Health cover/insurance in France
#1
Just Joined
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Joined: Nov 2008
Posts: 6
Health cover/insurance in France
Hey guys! Just wondering what your thoughts were on the best way to go about health insurance etc. I will be coming to France on a British passport for at least a year maybe more, would it be best to get Australian travel insurance for the first year and then take it from there or should i wait to investigate the French options?
Merci beaucoup!!!
Merci beaucoup!!!
#2
Lost in BE Cyberspace
Joined: Apr 2008
Location: Hérault (34)
Posts: 8,883
Re: Health cover/insurance in France
Hey guys! Just wondering what your thoughts were on the best way to go about health insurance etc. I will be coming to France on a British passport for at least a year maybe more, would it be best to get Australian travel insurance for the first year and then take it from there or should i wait to investigate the French options?
Merci beaucoup!!!
Merci beaucoup!!!
#3
Just Joined
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Joined: Nov 2008
Posts: 6
Re: Health cover/insurance in France
Whoops, sorry..... I will be working!
#4
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Joined: Apr 2008
Location: Hérault (34)
Posts: 8,883
Re: Health cover/insurance in France
I'm going away for a week, so a quick reply to say that your company will deduct your French Social Security "contributions" from your salary and you'll be reimbursed for approx. 70% of medical costs. When you arrive, look into all the "Mutuelles" on offer and calculate whether it'll be worthwhile taking out this top-up insurance for 100% reimbursement, for so short a time. Hope this helps!
#5
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Joined: Jan 2008
Location: Gold Coast, Australia
Posts: 363
Re: Health cover/insurance in France
I have only been in France a few months but applied for and recieved a carte vitale pretty quickly even without a job. Now that I have a job I have also taken out a top up insurance (mutuelle) with my bank. This insures that if I were to need treatment, visit a doctor/dentist etc. I would receive all the fees that I pay back. Mutuelles cover a range of % reimbursements...most doctors etc. charge a set fee but some charge more so I have taken out a 150% reimbursement that covers practitioners that decide to charge more thank the set rate. I am a young(ish), healthy woman and my mutuelle is 45 euros per month. Bear in mind that you the securite sociale will only pay a maximum of 70% of any treatment (I think) so if you are faced with a bill of 5,000 euros that still leaved 1,500 euros for you to pay.
#6
Joined: Mar 2007
Posts: 10,551
Re: Health cover/insurance in France
I have only been in France a few months but applied for and recieved a carte vitale pretty quickly even without a job. Now that I have a job I have also taken out a top up insurance (mutuelle) with my bank. This insures that if I were to need treatment, visit a doctor/dentist etc. I would receive all the fees that I pay back. Mutuelles cover a range of % reimbursements...most doctors etc. charge a set fee but some charge more so I have taken out a 150% reimbursement that covers practitioners that decide to charge more thank the set rate. I am a young(ish), healthy woman and my mutuelle is 45 euros per month. Bear in mind that you the securite sociale will only pay a maximum of 70% of any treatment (I think) so if you are faced with a bill of 5,000 euros that still leaved 1,500 euros for you to pay.
#7
Re: Health cover/insurance in France
This is another issue to sort out on my list before we leave England in Mid May for good (woo hoo!).
I can receive my Incap Benefit in France and have just done the form. But I think I need an E121 form to cover me - don't know if this covers all of it, ie the missing 30% as well, or if I will need the top-up - anyone know?
Pete is another matter, and we will need to buy him a health insurance policy of some sort, but still at the research stage. Any suggestions anyone? We do have a bank account with Credit Mutuel and wondered if they do them?
We both currently have the plastic cards which I am presuming cover us for the initial 6 months until we "become" French resident, but is that correct?
I can receive my Incap Benefit in France and have just done the form. But I think I need an E121 form to cover me - don't know if this covers all of it, ie the missing 30% as well, or if I will need the top-up - anyone know?
Pete is another matter, and we will need to buy him a health insurance policy of some sort, but still at the research stage. Any suggestions anyone? We do have a bank account with Credit Mutuel and wondered if they do them?
We both currently have the plastic cards which I am presuming cover us for the initial 6 months until we "become" French resident, but is that correct?
#8
Joined: Mar 2007
Posts: 10,551
Re: Health cover/insurance in France
This is another issue to sort out on my list before we leave England in Mid May for good (woo hoo!).
I can receive my Incap Benefit in France and have just done the form. But I think I need an E121 form to cover me - don't know if this covers all of it, ie the missing 30% as well, or if I will need the top-up - anyone know?
Pete is another matter, and we will need to buy him a health insurance policy of some sort, but still at the research stage. Any suggestions anyone? We do have a bank account with Credit Mutuel and wondered if they do them?
We both currently have the plastic cards which I am presuming cover us for the initial 6 months until we "become" French resident, but is that correct?
I can receive my Incap Benefit in France and have just done the form. But I think I need an E121 form to cover me - don't know if this covers all of it, ie the missing 30% as well, or if I will need the top-up - anyone know?
Pete is another matter, and we will need to buy him a health insurance policy of some sort, but still at the research stage. Any suggestions anyone? We do have a bank account with Credit Mutuel and wondered if they do them?
We both currently have the plastic cards which I am presuming cover us for the initial 6 months until we "become" French resident, but is that correct?
You may find that you have to see an Oversea Assessment Doctor once you are in France, they are very rigorous in the assessment take lots of medical evidence.
#9
Re: Health cover/insurance in France
Great, thanks, that's really helpful. I had better get copies of the personal capability assessment reports I have had - doctor has to come here to me at home on what's called a Domestic Visit as I am "exempt" from going to them due to my diagnosis, and I have evidence of that as well.
What would we do without you!
What would we do without you!
#10
Forum Regular
Joined: Jul 2008
Posts: 59
Re: Health cover/insurance in France
I was under the impression that full state healthcare is granted to EU citizens working in France. Am I mistaken?
#11
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Joined: Mar 2009
Location: Bouches du Rhone (13)
Posts: 263
Re: Health cover/insurance in France
I thought that the huge social charges that employers pay on behalf of their employees (I have heard figures of up to 40% of salary) went towards the provision of healthcare. From what I have read in this thread, this only covers 70% of actual costs and we would need an additional private type insurance as a top up. Am I reading this right?
#12
Joined: Mar 2007
Posts: 10,551
Re: Health cover/insurance in France
I thought that the huge social charges that employers pay on behalf of their employees (I have heard figures of up to 40% of salary) went towards the provision of healthcare. From what I have read in this thread, this only covers 70% of actual costs and we would need an additional private type insurance as a top up. Am I reading this right?
#13
Lost in BE Cyberspace
Joined: Apr 2008
Location: Hérault (34)
Posts: 8,883
Re: Health cover/insurance in France
I'd say, Wait and see.....