Which insurance in Mauritius should you choose when you settle in? The question comes up in almost all our conversations with future residents. You need to think about health, your home and your car. Here are the insurances to plan for, and the role of the CFE for French citizens.
Insurance in Mauritius: the cover to plan for
Three types of insurance matter most for an expatriate. First, health insurance, which pays for care in private clinics. Next, home insurance, useful whether you own or rent. Finally, car insurance, because third-party liability is compulsory for every vehicle. You can also insure your leisure activities or your pets.
Health insurance in Mauritius: local or international?
You have two main options. Local insurance, taken out with a Mauritian insurer, mainly covers care on the island. International insurance follows you to your home country and on your travels. Among local insurers, you will find for example SWAN, MUA or SICOM. Always compare guarantees, ceilings and exclusions before signing. To find out where to get treated, read our page on healthcare in Mauritius.
The CFE: social security for French citizens abroad
If you are French, you may know the CFE, the Caisse des Français de l’Étranger. This organisation presents itself as the social security scheme for expatriates. Several offers exist depending on your situation: one for people under 30, one for working people over 30, one for retirees, and one that covers your care in France during stays of less than three months. The CFE also manages a pension insurance for people working abroad.
To find out your offer, membership conditions and reimbursements, request a quote directly on the CFE website. In addition, check whether a local top-up policy is still useful for the island’s private clinics.
Home insurance in Mauritius: protecting your property
An owner insures the property and its contents against fire, water damage and theft. Cyclones and floods deserve special attention, so check that the contract covers them. A tenant, for their part, insures their belongings and their liability. For a second home left empty, tell the insurer, because it may adjust the terms.
Car insurance and brokers
Third-party liability is compulsory to drive. However, comprehensive cover protects you better, because imported parts are expensive to replace. To compare without getting lost, you can use a broker: they work with several companies and help you choose. A question about your move? Contact us: we will point you towards trusted professionals.