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Forum Read Message
| Subject: |
Cost of health insurance |
| Date: |
Friday, January 19, 2007 |
| Name: |
Debra |
| Message: |
Hello, Does anyone have experiance with private health insurance? in France? Trying to figure in a ball-park figure with other monthly expenses.
Thanks, Debra
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Replies Posted 12.
| Name |
Debra |
| Message |
Hi everyone, Thanks to all for your input. I had heard once that we needed the insurance to get a visa, but wasn't sure if this was acurrate info. We hope, by the time we are ready to move in a couple of years, that we will have dual-citizenship with Italy, which we are working on now.I suppose this poses a whole new qustion--what would I need to enter France with EU citizenship if we do indeed get it?
We'd just like to know our options either way. Dual citizenship with Italy/EU, would change things as far as residing in France and the coverage we would need?
Thank you all for the helpful links also.
Debra
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| Name |
Robert de Saint-Ormonde |
| Message |
Exclusive Healthcare SA will provide the necessary insurance document to obtain the visa de long sejour and then provide 'mutuelle' cover after you have been in France three months and are participating in the CMU. www.exclusivehealthcare.com
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| Name |
Robert de Saint-Ormonde |
| Message |
Correction: CMU = Couverture Maladie UNIVERSELLE. Sorry...
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| Name |
samantha |
| Message |
What Lorie said is true, many expats (including retired Americans moving to France), often have to have proof of International Health Insurance before being given a visa because France does not want them being a drain on the sécu since they will not be working nor contributing to the system.
Have you tried checking with www.globalinsurancenet.com ? It's a company that I've seen American expats mention quite frequently on other sites.
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| Name |
ROBERT DE SAINT-ORMONDE |
| Message |
The 'mutuelle' is an insurance cover supplemental to the state insurance. Those who are employed are usually subscribed automatically to a mutuelle associated with their employment or profession. Those who are not employed - retirees, for example - may subscribe to other mutuelles; the CPAM (the social security office where one subscribes to state insurance) will be able to suggest relevant mutuelles. CMU (couverture maladie mutuelle) is the system that enables those who are not employed or otherwise a part of the normal social security system to participate in the state insurance scheme. The insured pays 8% of total personal revenue above a stipulated 'floor' and in return receives exactly the same medical insurance cover as a person who is employed and insured in the regular way. The documents received from the CPAM with the 'Carte Vitale' are then presented to the prefecture as proof of insurance cover when renewing the carte de sejour. I have understood that subscribing to this cover is compulsory for those who are legally resident in France for at least three months and who are not employed or otherwise covered by the social security system, but after reading Lori's comment I concede that there are probably exceptions to the rule. See http://www.cmu.fr/site/index.php4
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| Name |
Lori |
| Message |
Just to clarify, when I said, I have read what you wrote, I didn't mean you specifically, just the info. in general. I'm not awake yet.
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| Name |
Lori |
| Message |
Robert - just FYI, my Schengen Visa did not have those rules. It really depends upon how you enter France and your current nationality. In fact, I had to (and have to) PROVE I have private insurance coverage and will NOT need French cover. I have to provide a copy of the Insurance Policy every year (among other things) when I renew my Carte de Sejour. I also have to state that I will not take a job and the carte de sejour notes on it that I am not allowed to work. After five years of living here, I now have the right to apply for a change in my residency status. Then, I can join the systems. Again, that is a choice, not a requirement.
I have read what you wrote many times on many forums, but it isn't true for all entries into France. I am living proof. Many factors come into play.
Just FYI.
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| Name |
Debra |
| Message |
Robert, if I may ask one more question....then the "mutuelle" is a type of insurance also?
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| Name |
Debra |
| Message |
Robert, thank you very much for you very helpful reply. That is indeed good news!
Debra
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| Name |
Robert de Saint-Ormonde |
| Message |
Anyone who has been in France legally for three months or more is obliged by law to subscribe to the French national health care system. It is not optional. One would then also subscribe to a 'mutuelle' and have virtually total health care insurance cover. It is an excellent arrangement and no further insurance cover is necessary.
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| Name |
Debra |
| Message |
Hi Samantha, My husband and I will be retired and not working. I was refering to private International Health Care Insurance. We would need coverage for myself and my husband.
Thanks!
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| Name |
samantha |
| Message |
It depends - will you be working or contributing to the French Health care system at all, or are you talking about private International health insurance?
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