Expatriates and non-residents

The fact of residing abroad requires you to declare it to an insurer so as not to pay your contributions for nothing (which is worst: paying for an uninsured risk). Indeed, the place of residence constitutes an essential element of lifestyle habits and the risk taken (or not) in your everyday life. You should know that if you are not careful, a broker with little experience in geographical risks can direct you towards a discount contract without you being covered for the country where you reside.

Valorama first takes into account the country risk, then the price: we choose the insurers which are compatible with the country risk that you declare and then offer the best placed in terms of quality/price ratio.

At Valorama your international profile is completely classic, and good news: very often, taking the country into account has no impact on the price. In 90% of cases, we obtain the guarantees at the best price as for a French person in France (cases which we also regularly insure of course).

Since its creation, Valorama has specialized in the selection of insurance delegations (loan insurance) to satisfy foreign or expatriate borrowers, and generally any investor located outside France or with an atypical profile.

Indeed, general brokers and banks are not accustomed either in terms of guarantees or in terms of process (need for responsiveness and multilingual staff) to cover these customers in a satisfactory manner. At Valorama, international is our passion and we have implemented adapted techniques to respond to our atypical, dynamic or simply international customers.

In the majority of cases, and depending on your age, we can insure you without the need to carry out examinations for amounts greater than 1 million euros, depending on your age of course. So it can go very quickly! IN one day a file can be done.

Our suppliers are selected for their ability to support remote customers in addition to their price and ease of membership. This allows you to avoid often very expensive check-ups abroad, long appointments, blood tests or examinations with doctors who do not know you and do not always understand the reason for a medical check-up.