English-speaking mutuelle for retirees in France
English-speaking top-up health insurance for seniors. Pre-existing conditions covered.
What is a mutuelle for retirees?
A mutuelle is private health insurance that covers what Sécurité Sociale doesn't reimburse — essential for retirees who typically use more healthcare services, from regular check-ups to dental work, glasses, hearing aids, and specialist visits.** Plans for seniors typically cost €60-150/month, depending on age and coverage level.
In France, your healthcare has two layers:
Public health insurance (PUMa / Sécurité Sociale)
Retirees living in France (with an S1 form or residency) access the French public healthcare, which reimburses around 30%–70% of medical costs. It covers basic care such as GP visits, partial hospital stays, prescriptions, and tests, but leaves notable gaps, especially in dental, optical, and hearing aid care, as well as specialists.
Mutuelle — private top-up health insurance
A mutuelle covers what Sécurité Sociale doesn't. It's key for retirees who need better dental, vision, hearing aid coverage, specialist access, and support for chronic care. With tiers payant, you often pay nothing upfront. Not with mutuelle.
What's covered?
GP and specialist visits
Top-up coverage for medical consultations.
Hospital care
Additional reimbursement for hospital stays, surgery fees, anesthesia, and private rooms.
Dental care
Coverage for cleanings, fillings, crowns, prosthetics, and other dental treatments.
Vision and glasses
Allowances for frames, lenses, contact lenses, and eye exams.
Pharmacy
Better reimbursement for prescribed medication not fully covered by Sécurité Sociale.
Alternative care
Support for physiotherapy, osteopathy, acupuncture, and other complementary treatments.
Protection designed for retirement life
Healthcare needs change as you get older. These services are included with your coverage:
Home assistance after hospitalisation
Home help, cleaning, meal preparation, and practical support if you're hospitalised or temporarily immobilised — so you can recover comfortably.
Travel coverage for visits home (30 days/year)
Medical treatment covered during trips to visit family abroad or holidays outside France, wherever retirement takes you.
24/7 English-speaking teleconsultation
Unlimited access to English-speaking doctors via MédecinDirect. Get medical advice without leaving home.
Repatriation assistance
Organised return to appropriate care if you become seriously ill far from home — for you and your spouse if travelling together.
Why retirees choose Feather
Stronger day-to-day and long-term care
Top-up coverage that reduces out-of-pocket costs for GP visits, specialists, dental, optical, medication, diagnostics, and chronic condition follow-ups.
Made for English-speaking retirees
Clear guidance, easy onboarding, and full support in English — ideal if you're navigating the French healthcare system for the first time.
Predictable, flexible coverage
Transparent monthly pricing with plans you can adjust anytime, ensuring your healthcare stays aligned with your needs in retirement.
Ready for comprehensive coverage?
Get a quote in minutes
Which retirees need a mutuelle in France?
Foreign retirees living in France
You’re settled in France and covered by Sécurité Sociale, but you’ve realised it leaves you paying a lot for dental work, glasses, and some specialist visits. A mutuelle helps reduce these extra costs so you can use the French system fully without worrying about the bill every time.
Retirees with an S1 form
You’ve registered an S1 and are now in the French public system, but only for the basics. A mutuelle strengthens your cover where the S1 and Sécurité Sociale are weakest – especially dental, optical, and certain specialist fees – so you’re not surprised by big out-of-pocket bills.
Couples retiring together
You and your partner have moved to (or are moving to) France for retirement. You may not have the same medical history or needs, but you both want reliable cover. With Feather, each partner gets their own mutuelle contract and coverage level, while you still manage everything easily from one account.
Retirees with chronic conditions or regular care needs
You see doctors and specialists more often – for chronic conditions, follow-ups, scans, or recurring prescriptions. With only Sécurité Sociale, the “reste à charge” adds up quickly. A mutuelle helps keep ongoing costs for consultations, exams, and treatments under control so you can focus on your health, not the invoices.
Waiting for your S1 or Carte Vitale?
If you're still waiting for your S1 activation or PUMa registration, we can help you navigate the process and stay protected in the meantime.
How to use your retiree mutuelle
Use your Carte Vitale
Most providers send your claim directly to public insurance.
If you receive a feuille de soins, simply upload it to your Feather account for reimbursement.
Feather completes the reimbursement
Once public insurance processes the claim (or we receive your feuille de soins), we cover the remaining eligible amount automatically.
Quick, hassle-free refunds
Reimbursements go straight to your bank account — and with tiers payant, many visits require no upfront payment.
Get your mutuelle quote and be well covered.
It takes 3 minutes. If you are not sure or have questions, book a call with an expert.
Why you'll love Feather
Best-rated support in Europe
If you’re unable to solve a problem, we can assist you online via video call or by email.
Digital account management
Manage your health insurance policy online, including updating information or claims.
Customized coverage
Choose between different plans to adjust your coverage to your needs
Couples managed from one account
Both partners get individual contracts and coverage levels, but you manage everything from a single dashboard — simple for couples retiring together.
Frequently asked questions
Do I need a mutuelle if I have an S1?
How much does a mutuelle cost for retirees in France?
Who is eligible for Feather's health insurance?
Can I have multiple complementary health insurance policies?
Am I covered worldwide with private health insurance?
Does mutuelle cover hearing aids?
See our FAQ page for more answers.
