Leaving the French social security system for Mauritius requires a methodical approach.<\/p>\n
Before leaving, the ameli procedure regarding expatriation<\/a> Remember that you must declare your change of residence to the CPAM within one month of your departure, and then return your health insurance card (Carte Vitale) and your European Health Insurance Card (EHIC). If you wish to maintain continuous coverage, the CFE's health continuity offer<\/a> can take over.<\/p>\n On the return trip, universal health protection<\/a> Your professional situation determines the resumption of your benefits. If you return to work, benefits are reinstated immediately; if you are not employed, the CPAM (French Health Insurance Fund) will review your residence and your file.<\/p>\n This transition from the French social security system primarily concerns individuals who relocate permanently outside of France and are no longer considered posted workers. In this case, you generally fall under the local social security system of your country of residence, and continued coverage under the French system is only maintained if you actively arrange it, for example, through the CFE (French Social Security Fund for Expatriates).<\/p>\n If your move to Mauritius is part of a larger relocation project, you can combine this topic with the Complete guide to visas and procedures for Mauritius<\/a> and the guide to residence permits in Mauritius<\/a>. These reference points help to establish the correct sequence between departure, residence and insurance.<\/p>\n The right thing to do is simple: send the form S1105<\/strong> to your local health insurance office (CPAM) within one month of the date you cease to reside in France. Follow the same procedure for each adult accompanying you, and also declare any minor children traveling with you.<\/p>\n The CFE, French Nationals Abroad Fund<\/strong>, This is a continuity tool for expatriates who want to remain connected to the French system. It does not replace the mandatory social security system of your country of residence, as you contribute to both the local system and the CFE (French Social Security Fund for Expatriates). It operates without a prior medical questionnaire and without age restrictions.<\/p>\n To minimize delays, enroll before departure or within three months of settling in abroad. In this case, healthcare coverage begins immediately. If you enroll later, a waiting period may apply depending on your age and product.cfe.fr<\/a>)<\/p>\n Upon your return to France, there will be no waiting period!<\/p>\n<\/blockquote>\n The cost is not fixed. In 2026, CFE rates are quarterly, depend on age and household composition, and health insurance contributions can change as they are set by ministerial decree. In other words, the correct amount is that of the current rate schedule or the individualized quote.cfe.fr<\/a>)<\/p>\n The CFE also reimburses healthcare abroad depending on the country where it is provided and the type of procedure, using either a fixed rate or a lump sum. This explains why continuity of coverage and the level of reimbursement should be considered together, especially if you are going away for an extended period.<\/p>\n If you compare CFE continuity with broader protection, the guide to health insurance in Mauritius<\/a> This will help you determine what coverage falls under French national health insurance, local coverage, or supplemental insurance. This will help you choose coverage that aligns with your budget and usual healthcare needs.<\/p>\n If you return to France and resume employment, PUMa entitles you to healthcare coverage from your first hour of work. Your employer completes the DPAE (Prior Declaration of Employment), then you finalize your registration with the CPAM (Primary Health Insurance Fund) in your place of residence.service-public.fr<\/a>)<\/p>\n If you return home without immediate employment, you must submit form S1106 to the CPAM (French Health Insurance Fund) to request the activation of your benefits. PUMa (Universal Health Coverage) is based on stable and regular residence in France, so a complete and consistent application is required, reflecting your specific situation.<\/p>\nWho is responsible for this before departure?<\/h2>\n
Deregistration from the CPAM: the steps to follow<\/h2>\n
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CFE membership: contributions, continuity and return without waiting period<\/h2>\n
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Returning to France: rights, PUMa and CPAM<\/h2>\n
Practical calendar at a glance<\/h3>\n