What is alternative medicine?
Alternative medicine, also known as alternative or preventive medicine, is a group of practices that do not involve drugs or chemical molecules. They are used to prevent or complement traditional treatments, and are particularly appreciated for their holistic approach. In addition to osteopathy, acupuncture and sophrology, practices such as hypnotherapy and naturopathy are gaining in popularity, particularly as tools for managing stress or improving day-to-day well-being. As we’ll see in more detail below, however, you should be aware that some practices may be reimbursed by your expatriate health insurance. This is not the case for all practices, nor for all expatriate health insurance plans. In the case of psychology, for example, which is a distinct feature of international health insurance policies, there may be several levels of reimbursement. Before taking out an expatriate health insurance policy, we advise you to find out what is covered by the different expatriate health insurance plans.
Alternative medicine in France and during your expatriation
The popularity of alternative medicine remains strong, with around 70% of French people using it regularly. In the context of expatriation, these practices are often accessible in various countries, but their recognition and coverage vary. In 2024, countries such as Switzerland and Canada continue to integrate certain alternative medicines into their public health systems. Others, such as Australia and New Zealand, are also increasingly recognizing them. Before you leave, it’s advisable to find out about local practices and certifications, as the standards and qualifications of practitioners can vary widely. Many countries around the world use alternative medicine, which may give you access to it during your expatriation as a French national abroad. Of course, its medical reputation and use depend on the country of expatriation. These alternative practices are highly developed in many Asian countries, Switzerland (where certain practices are integrated into the Swiss social protection system) and Canada. Here, for example, you’ll find the Collège des médecines douces du Québec (CMDQ), a distance-learning alternative medicine teaching organization that obtained legal and cooperative recognition in 1989. Find out in advance about the types of alternative medicine your expatriate country offers, so you can choose the one that suits you best. Then you’ll be able to find the expatriate health cover that’s right for you.
Alternative medicine and social security for French expatriates
As alternative medicine is not considered a “medical specialty”, social security reimbursements are unfortunately virtually non-existent. The Assurance Maladie does not pay for any sessions, unless they are provided by an approved doctor. In this case, the patient can benefit from reimbursements (percentage depending on the practice; homeopathy, hypnosis, psychology, sophrology, acupuncture can be covered up to 70%). As these practices are poorly covered by the French social security system, the same applies to the Caisse Des Français de l’Etranger (CFE). CFE reimbursements are virtually non-existent.In 2024, reimbursements by the Caisse des Français de l’Etranger (CFE) have not evolved significantly, and they still provide little coverage for these practices, with the exception of a few restricted treatments. This underlines the importance of taking out international health insurance with more extensive cover for alternative medicine
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Is alternative medicine covered by my expatriate health insurance?
The coverage of alternative medicine by complementary health insurance varies according to the practices covered and the specific health insurance guarantees. Since 2021, many insurers have enriched their offers for expatriates, proposing more diversified options. For example, some MSH contracts include up to 10 annual reimbursed sessions of osteopathy, acupuncture or physiotherapy. Other insurers, such as April Internationale and Malakoff-Humanis, offer customizable packages to include practices such as hypnotherapy, naturopathy or chiropractic, available as an option or as an annual package. Reimbursement terms may differ according to the type of contract chosen, with coverage levels varying between basic and premium contracts. What’s more, some insurers impose conditions, such as a prior medical recommendation for reimbursed sessions. It is therefore essential to check your policy’s guarantees to ensure that you are adequately covered, whether for reimbursement per session or with an annual ceiling.
Please note that some insurers will only reimburse your alternative medicine sessions if they are recommended by a doctor or specialist
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Santexpat.fr, expatriate health insurance comparator
Looking for international health insurance? Santexpat.fr offers expatriates international health insurance and health insurance plans that include alternative medicine. Don’t hesitate to contact one of our international health experts to find out more. You’ll be able to check which practices are covered, for which treatments, and at what reimbursement level. If you’re already insured, we advise you to carefully read the coverage offered by your expatriate health insurance in your contract and/or attestation (whether in France or abroad, in your country of expatriation).
Please note: although “natural”, it’s advisable to talk to your GP before resorting to it (even more so in the case of maternity, hospitalization or treatment of children). Don’t hesitate to consult several doctors for advice and recommendations, and to find out the cost of consultations.
