Are you about to settle in Brazil or are you already living there as an expatriate? Understanding your health coverage options is essential to ensuring your well-being. This guide reveals the main insurance options available and explains the specificities of the Brazilian health system. From the Caisse des Français à l’Étranger (CFE) to local private insurance, learn how to optimize your health protection while benefiting from comprehensive assistance.
The Brazilian Health System
In Brazil, the Sistema Único de Saúde (SUS) offers universal and free health coverage. This system is based on a network of basic care units that interested citizens and residents can consult. However, while this solution may seem attractive due to its free nature, it is often faced with prolonged waiting times and limited treatment coverage. As a result, many expats are turning to additional options to ensure comprehensive coverage.
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Local Private Health Insurance
Private health insurance in Brazil is a common option to supplement the coverage offered by the SUS. They allow faster access to care and broader coverage of medical treatments. However, it is crucial to note that while these insurances are relatively affordable, they may have reimbursement delays and exclude certain types of care.
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IntegralExpatSanté: A Complete Option for French Expatriates
For French expatriates, the offer IntegralExpatSanté presented by the CFE is a solution of choice. It combines basic insurance with additional coverage, ensuring optimal reimbursement of your medical expenses. With this package, health costs are covered directly, eliminating any waiting period. In addition, IntégralExpatSanté includes a hospital third-party payment service, thus guaranteeing coverage without advance costs of up to 100% during hospitalizations.
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International Health Coverage
IntegralExpatSanté is not limited to Brazilian territory. It also insures you during your stays in France of less than three consecutive months, allowing you to benefit from continuous support. Thus, when you return to France, your reintegration into the Social Security system will take place without a waiting period.
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Subscription to IntégralExpatSanté
Joining IntégralExpatSanté is quick and easy. It is done by e-mail or directly online on the CFE website. This offer is open to individuals aged 18 to 59 and not retired from the general scheme, providing the assurance of optimal health coverage with a single contact. In addition, only one call for contributions per year facilitates financial procedures.
Meeting with our Experts
Would you like to know more about health coverage options in Brazil? Take advantage of the opportunity to meet our experts at events in Rio de Janeiro and Sao Paulo from April 8 to 11. Whether for an on-call service, a conference or a business breakfast, these meetings are the perfect opportunity to ask all your questions and optimize your health coverage.
