Published on and written by Cyril Jarnias
Moving to France is often synonymous with a high quality of life, but for many expatriates, the major unknown remains the healthcare system. Between administrative procedures, medical jargon, mandatory insurance, and finding English-speaking doctors, the learning curve can be steep. However, France boasts one of the most efficient healthcare systems in the world, and when well understood, it can be both accessible, effective… and financially very advantageous.
This article details the concrete workings of the French healthcare system for expatriates, providing explanations, practical advice, and numerical examples for a complete understanding.
Understanding the logic of the French healthcare system
The heart of the system is Universal Health Coverage (Protection Universelle Maladie – PUMA), often called Health Insurance or la Sécu. It is a universal public system, funded by social contributions and taxes, which covers about 96% of residents. France allocates over 10% of its GDP to it, which largely contributes to the quality and accessibility of its healthcare.
The public healthcare system in France only reimburses a portion of expenses, based on official rates. Therefore, the majority of residents, including expatriates, take out a private supplementary insurance policy, called a *mutuelle*, to cover all or part of the remaining costs.
Rather than a system that is “completely free” or “completely private”, France operates on a mixed model: a very broad public base, supplemented by private insurance, and a network of self-employed professionals (doctors, dentists, physiotherapists, etc.) in private practice, alongside public hospitals and private clinics.
Who is entitled to public coverage when moving to France?
To benefit from PUMA, the general rule is simple on paper: one must legally reside in France in a “stable and regular” manner. In practice, this means living there for at least three consecutive months, and at least six months per year (183 days).
The most common situations for expatriates can be summarized as follows:
| Expatriate Situation | Access to Health Insurance |
|---|---|
| Employee of a French company | Immediate coverage from the start of the contract |
| Expatriate with a long-stay “visitor” visa | Application possible after 3 months of stable residence |
| Student enrolled in a recognized institution | Entitled to affiliation with the student / general scheme |
| Retiree from the EU/EEA with an S1 form | Rights transferred from the country of origin |
| Non-EU jobseeker without activity in France | Generally, no right to free coverage; private coverage needed |
| Children residing in France | Automatic coverage, regardless of nationality |
Citizens of the EU/EEA/Switzerland can use the European Health Insurance Card (EHIC) for short stays, while British nationals have the GHIC. But as soon as it’s a matter of settling long-term, one must go through the CPAM (Primary Health Insurance Fund) of their department.
Starting in 2026, some non-European long-stay “visitor” visa holders will have to pay a “minimum health contribution”, estimated to cost between €300 and €600 per year, to access Universal Health Coverage (PUMA).
The real entry into the system involves obtaining a social security number (numéro de sécurité sociale – NIR) and then a Carte Vitale, that green chip card that the French automatically hand over at the doctor’s office or pharmacy.
The standard procedure consists of sending an application file to the CPAM of your place of residence. It generally requires:
List of essential documents to provide to constitute a residence permit application file in France.
Valid passport or identity card (for EU/EEA nationals). Valid visa or residence permit.
Proof of address in France (lease, electricity bill, etc.) and proof of three months of residence (bank statements, receipts).
Birth certificate with filiation, translated into French by a sworn translator if necessary.
Proof of situation (employment contract, enrollment certificate for students, etc.).
RIB (Relevé d’Identité Bancaire) from an account opened with a French bank.
Once the file is registered, the CPAM first assigns a provisional number, which already entitles you to reimbursements. The definitive number is then issued by the CNAV after verification of civil status documents. The Carte Vitale generally arrives a few weeks later, but processing times can be several months (6 to 9 months in some cases).
In the meantime, you must keep all feuilles de soins (paper forms given by doctors) and invoices to request a manual reimbursement.
What is the Carte Vitale actually used for?
The Carte Vitale is the tool that materializes your affiliation. At the doctor’s office, pharmacy, or hospital, it allows the electronic recording of your care and triggers automatic reimbursement by Health Insurance and, where applicable, by your mutuelle.
Without the Carte Vitale, you must pay all medical fees upfront and send the paper feuilles de soins to the CPAM to be reimbursed. With it, most reimbursements are automatic and require no action. It is crucial to regularly update your card at a dedicated terminal (like in a pharmacy) in case of a change in personal situation.
A digital version of the Carte Vitale via a mobile application is currently being rolled out.
What does Health Insurance really reimburse?
The French system never reimburses “70% of everything” indiscriminately. It reimburses a percentage of a reference rate, called the convention rate or reimbursement base. This detail makes the difference on the final bill.
Some useful benchmarks for an expatriate:
| Type of care | Base rate (example) | Standard reimbursement rate | Part reimbursed by la Sécu |
|---|---|---|---|
| General practitioner consultation (sector 1) | €30 | 70 % | €21 (minus €1 flat-rate contribution) |
| Specialist consultation (sector 1) | Variable (e.g., €35 for gynecologist) | 70 % | About €24.50 |
| Hospitalization (excluding daily hospital fee) | Variable | 80 % (100% after 30 days) | 80% of medical fees |
| Physiotherapy (paramedical) | Variable | 60 % | 60% of the convention rate |
| Medical transport | Variable | 65 % | 65% |
| Medications | Variable | 15%, 30%, 65% or 100% depending on medical usefulness |
Additionally, there are flat-rate contributions: €1 per box of medication and €2 per consultation, capped at €50 per year per person, as well as a fee of €18 for certain costly procedures performed in a hospital without full hospitalization.
For long-term conditions (affections de longue durée – ALD), care related to the condition is fully reimbursed based on Social Security rates.
Hospitalization systematically incurs a daily hospital fee (about €18–€20 per day), which la Sécu does not cover, but which many mutuelles reimburse.
Price sectors that complicate matters
In France, many doctors in private practice work in sector 1: they apply the convention rates and do not or rarely charge extra fees (dépassements d’honoraires). Others work in sector 2, with free pricing: they charge above the base rate, sometimes significantly, especially in large cities.
Social Security continues to reimburse based on the same base rate, which leaves a significant bill if you don’t have a high-end mutuelle. For an expatriate used to choosing a specialist simply based on reputation, this point is crucial.
Why almost everyone has a mutuelle
Faced with this co-payment system, approximately 95% of French residents have taken out supplementary health insurance, called a mutuelle or complémentaire santé. It covers all or part of:
– the co-payment (ticket modérateur) (the part not reimbursed by la Sécu)
– Fees (daily hospital fee, certain emergency procedures)
– Extra fees (dépassements d’honoraires)
– Poorly or partially reimbursed care (dental, optical, hearing, some complementary medicine, etc.)
For an expatriate employee, the good news is that the employer in France has a legal obligation to offer a company mutuelle and to pay at least 50% of the premium. This is often the most economical solution to start with.
Self-employed workers, retirees, visitors, non-working spouses, and other non-salaried categories must take out supplementary health insurance directly from a mutual organization or private insurer, not through their employer.
Approximate costs:
| Profile | Monthly mutuelle price range |
|---|---|
| Student | €15–€20 for basic coverage |
| Standard working adult | About €40 on average (can vary from €30 to €100) |
| Very comprehensive coverage (enhanced dental/optical, private room, etc.) | Up to €200 and more |
By 2026, mutuelle premiums are expected to increase by an average of over 4%, notably due to a new solidarity levy and transfers of charges from Health Insurance.
For those on lower incomes, a specific scheme, Complémentaire Santé Solidaire (CSS), allows access to a quasi-free or very low-cost supplementary insurance, funded by the state.
And what about international private insurance?
Expatriates who do not yet meet the criteria to enter PUMA — for example during the first three to six months of stay, or those who come with a visa requiring private coverage — often turn to international health insurance.
This type of policy, offered by players like Cigna Global, Allianz Care, APRIL International, AXA or others, almost always offers:
– 100% coverage of medical expenses in the covered area
– services in English
– the possibility of care in several countries, even worldwide
– networks of partner doctors and a direct payment system
The premiums are significantly higher than a simple local mutuelle: roughly €50 to over €300 per month depending on age, coverage chosen, and geographical area. For an expatriate who does not yet have access to la Sécu, or who wants maximum flexibility (especially if they travel a lot), this can nonetheless be the simplest solution, even if they later switch to the PUMA + mutuelle combination once permanently settled.
How does registration work upon arrival?
For an expatriate settling in France, the typical sequence looks like this:
For Europeans, it is necessary to request an EHIC/GHIC card or an S1 form before departure. Non-Europeans must take out private insurance of at least €30,000 for a Schengen or long-stay visa. After three months of stable residence, eligible individuals must submit an application file to the CPAM with the S1106 form (Cerfa 15763) and supporting documents. During the processing period (4 to 12 weeks on average), it is crucial to keep all medical bills for retroactive reimbursement once rights are established. Finally, after affiliation, you must choose and declare a primary care physician (médecin traitant) to Health Insurance, usually using the Carte Vitale.
For employees, part of these procedures is often automated: the employer, via its declarations to Urssaf, triggers affiliation to Social Security. For self-employed workers, students, or retirees, the process must be managed by oneself.
The central role of the primary care physician (médecin traitant)
The general practitioner plays a key role in what is called the coordinated care pathway. To benefit from the best reimbursement levels, it is strongly advised to designate a primary care physician (médecin traitant), who will be your point of reference and, in principle, the gateway to specialists.
In practice:
You are free to choose your primary care physician, whether they practice in an individual office, a health center, or a group practice. The designation is done using your Carte Vitale or via a paper form. Once designated, this physician will refer you to most specialists, like a cardiologist, rheumatologist, or endocrinologist.
Not going through them (except for exceptions) results in a reduction in reimbursement for many specialist consultations. However, certain specialists remain accessible directly without penalty: gynecologists, ophthalmologists, pediatricians, and psychiatrists for those under 26.
Appointment waiting times vary greatly depending on region and specialty. Available studies indicate, for example:
| Specialty | Reported average wait time |
|---|---|
| General practitioner | About 6 days |
| Pediatrician / radiologist | About 3 weeks |
| Dentist | About 17 to 30 days |
| Gynecologist | About 6 weeks |
| Cardiologist | About 50 days |
| Dermatologist | About 2 months |
| Ophthalmologist | Up to 80 days |
This strain on certain specialists pushes many patients to use telemedicine or private clinics to save time, especially in large cities.
Finding a doctor (and, if possible, an English-speaking doctor)
You will never see a sign saying “English-speaking doctor” displayed on a window in France: advertising is strictly regulated, and doctors are not allowed to highlight their foreign language skills.
To identify a practitioner, both French people and expatriates turn to:
– The Ameli directory (the official Health Insurance directory)
– Online appointment platforms like Doctolib, Maiia, or Keldoc
– Pages Jaunes (General Practitioners for GPs, Qualified Physicians + specialty for specialists)
– The website of the French National Medical Council (Ordre National des Médecins)
To find an English-speaking doctor, expatriates mainly use:
Several resources exist to identify English-speaking healthcare professionals in France. You can consult lists published by certain embassies (United States, Australia, United Kingdom, etc.), which list doctors who have declared they speak English. Private clinics geared towards an international clientele, like the American Hospital of Paris or the Franco-British Hospital Institute, are also an option. Finally, word-of-mouth within expatriate communities, via forums or Facebook groups, is a practical source of information.
There are also structures explicitly oriented towards English speakers, such as the American Medical Center Paris, which offers general medicine and specialist consultations with a multilingual team (English, French, Spanish, Arabic). This type of center often offers fast appointments, certificates for international insurance, assistance with additional tests, but charges fees accordingly.
Medical emergencies: who to call, where to go?
In a life-threatening emergency, the rule is the same for everyone, French or foreign: call 15 for the SAMU (emergency medical service), or 112, the European emergency number. The fire brigade, reachable at 18, also intervene in many rescues, as does 17 for the police. A specific number via SMS or fax, 114, exists for the hearing impaired.
Hospital emergency departments (les urgences) welcome anyone, even uninsured, regardless of nationality or administrative status. Billing comes later, and the part not covered by Health Insurance must be paid by the patient or their private insurance. In the Paris region, establishments like Hôpital Hôtel-Dieu or Pitié-Salpêtrière are references.
Only two-thirds of calls to the SAMU result in an ambulance being sent, after filtering by a regulating doctor.
Outside of situations of immediate danger, it is not advisable to use the emergency room as a walk-in clinic. On-call medical centers (maisons médicales de garde – MMG) and SOS Médecins take over in the evening, at night, and on weekends, with possible home visits (count around €70 per visit, partially reimbursed if you are affiliated).
Pharmacies, medications, and reimbursements: what you need to know
Pharmacies, recognizable by their green cross, are the second pillar of the daily healthcare system. In France, even the most common products (vitamins, bandages, paracetamol) are sold only in pharmacies, never in supermarkets.
The system is highly regulated:
– All medications are behind the counter
– The pharmacist, highly trained, advises, verifies prescriptions, and can refer to a doctor
– For a prescribed medication, you must present the prescription and, ideally, the Carte Vitale
Prices are heavily regulated, making France one of the cheapest countries in Europe for many treatments. As an illustration:
| Product (price before reimbursement) | Indicative range |
|---|---|
| Amoxicillin (antibiotic) | €3–€5 with prescription |
| Ibuprofen 200 mg (30 tablets) | €2–€4 |
| Paracetamol (Doliprane 1000 mg, 8 tablets) | ≈ €2 |
| Birth control pill (1 month) | €2–€10 depending on brand |
| Nasal spray / decongestant | €3–€7 |
| Emergency contraception | €5–€20 |
The level of reimbursement for a medication by la Sécu depends on its medical category, identifiable by a colored sticker on the box:
Percentage covered by Health Insurance for vital medications or those related to Long-Term Conditions (Affections Longue Durée – ALD).
With the Carte Vitale, direct billing (tiers payant) frequently applies: you only pay the non-reimbursed portion. If you also have a mutuelle, the remainder can be fully covered, especially for medications at 65% coverage.
For tourists or new expatriates without local social coverage, medications are paid in full, but their prices often remain reasonable. It is advisable to always ask the pharmacist for the generic version, which is cheaper. Additionally, it is important to keep all receipts to potentially be reimbursed by private insurance.
Foreign prescriptions: a gray area for non-Europeans
Prescriptions issued in an EU or EEA country are in principle valid in other member states. A French pharmacist can therefore dispense a medication based on a German or Italian prescription, provided it contains the necessary information (name, date of birth, medication name using the international nonproprietary name, dosage, etc.).
For prescriptions from non-EU/EEA countries (United States, United Kingdom, Canada, etc.), nothing obliges the pharmacist to accept them. Many will assess case by case, especially if the treatment is essential and clearly identified, but in any case, these dispensations will not entitle you to reimbursement by Social Security. The recommended solution is to have the prescription rewritten by a doctor in France.
Dental, optical, glasses: common budget pitfalls
As in many countries, dental and optical expenses are the ones that generate the most unpleasant surprises if you don’t have good mutuelle coverage.
On the dental side, Social Security generally covers 60% of the conventional rate for simple procedures like scaling, a filling, or an extraction. The base rates are around:
– €29 for scaling
– €26 to €45 for a filling
– €33 for an extraction
Very low official reimbursement base for a ceramic crown, while its actual price ranges from €600 to €1000.
To correct these distortions, the 100% Santé reform established a basket of fully reimbursable prostheses (if you have a compatible mutuelle), with price caps: for example, some metal molar crowns are capped at €500 and fully reimbursed by Sécu + mutuelle. But outside this basket, out-of-pocket costs can remain high.
A consultation with a sector 1 ophthalmologist is reimbursed at 70% by Social Security. For glasses, the 100% Santé reform offers a basket of frames under €30 and Class A lenses, fully reimbursable with a suitable mutuelle. For designer frames or high-end lenses, Social Security reimbursement is low (a few tens of euros) and the rest depends on your supplementary insurance.
For an expatriate, the lesson is clear: if you know you will need major dental work or progressive lenses, it is cost-effective to take out a mutuelle with good coverage limits for these items, or even a dedicated supplementary policy.
Prevention, vaccines, pregnancy: very well-covered areas
One of the strengths of the French system is the importance given to prevention. The vaccination schedule, updated annually by the Ministry of Health based on advice from the Haute Autorité de Santé, applies to all residents, expatriates included.
For adults, it notably includes: regular health check-ups, nutritional status evaluation, the importance of regular physical activity, and follow-up of chronic diseases.
For adults, several boosters and vaccinations are recommended: diphtheria-tetanus-polio boosters at 25, 45, 65 years old and then every 10 years; whooping cough booster around age 25 (essential for close contacts of infants); two doses of MMR vaccine for people born after 1980 who are unvaccinated; annual flu vaccination for those over 65, pregnant women, and at-risk individuals; targeted COVID-19 campaigns, especially in autumn for the elderly or frail; and finally, vaccination against pneumococcus and shingles recommended from age 65.
Many of these vaccines are partially or fully reimbursed by Social Security, and their administration can be carried out not only by doctors, but also by pharmacists, nurses, or midwives from age 11, which greatly simplifies access.
Possible extra fees in a private clinic for childbirth without comprehensive supplementary coverage.
Mental health: a more complex area for expatriates
France has historically invested much more in physical health than in mental health, and the landscape of mental healthcare is often confusing for newcomers.
Overall, you can find:
– Public structures like Medico-Psychological Centers (Centres médico-psychologiques – CMP), free but with long wait times
– Psychiatrists, specialist prescribing doctors, partially covered by la Sécu
– Psychologists and psychotherapists, largely outside reimbursement, except via specific schemes like Mon Soutien Psy
– A varied private offering (therapists, coaches, psychoanalysts) with no framework for coverage by la Sécu, but sometimes reimbursed by some mutuelles
Maximum number of annual sessions with a partner psychologist reimbursed by Health Insurance and mutuelle based on medical referral.
For expatriates, the language barrier obviously complicates access. Many turn to private English-speaking practitioners, especially in large cities like Paris, Lyon, or Nice, where you can find psychologists and psychotherapists trained internationally. Structures dedicated to English speakers, like certain private clinics or psychology centers, offer consultations online and in person.
For crisis situations (suicidal thoughts, acute distress), a national emergency number, 3114, operates 24/7 in French, and lines like SOS Help offer emotional support in English.
Telemedicine and online consultations: a breath of fresh air for English speakers
Telemedicine services have exploded in recent years, and they represent a valuable resource for expatriates, especially in the first few months, when they don’t yet know trusted doctors or have difficulty with medical French.
Several international platforms offer video consultations with English-speaking doctors, for non-urgent problems: minor infections, prescription renewals, minor dermatological issues, general health questions, etc. Players like TravelDoctor EU, Doctorsa, or Mobi Doctor offer, for example:
Discover the main advantages of our medical teleconsultation service, designed for your comfort and security.
Medical consultations available 7 days a week, at controlled prices (starting from around €20 for some).
Doctors registered in the European Union, authorized to issue prescriptions valid in French pharmacies.
Exchanges and follow-up ensured for several days after your consultation for your peace of mind.
Strict GDPR compliance ensuring the protection and confidentiality of your personal data.
This type of service does not replace a trip to the emergency room in case of serious symptoms (severe pain, breathing difficulties, loss of consciousness, etc.), but it can trigger prescriptions for tests, refer you to specialists, or simply reassure you about a minor issue.
Some physical centers oriented towards expatriates, like the American Medical Center Paris, still favor in-person consultations to guarantee the quality of the clinical examination, but offer very flexible appointment booking (WhatsApp, online platforms) and emergency slots.
Many expatriates discover the French healthcare system… through the door of immigration. Holders of certain long-stay visas must indeed undergo a medical examination organized by the French Office for Immigration and Integration (Ofii), after online validation of their VLS-TS.
This visit aims to verify that the stay is compatible with French health requirements, without seeking to exclude frail individuals. It generally includes:
The mandatory immigration medical examination generally includes a general medical check-up, an interview (sometimes supplemented by a mental health questionnaire), and verification of vaccination status. Until recently, a chest X-ray was also systematic, but this requirement has been removed since mid-2024.
At the end, a certificate attesting that the person is “compliant with health requirements” is issued, an essential document for finalizing certain residence permits. Except for extremely serious and contagious diseases (plague, cholera, yellow fever, uncontrolled tuberculosis), the discovery of a health problem does not prevent the stay in France; on the contrary, the Ofii can refer to appropriate care structures.
In parallel, other countries require specific medical examinations in France for their immigration visas: the United States and Australia, for example, have accredited doctors in Paris who perform comprehensive check-ups (clinical exams, X-rays, tests) not covered by French Social Security.
Special cases: tourists, students, retirees
Not all expatriates have the same relationship with the French healthcare system. Three profiles are common.
Tourists, for stays of less than 90 days, are not eligible for PUMA. They absolutely must have travel insurance covering healthcare and repatriation, even if, in a life-threatening emergency, a French hospital will treat them and bill them later. Europeans can use their EHIC/GHIC card, but it does not cover everything, especially not private care.
International students enrolled in a recognized institution must register on the dedicated platform etudiant-etranger.ameli.fr, with student Social Security or the general scheme. Contributions are modest and it is common to take out a low-cost student mutuelle.
Retirees, finally, are a separate category. Nationals of the EU/EEA/UK can transfer their rights via an S1 form issued by their country of origin. Non-European retirees must, for their part, inquire with Cleiss to learn about any bilateral agreements. Many choose to take out international health insurance, at least for the first few years, before entering PUMA, and then keep this coverage to travel regularly between several countries.
Some cost benchmarks for perspective
To concretely measure the impact of the system on an expatriate’s budget, we can summarize some orders of magnitude:
| Expense item | Indicative range |
|---|---|
| Social Security contribution (via social contributions, for an employee) | Approximately 6.5–8% of net salary above a threshold |
| Basic mutuelle for an adult | €30–€50/month |
| Very comprehensive mutuelle | €100–€200/month |
| International health insurance | €50–€300+/month |
| General practitioner consultation sector 1 | €30 |
| Specialist consultation sector 1 (gynecologist, psychiatrist…) | €35–€52 depending on specialty (2026 announced rates) |
| Childbirth in private clinic without insurance | Up to €5,000 |
| Dental crown (outside 100% Santé) | €600–€1,000 (of which €75–€100 reimbursed by la Sécu) |
| Dental implant | €1,200–€2,500 (not reimbursed by la Sécu) |
| Complete progressive glasses | €300–€600 (low Sécu reimbursement, heavily depends on mutuelle) |
For a standard expatriate affiliated with PUMA, with a decent mutuelle, the combination “social security + supplementary insurance” often brings healthcare costs down to a very low level, far below what is known in many Anglo-Saxon countries.
How to reduce unpleasant surprises as an expatriate
The main difficulty when arriving in France is not so much the level of protection but the complexity of the rules. A few habits can avoid most pitfalls:
For a smooth medical transition in France, it is recommended to: secure solid private coverage for the first few months, while PUMA affiliation becomes effective; inquire about reimbursement procedures before a major expense (dental, surgery, glasses); choose a mutuelle suited to your profile (young professional, family with children, person with chronic conditions, etc.); identify local emergency services and call numbers (15, 112) in advance; keep on you a list in French of your allergies, medications, and medical history; identify some English-speaking doctors and structures (international hospitals, private practices) for delicate cases or complex explanations; and use online platforms (Doctolib, Ameli) to navigate the maze of specialists.
Beyond sometimes tedious administrative procedures, the reality is that France offers expatriates a very high standard of care, generally reasonable wait times (despite strains in certain specialties), and healthcare costs that, once the system is mastered, remain remarkably contained.
Mastering this system requires a bit of time, patience, and vocabulary, but the effort is largely rewarded: being well insured and well oriented in healthcare for expatriates in France means laying one of the most concrete foundations for a serene and lasting relocation.
A 62-year-old retiree, with a financial portfolio of over one million euros well structured in Europe, wanted to establish tax residency in France to optimize his tax burden, secure his legal framework, and diversify his investments, while maintaining ties with his country of origin. Budget allocated: €10,000 for comprehensive support (tax advice, administrative formalities, relocation and asset structuring), without forced sale of assets.
After analyzing several attractive destinations (Portugal, Spain, Italy, France), the chosen strategy was to target France for the stability of its legal framework, its extensive tax treaties, its optimization mechanisms (status of impatriate resident, structuring with life insurance, PEA, real estate) and quality of life (Paris, Côte d’Azur, wine regions). The mission included: pre-relocation tax audit (Exit Tax risks, tax treaties), choice of residence location, procedures with Health Insurance, transfer of banking residency, plan for managing tax ties with the former country, connection with a local network (lawyer, notary, accountant, bilingual network) and comprehensive asset integration. This allows benefiting from France’s advantages while mastering tax and inheritance risks.
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Cyril Jarnias is an independent expert in international wealth management with over 20 years of experience. As an expatriate himself, he is dedicated to helping individuals and business leaders build, protect, and pass on their wealth with complete peace of mind.
On his website, cyriljarnias.com, he shares his expertise on international real estate, offshore company formation, and expatriation.
Thanks to his expertise, he offers sound advice to optimize his clients' wealth management. Cyril Jarnias is also recognized for his appearances in many prestigious media outlets such as BFM Business, les Français de l’étranger, Le Figaro, Les Echos, and Mieux vivre votre argent, where he shares his knowledge and know-how in wealth management.
