Carte Vitale vs S1
#1
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Carte Vitale vs S1
Are the S1 and carte vitale mutually exclusive and in fact 'different streams' of health care provision? I thought S1 led to carte vitale, but...
I've just heard this info from a friend and would appreciate if someone could clarify..
Let's assume UK pensioner with full pension goes to France:
A) With S1, so doesn't qualify for a carte vitale. So must pay full medical fees up front and submit to UK (I think I got that bit right) who will reimburse.
B) Same pensioner (or just before) gets carte vitale (maybe via AE route), so only pays the basic visit fee or whatever, plus a mutuelle top-up. Doesn't need an S1 and France covers the costs.
Is this basically correct?
I've just heard this info from a friend and would appreciate if someone could clarify..
Let's assume UK pensioner with full pension goes to France:
A) With S1, so doesn't qualify for a carte vitale. So must pay full medical fees up front and submit to UK (I think I got that bit right) who will reimburse.
B) Same pensioner (or just before) gets carte vitale (maybe via AE route), so only pays the basic visit fee or whatever, plus a mutuelle top-up. Doesn't need an S1 and France covers the costs.
Is this basically correct?
#2
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Location: Le Rove
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Re: Carte Vitale vs S1
How do you get a carte vitale? I'm European, British so I'm told I don't have to register as resident here. I'm not married to a French man, I'm not a property owner in France, I don't have a contract of work, I'm over the age of 40. How do I get a doctor here and how can I get the carte vitale?
#3
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Re: Carte Vitale vs S1
Um...don't want to seem selfish, but get yer own thread...!
#4
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Re: Carte Vitale vs S1
Oh I'm sorry how do I get a thread? I'm totally new to this so I have no idea what I'm doing. I didn't mean to cause offence. Excuse me
#5
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Joined: Sep 2014
Posts: 331
Re: Carte Vitale vs S1
How do you get a carte vitale? I'm European, British so I'm told I don't have to register as resident here. I'm not married to a French man, I'm not a property owner in France, I don't have a contract of work, I'm over the age of 40. How do I get a doctor here and how can I get the carte vitale?
You just pay your way. 23 Euros for a doctors appointment. It is not bad value to be fair and you can in most cases get one within 48 hrs. Not two months like the UK.
#6
Re: Carte Vitale vs S1
We all make a few mistakes sometimes, not to worry. But for the record: On many forums, the general etiquette is to make a first post on the 'Introductory' thread, or open a new thread. Otherwise coming in directly on the thread of someone else, is akin to barging in to a private room or conversation without being invited.
To open a new thread, when on the Europe/France forum, you simply click on the 'New Thread' box, give it a title, and off you go.
#7
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Re: Carte Vitale vs S1
How do you get a carte vitale? I'm European, British so I'm told I don't have to register as resident here. I'm not married to a French man, I'm not a property owner in France, I don't have a contract of work, I'm over the age of 40. How do I get a doctor here and how can I get the carte vitale?
Any one can visit a Doctor and pay his/her fee and subsequent treatment - reimbursement depends on how you're insured.
#8
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Joined: Apr 2008
Location: Hérault (34)
Posts: 8,888
Re: Carte Vitale vs S1
Are the S1 and carte vitale mutually exclusive and in fact 'different streams' of health care provision? I thought S1 led to carte vitale, but...
I've just heard this info from a friend and would appreciate if someone could clarify..
Let's assume UK pensioner with full pension goes to France:
A) With S1, so doesn't qualify for a carte vitale. So must pay full medical fees up front and submit to UK (I think I got that bit right) who will reimburse.
B) Same pensioner (or just before) gets carte vitale (maybe via AE route), so only pays the basic visit fee or whatever, plus a mutuelle top-up. Doesn't need an S1 and France covers the costs.
Is this basically correct?
I've just heard this info from a friend and would appreciate if someone could clarify..
Let's assume UK pensioner with full pension goes to France:
A) With S1, so doesn't qualify for a carte vitale. So must pay full medical fees up front and submit to UK (I think I got that bit right) who will reimburse.
B) Same pensioner (or just before) gets carte vitale (maybe via AE route), so only pays the basic visit fee or whatever, plus a mutuelle top-up. Doesn't need an S1 and France covers the costs.
Is this basically correct?
And the Mutuelle top-up would be advisable however the Carte Vitale is obtained, as Retirees tend to consult more often, and several sessions of physio, for example, or all the various examinations, would otherwise take a big chunk out of their income. Unless the Doctor has declared an ailment to be 100% reimbursable, the Carte Vitale only reimburses up to 70% of the bills, which is why most French people take out a Mutuelle to reimburse the other 30%.
#9
Re: Carte Vitale vs S1
Hi, your situation is different from JWL's. You must take out private health insurance if you aren't working or aren't in receipt of a UK State Pension. I believe it's compulsory to have healthcare coverage, either by being in the French System via work, Pension or "dependency", or having private insurance. The "inactifs" members of the forum can recommend a few companies.
Any one can visit a Doctor and pay his/her fee and subsequent treatment - reimbursement depends on how you're insured.
Any one can visit a Doctor and pay his/her fee and subsequent treatment - reimbursement depends on how you're insured.
#10
Re: Carte Vitale vs S1
I stand to be corrected, but surely the S1 qualifies a Pensioner for a Carte Vitale, and he/she is treated like a French person and the reimbursement is transferred to their (French) bank account? No need to become an AE and pay the côtisations....
And the Mutuelle top-up would be advisable however the Carte Vitale is obtained, as Retirees tend to consult more often, and several sessions of physio, for example, or all the various examinations, would otherwise take a big chunk out of their income. Unless the Doctor has declared an ailment to be 100% reimbursable, the Carte Vitale only reimburses up to 70% of the bills, which is why most French people take out a Mutuelle to reimburse the other 30%.
And the Mutuelle top-up would be advisable however the Carte Vitale is obtained, as Retirees tend to consult more often, and several sessions of physio, for example, or all the various examinations, would otherwise take a big chunk out of their income. Unless the Doctor has declared an ailment to be 100% reimbursable, the Carte Vitale only reimburses up to 70% of the bills, which is why most French people take out a Mutuelle to reimburse the other 30%.
BTW dmu apologies for refernecing your reply to dante - simple click error!
#11
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Re: Carte Vitale vs S1
So, is it S1 AND Carte Vitale or...? Aren't there any BEers with 100% experience of this and definitive answer?
dmu, that's what I would think also, but still would like to be absolutely sure from others with actual experience of this.
dmu, that's what I would think also, but still would like to be absolutely sure from others with actual experience of this.
#12
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Re: Carte Vitale vs S1
Moving abroad - Healthcare abroad - NHS Choices
#13
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Re: Carte Vitale vs S1
If no one on the forum can reply from experience (I was replying from what I've learnt on the forum), then ring the number in the link below in order to be absolutely sure.
Moving abroad - Healthcare abroad - NHS Choices
Moving abroad - Healthcare abroad - NHS Choices
Thanks dmu, that's a useful site, but there are so many variables in this health cover topic compounded by France vs UK authorities' knowledge of each others' system. I was hoping for direct experience of BEers.
Don't you all/mostly have Carte Vitale and or S1? I'm surprised it seems to be harder than I thought to get real first-hand experience on this.
#14
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Joined: Apr 2008
Location: Hérault (34)
Posts: 8,888
Re: Carte Vitale vs S1
Thanks dmu, that's a useful site, but there are so many variables in this health cover topic compounded by France vs UK authorities' knowledge of each others' system. I was hoping for direct experience of BEers.
Don't you all/mostly have Carte Vitale and or S1? I'm surprised it seems to be harder than I thought to get real first-hand experience on this.
Don't you all/mostly have Carte Vitale and or S1? I'm surprised it seems to be harder than I thought to get real first-hand experience on this.
I personally obtained mine last century when it was created, by dint of working here, and can't advise further....
#15
Re: Carte Vitale vs S1
JWl I think part of the problem may be that the rules have changed since most of us got our S1s or Cartes Vitales, and we are not necessarily entirely sure now.
I came here with a Workers S1, because I was still working a couple of days a month in the UK and paying NI. This was renewed every year until I stopped working in 2013. I should then have been entitled to a further two years coverage, due to my NI record in the previous three years.
This last no longer exists. Early retirees must pay for their own private cover until..
THEY REACH S.P.A.
When they reach S.P.A. they then receive an S1 from Newcastle which you present to CPAM, and they then will issue you with a Carte Vitale. It may take a while, but it does magically appear in the letterbox.I believe that in practice, your health cover in France then commences from the date of your S.P.A.
You can of course still continue to work in the UK, and receive a workers' S1, but I would have thought that would unnecessarily complicate the issue. Probably better to present your pension notes from Newcastle to CPAM.
If your spouse reaches S.P.A. before you do, s/he will receive a Carte Vitale in the same way, and the other half can piggy back on that.
I think that is correct and hope it helps
I came here with a Workers S1, because I was still working a couple of days a month in the UK and paying NI. This was renewed every year until I stopped working in 2013. I should then have been entitled to a further two years coverage, due to my NI record in the previous three years.
This last no longer exists. Early retirees must pay for their own private cover until..
THEY REACH S.P.A.
When they reach S.P.A. they then receive an S1 from Newcastle which you present to CPAM, and they then will issue you with a Carte Vitale. It may take a while, but it does magically appear in the letterbox.I believe that in practice, your health cover in France then commences from the date of your S.P.A.
You can of course still continue to work in the UK, and receive a workers' S1, but I would have thought that would unnecessarily complicate the issue. Probably better to present your pension notes from Newcastle to CPAM.
If your spouse reaches S.P.A. before you do, s/he will receive a Carte Vitale in the same way, and the other half can piggy back on that.
I think that is correct and hope it helps