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The island of Réunion, a French overseas department nestled in the Indian Ocean, is a popular destination for its high quality of life, tropical climate, and stunning volcanic landscapes. For expats residing here, having the right health coverage is essential, ensuring smooth access to healthcare whenever needed. So, how can expats navigate the health insurance system in Réunion?
In Réunion, the healthcare system is aligned with the French model, with most medical costs covered by Social Security. As an overseas French department, Réunion provides services similar to those in mainland France. However, expats who aren’t affiliated with French Social Security need health insurance to avoid high costs related to doctor visits, hospital stays, and specialist care.
Good to know: European residents can access limited coverage through the European Health Insurance Card (EHIC), but this is insufficient for a long-term stay. The EHIC only covers urgent care, excluding routine consultations or planned treatments.
For expats, there are two primary health insurance options: local insurance or international health insurance.
Local insurers, either based in Réunion or affiliated with French providers, generally cover basic medical costs. However, these plans may have limitations, especially regarding specialized care or medical evacuation. Reimbursement processing times can also vary based on the chosen plan and internal procedures.
In contrast, international health insurance often offers broader coverage, with added benefits such as medical evacuation, access to healthcare in multiple countries, and streamlined reimbursements. Expats can also benefit from dedicated support services and faster reimbursements.
Réunion’s healthcare system includes several high-quality facilities in the island’s major cities. Hospitals and clinics are often equipped with modern technology, allowing residents and expats to access emergency or routine care similar to that in mainland France. However, certain specialties may require medical evacuation to mainland France, especially for highly specialized or intensive care needs.
Good to know: For emergencies, the main hospitals in Saint-Denis, Saint-Pierre, and Saint-Paul serve as reliable points of reference, offering 24/7 emergency services.
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2. I request a quote online and sign it electronically.
3. I download the Easy Claim app and take advantage of all my online services.
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