What It Is
Santé Expat (domain: sixtytwo.fr) is a French insurance brokerage with more than 15 years of history. Its core business is providing health insurance and borrower insurance for expatriates worldwide. As a professional broker, it does not underwrite policies directly; instead, it acts as an intermediary, helping clients compare and select suitable medical coverage from a range of leading international insurers.
Core Dimensions
- Service types: Mainly expatriate health insurance and borrower insurance, including CFE (the French social security scheme for French nationals abroad) top-up coverage, global medical coverage, Schengen visa first-euro insurance, and ACA-compliant insurance that meets the requirements of the U.S. Obamacare framework.
- Covered countries/regions: Global coverage, with particular emphasis on North America (the United States, Canada), Europe (the Schengen Area, the UK, etc.), Asia (China, Japan, Singapore, etc.), Oceania, and French overseas departments.
- Compliance and licensing: As a France-registered insurance broker, its strength lies in cross-border compliance expertise. This is especially relevant for people moving to the United States, where it offers ACA-compliant policies under Obamacare (such as Wellaway contracts), as well as insurance plans that meet the mandatory requirements for Schengen visas.
- Supported payment methods / settlement cycle / API and integrations / risk-control capabilities: These details are not disclosed on the official website.
Pricing
The official website does not publish specific premium rates or fees. Its business model is based on free, customized quotes, with final pricing depending on the selected insurer (such as AXA, Allianz, Cigna, etc.) and coverage plan.
Pros and Cons
- Pros: Strong insurer network, including AXA, Allianz, Cigna, and others; very broad scenario coverage, with plans for everyone from international students to retired expatriates; deep understanding of cross-border compliance requirements such as Schengen visa insurance and U.S. Obamacare.
- Cons: No instant online quote or enrollment system, so communication by email is required; the website’s blog leans toward general financial topics such as ETFs and IPOs, which are only loosely related to its core insurance business; the service is primarily aimed at French-speaking users, creating a language barrier for non-French speakers.
Best For
French expatriates who need overseas medical coverage, foreigners traveling to France or the Schengen Area, employees going to the United States who need Obamacare-compliant coverage, as well as international students and retirees worldwide.
Access from China
- Network: Unknown. As a France-based website, direct access from mainland China may have some latency, but there are no clear signs of blocking.
- Payments: No information is provided on whether Chinese local payment methods such as Alipay or WeChat Pay are supported.
- Alternatives: For expatriates in China, direct cross-border medical insurance from international insurers such as Cigna or Bupa may be worth considering.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on sixtytwo.fr official site.