only
Medium for intermediate coverHospitalisation + Routine healthcare
Extenso for generous coverHospitalisation + Routine healthcare + Optical-Dental
3 PERCENTAGES OF REIMBURSEMENT : 100%, 90% or 80% of actual costs.
  • Repatriation assistance
  • Personal liability - private capacity and legal assistance
  • Death and loss of autonomy
  • Income protection

Competitive pricing

  • Your premiums will not increase regardless of your level of expenditure
  • Choice of individual or family premium
  • Reduce your medical expenses premium by choosing reimbursement at 90% or 80% of actual costs
  • Option to pay in monthly, quarterly or twice-yearly instalments by direct debit at no additional cost

Practical information

  • Cover available to expatriates not living in France or in the French Overseas Departments and Regions
  • Age limit for applications: 70 inclusive (64 for personal liability - private capacity and legal assistance,death/loss of autonomy and income protection)
  • Medical formalities: health questionnaire (additional formalities for applications from the over 60s: medical examination and report)
  • Insurance certificate delivered immediately if you apply online

Associated services

  • Direct payment of hospital charges: if you are a CFE member, you have nothing to pay at the hospital, we'll take care of it for you!
  • Repatriation assistance and translation of documents
  • Services in the USA: (if you are a CFE member):
    • Third party payment service: no cash advance required for 490,000 doctors and 5,000 hospitals who are members of the Aetna network and 57,000 pharmacies belonging to the Caremark network.
    • Home consultation service
  • Legal and practical assistance to help with administrative formalities and paperwork

List of excluded countries and/or states

  • Afghanistan
  • North Korea
  • Irak
  • Iran
  • Libya
  • Mali
  • Niger
  • Pakistan
  • Central African Republic
  • Somalia
  • Sudan
  • Syria
  • Yemen

Watch our video

Rubelles + is a product of APRIL International Expat (ex APRIL Mobilité) – a French company registered in Paris (under number 309 707 727) and with ORIAS (under number 07 008 000) whose headquarters are located at 110 avenue de la république - 75011 PARIS France

This product is designed, administered and distributed by APRIL International Expat and insured by Axéria Prévoyance (for medical cover, death/total and irreversible loss of autonomy, income protection and Personal liability - private capacity), ACE Europe (for repatriation assistance) and Solucia Protection Juridique (for legal assistance). The services are designed and distributed by APRIL International Expat.

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