Visa-ready plans from $721 per adult, billed annually · see your exact price by age.
The rule in writing
“For a long-stay visa (VLS-TS), you must hold private health insurance covering your full stay in France. Travel insurance and short-stay Schengen policies are not accepted.”
Official source: France-Visas (france-visas.gouv.fr) & FrenchEntrée long-stay guide — Last verified:
The rule in writing
“The policy must provide medical and hospitalisation cover valid in France for the whole visa period (up to one year), stating inpatient and outpatient cover and the territory.”
Official source: France-Visas long-stay visa requirements — Last verified:
The rule in writing
“Consulates commonly refuse policies with a deductible (excess) on the core cover. Applicants report rejections over deductible clauses; the certificate should show cover without a disqualifying deductible.”
Official source: Consulate application guidance & documented applicant reports — Last verified:
Will your certificate pass?
What a consulate officer actually looks for on the page.
Passes when it shows
- Private health cover — not travel or Schengen
- Medical + hospitalisation cover valid in France
- Covers your full visa period (up to a year)
- No disqualifying deductible on the core cover
Refused when it’s
- A travel or Schengen “trip” policy
- A deductible / excess on core cover
- Cover that ends before your visa does
Where insurance sits in a talent passport file
The talent passport is France's multi-year residence route for qualified professionals, entrepreneurs, and artists, issued as a long-stay visa. That single fact decides the insurance rules: your file needs the same long-stay visa insurance every VLS-TS applicant needs, not a travel policy. The certificate must show private health cover valid in France for your full stay, inpatient and outpatient care both stated, and no disqualifying deductible on the core cover. Full eligibility criteria live on France's official visa portal; this page covers the insurance side only.
The bridge months before you join the French system
Once you're employed in France, many talent passport holders join the French system through work, and that switch is covered in full at how French healthcare works. Before it takes effect, though, private cover carries your visa file and the months in between. Consulates read the certificate closely, so the wording has to match what they expect; inpatient and outpatient cover named, no travel-insurance language, no disqualifying deductible. Our certificate wording guide shows the lines that pass and the ones that get files sent back.
What we arrange for your talent passport file
We build talent passport files around the certificate first: cover limits from US$1,000,000 to US$2,000,000, same-day issue with no medical exam, and a 14-day cooling-off period once you've bought. Children aged 0-17 sit on a flat rate, pre-existing conditions are excluded, and US treatment isn't covered. New applicants are accepted to age 70, or 80 on our Essential tier. A specialist checks the certificate wording your consulate expects before you buy; start with a quote, run a checklist, or get a policy check. Real prices by age live at France prices.
Honest limits: Cover is worldwide but excludes treatment in the United States. Pre-existing conditions are excluded, including conditions you did not know about. We disclose this before you request a quote. Consulates keep discretion, and requirements can change. We show the published rule and its source; the final decision is the consulate’s.