Health Insurance in Martinique

Martinique, a slice of France in the heart of the Caribbean, draws many expats each year, captivated by its stunning lifestyle and tropical climate. But living in Martinique also means thinking about healthcare and social protection. Just like anywhere, having the right health insurance is crucial for smooth access to medical care, especially given the specifics of healthcare on an island. This article covers everything you need to know about choosing health insurance in Martinique, the coverage options available, and the healthcare facilities where you can receive quality care.

What health insurance for expatriates in Martinique?

The health insurance system in Martinique

As an overseas department of France, Martinique benefits from the French social security system, making it easier for expats from mainland France to settle in. French residents already registered with the national health system can simply transfer their registration from mainland France to Martinique. However, the social security system has its limits, especially for certain specific services or non-reimbursed elective care.

For expats who are not affiliated with the French system, access to social security may be challenging. In this case, they will need to consider private local or international health insurance to obtain comprehensive medical coverage.

Good to know: While wait times in Martinique are generally shorter than in mainland France, some specialists can be harder to access. Health insurance that covers potential treatments in France or other regions may be a wise option.

Choosing health insurance in Martinique: local or international?

In Martinique, expats have the choice of subscribing to either local or international health insurance, both of which offer distinct advantages but may differ in their range of coverage.

Local health insurance: Often provided by Martinican insurers, this type of coverage is generally more affordable and covers in-country care. However, it may have limitations for care outside of Martinique or specific services, such as repatriation or high-cost treatments.

International health insurance: Expats who travel frequently, prefer to access healthcare in France or other countries, or seek comprehensive medical coverage often choose international health insurance. This option provides extensive coverage, even outside Martinique, and is often better suited to expats’ needs and those of their families.

Good to know: International insurers typically offer access to a larger healthcare network, as well as 24/7 assistance services, which can be invaluable in case of emergency.