Private medical Insurance and registering with the Doctor in France
#1
Just Joined
Thread Starter
Joined: Oct 2010
Location: Kent
Posts: 19
Private medical Insurance and registering with the Doctor in France
Hi
Can anyone help me ?
We are moving to France and have been provided with private medical insurance by my husbands company. I will not be working but will still need to obtain repeat prescriptions and also due to us having 2 children we will need to register with a Doctor. Can anyone advise whether we will still need to get the top up insurance to cover the Carte Vital or will it be covered by the Private medical insurance ?
Very confused by what we need to bring and do when we arrive !!
Thanks
Jane
Can anyone help me ?
We are moving to France and have been provided with private medical insurance by my husbands company. I will not be working but will still need to obtain repeat prescriptions and also due to us having 2 children we will need to register with a Doctor. Can anyone advise whether we will still need to get the top up insurance to cover the Carte Vital or will it be covered by the Private medical insurance ?
Very confused by what we need to bring and do when we arrive !!
Thanks
Jane
#2
Re: Private medical Insurance and registering with the Doctor in France
Hi
Can anyone help me ?
We are moving to France and have been provided with private medical insurance by my husbands company. I will not be working but will still need to obtain repeat prescriptions and also due to us having 2 children we will need to register with a Doctor. Can anyone advise whether we will still need to get the top up insurance to cover the Carte Vital or will it be covered by the Private medical insurance ?
Very confused by what we need to bring and do when we arrive !!
Thanks
Jane
Can anyone help me ?
We are moving to France and have been provided with private medical insurance by my husbands company. I will not be working but will still need to obtain repeat prescriptions and also due to us having 2 children we will need to register with a Doctor. Can anyone advise whether we will still need to get the top up insurance to cover the Carte Vital or will it be covered by the Private medical insurance ?
Very confused by what we need to bring and do when we arrive !!
Thanks
Jane
In your situation I would doubt that you need to take out additional private medical insurance, but be sure to get this confirmed by the HR department of your husband's company.
Last edited by Tweedpipe; Oct 10th 2011 at 12:21 pm.
#3
Forum Regular
Joined: Jul 2007
Location: 61 Normandy
Posts: 297
Re: Private medical Insurance and registering with the Doctor in France
Hi
Can anyone help me ?
We are moving to France and have been provided with private medical insurance by my husbands company. I will not be working but will still need to obtain repeat prescriptions and also due to us having 2 children we will need to register with a Doctor. Can anyone advise whether we will still need to get the top up insurance to cover the Carte Vital or will it be covered by the Private medical insurance ?
Very confused by what we need to bring and do when we arrive !!
Thanks
Jane
Can anyone help me ?
We are moving to France and have been provided with private medical insurance by my husbands company. I will not be working but will still need to obtain repeat prescriptions and also due to us having 2 children we will need to register with a Doctor. Can anyone advise whether we will still need to get the top up insurance to cover the Carte Vital or will it be covered by the Private medical insurance ?
Very confused by what we need to bring and do when we arrive !!
Thanks
Jane
If your husband's company is providing full private health insurance, then you would need to pay for any treatment/medication and then submit the receipts to the insurance company. Also, check carefully what is covered.
#4
Just Joined
Thread Starter
Joined: Oct 2010
Location: Kent
Posts: 19
Re: Private medical Insurance and registering with the Doctor in France
Definitely check with the HR dept at your husband's company. Your post implies you have a Carte Vitale - if so, then it is your husband's social security contributions that mean you are entitled to the Carte Vitale, you may also have a mutuelle/top-up through the company as well. If so, everything should be covered automatically.
If your husband's company is providing full private health insurance, then you would need to pay for any treatment/medication and then submit the receipts to the insurance company. Also, check carefully what is covered.
If your husband's company is providing full private health insurance, then you would need to pay for any treatment/medication and then submit the receipts to the insurance company. Also, check carefully what is covered.
Part of the confusion is that my husband will be working in Geneva but we are living in France. I'll start with the Insurance company and go from there !
Jane
#5
Just Joined
Joined: Oct 2011
Location: living in Manchester but moving to Normandy
Posts: 4
Re: Private medical Insurance and registering with the Doctor in France
Hi
we're looking at moving to Normandy next year without company health care, does anybody have any recomendations on the best health care to buy or can we use the EHIC card?
thanks for any help
we're looking at moving to Normandy next year without company health care, does anybody have any recomendations on the best health care to buy or can we use the EHIC card?
thanks for any help
#6
Forum Regular
Joined: Jul 2007
Location: 61 Normandy
Posts: 297
Re: Private medical Insurance and registering with the Doctor in France
You cannot use the EHIC if you become resident in France. If you are currently working you can ask the DWP if you qualify for an S1 form which will provide cover under the French healthcare system for a period of time (up to 2 years, depending on your NI contributions). Other ways into the French health system are to work or run a business. The final alternative is full private healthcare which I believe can cost in the region of €3000 per person per year.
#7
Just Joined
Joined: Oct 2011
Location: living in Manchester but moving to Normandy
Posts: 4
Re: Private medical Insurance and registering with the Doctor in France
thanks for the reply, we intend to buy a renovation project and let a gite or 2 (we have a building business here so are going into it with our eyes open (except for the healthcare )
do you know if there is a big cost involved if we go as running a business? I'm trying to find out as much as I can before we seek professional assistance
thanks
do you know if there is a big cost involved if we go as running a business? I'm trying to find out as much as I can before we seek professional assistance
thanks
#8
Lost in BE Cyberspace
Joined: Apr 2008
Location: Hérault (34)
Posts: 8,883
Re: Private medical Insurance and registering with the Doctor in France
thanks for the reply, we intend to buy a renovation project and let a gite or 2 (we have a building business here so are going into it with our eyes open (except for the healthcare )
do you know if there is a big cost involved if we go as running a business? I'm trying to find out as much as I can before we seek professional assistance
thanks
do you know if there is a big cost involved if we go as running a business? I'm trying to find out as much as I can before we seek professional assistance
thanks
Some one will come along to say whether the "one-man's" spouse is also covered for the social security, which only covers about 70% of medical expenses, so you'll have to get a Mutuelle (top-up insurance) for the other 30% which can cost up to 150€ a month for a couple.
Hope this helps!
#9
Just Joined
Joined: Oct 2011
Location: living in Manchester but moving to Normandy
Posts: 4
Re: Private medical Insurance and registering with the Doctor in France
this has helped greatly, thank you so much, I didn't expect health care to cost quite so much, naively thought that the NHS was now available for Brits in Europe.
is there any other thing else we may have overlooked, that you don't really find out until you get there, do you think?
thank you
is there any other thing else we may have overlooked, that you don't really find out until you get there, do you think?
thank you
#10
Forum Regular
Joined: Jul 2007
Location: 61 Normandy
Posts: 297
Re: Private medical Insurance and registering with the Doctor in France
this has helped greatly, thank you so much, I didn't expect health care to cost quite so much, naively thought that the NHS was now available for Brits in Europe.
is there any other thing else we may have overlooked, that you don't really find out until you get there, do you think?
thank you
is there any other thing else we may have overlooked, that you don't really find out until you get there, do you think?
thank you
Do a lot of research before taking the plunge. Many people advise that you will need enough money to live on for 3 years whilst starting a business in France, in order to get you through.
This site may help explain how things work
http://thenakedaccountant.wordpress....s-to-start-up/
#11
Lost in BE Cyberspace
Joined: Apr 2008
Location: Hérault (34)
Posts: 8,883
Re: Private medical Insurance and registering with the Doctor in France
I suggested the Auto-Entrepreneur route as it's the simplest for a start-up company.
As mentioned above, the social charges are horrendous for any other type of company, you'd pay 50% of your declared salary in "côtisations" before you could start paying yourself. A couple can survive on a monthly income of 1000€, so you'd have to bill (and be paid) nearly 2000€ per month to cover these côtisations, professional insurance, overheads, accountant's fees (indispensable), etc.., not to mention the initial capital to be put up. I used to have an Sàrl (limited liability company) and I know...
You may do well to consult an Expert-Comptable who would advise you about the best business structure to choose....
I'd also recommend researching carefully into the potential market for your business. If Normandie is anything like the Languedoc, there'll be a lot of competition from established French (and European) builders and your French must be adequate to compete with them (and deal with the inevitable bureaucracy!). You must also know the French standards which are sometimes quite different from the UK.
Hope this isn't too offputting, but forewarned is forearmed!
#12
Just Joined
Joined: Oct 2011
Location: living in Manchester but moving to Normandy
Posts: 4
Re: Private medical Insurance and registering with the Doctor in France
thanks for the replies, we've still got a year to plan and this has been really helpful, lots to think about
#13
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Joined: Mar 2008
Location: SE Dordogne France
Posts: 982
Re: Private medical Insurance and registering with the Doctor in France
Frankly, without further regular income to rely on, I think you will find it very difficult to earn a living out of a couple of Gites !
If you are saying that you are self employed in UK ("we have a building business here") then different rules can apply to your S1 entitlement and it may be limited to only 1 year but whatever it's duration starting a business in France will automatically void it.
If you are saying that you are self employed in UK ("we have a building business here") then different rules can apply to your S1 entitlement and it may be limited to only 1 year but whatever it's duration starting a business in France will automatically void it.
#14
Re: Private medical Insurance and registering with the Doctor in France
Hi, google or make a forum search for "auto-entrepreneurs" - this is a one-man start-up business with limited turnover, which gives social security cover and fiscal advantages (at the beginning).
Some one will come along to say whether the "one-man's" spouse is also covered for the social security, which only covers about 70% of medical expenses, so you'll have to get a Mutuelle (top-up insurance) for the other 30% which can cost up to 150€ a month for a couple.
Hope this helps!
Some one will come along to say whether the "one-man's" spouse is also covered for the social security, which only covers about 70% of medical expenses, so you'll have to get a Mutuelle (top-up insurance) for the other 30% which can cost up to 150€ a month for a couple.
Hope this helps!
Article info HERE.