Health Insurance on arrival

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Health Insurance on arrival


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Old 21st August 2019, 02:26 PM
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Question Health Insurance on arrival

Sorry if this has been answered before but I was unable to find the right place for the details.

I have approached an insurance agency to apply for health car coverage to cover the time between arrival and getting into the French system. They asked me what the minimum coverage required was so as not to over or under provide.

I have tried to get this information from the prefecture but have been unable to do so probably because it's August. Time is of the essence so please can someone point me in the right direction to obtain the figures I need

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Old 21st August 2019, 02:48 PM
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Are you moving before or after Brexit? If before I don't believe there is a specific requirement, rather you need to have sufficient insurance to cover your potential expenses less potentially the amount that you can cover yourself. So, I would suggest cover that gives you essentially/overall 70% of the cost (given that's what CPAM covers in most instances). Of course, that's not always possible if you have pre-existing conditions. I arrived here from Australia on y British passport and took out cover that had lots of exemptions - CPAM had no issue with that, rather they wanted to ensure that I did have cover.

If after, you might need repatriation cover in order to get a visa.

I think someone somewhere on this forum found cover through a French provider.

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Old 21st August 2019, 02:52 PM
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Are you moving before or after Brexit? If before I don't believe there is a specific requirement, rather you need to have sufficient insurance to cover your potential expenses less potentially the amount that you can cover yourself. So, I would suggest cover that gives you essentially/overall 70% of the cost (given that's what CPAM covers in most instances). Of course, that's not always possible if you have pre-existing conditions. I arrived here from Australia on y British passport and took out cover that had lots of exemptions - CPAM had no issue with that, rather they wanted to ensure that I did have cover.

If after, you might need repatriation cover in order to get a visa.

I think someone somewhere on this forum found cover through a French provider.
We are moving first week September and the French provider you refer to is the one I am using. They seem to think there is a minimum but they don't know what it is - doesn't fill me with much confidence to be honest.

OK, more phone calls

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Old 21st August 2019, 02:57 PM
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We are moving first week September and the French provider you refer to is the one I am using. They seem to think there is a minimum but they don't know what it is - doesn't fill me with much confidence to be honest.

OK, more phone calls
TBH I took out the cheapest insurance I could find (not travel insurance though). Can't remember who it was, but it was a UK company.

I have never heard of a 'minimum' cover required for EU citizens and I doubt very much that the Prefecture would be able to assist.

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Old 21st August 2019, 04:00 PM
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I know for visa purposes they seem to require a minimum "maximum cover" of something like 35,000 € or something like that. (The figure might be higher by now - I recall this from someone through here a year or two ago.)

What health cover do you currently have in the UK? (i.e. are you on the NHS?) because if you are, you may be eligible to register immediately with the CPAM on arrival and not have to wait the three months. The fact of your being "EU nationals" as of the date of your arrival may very well play in your favor.

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Old 21st August 2019, 04:10 PM
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I know for visa purposes they seem to require a minimum "maximum cover" of something like 35,000 € or something like that. (The figure might be higher by now - I recall this from someone through here a year or two ago.)

What health cover do you currently have in the UK? (i.e. are you on the NHS?) because if you are, you may be eligible to register immediately with the CPAM on arrival and not have to wait the three months. The fact of your being "EU nationals" as of the date of your arrival may very well play in your favor.
We are on NHS and have applied for the S1 documents to register with CPAM. Last time around it was pretty much immediate - given attestations prior to the CV etc. However, I got the impression that all such applications from Brits were on 'hold' so having private cover was required. Now I'm confused as to whether I need it or not. I suppose I can always wait until we arrive and march off down to the CPAM and if they say we need cover we can get it pretty quick.

Just as an aside, I am working with an English person who specialises in this and she contacted CPAM on my behalf and apparently they can re-use my old Social Security number. I guess we wait and see - not long now

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Old 21st August 2019, 04:51 PM
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No the UK is still part of the EU and so the S1 still applies and even if the UK lives the EU with no deal as long as you have lived in France for 3 months you will still be able to join/remain in CPAM as say Americans can
There is no minimum insurance coverage for EU citizens
So just go to CPAM and register with your S1
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Old 21st August 2019, 05:12 PM
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Originally Posted by Crabtree View Post
No the UK is still part of the EU and so the S1 still applies and even if the UK lives the EU with no deal as long as you have lived in France for 3 months you will still be able to join/remain in CPAM as say Americans can
There is no minimum insurance coverage for EU citizens
So just go to CPAM and register with your S1
Actually once you have joined CPAM with the S1,you will be able to remain in the French system even with no deal and even if the UK opts out of the S1 system. Suggest the OP goes to CPAM on arrival and forgets insurance altogether (proof of address, passport and the S1 will of course be required).
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Old 21st August 2019, 08:23 PM
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What I was trying to say above is that it should be an entirely seamless transition in terms of CPAM cover because
  • The OP submits his S1, which means that the UK pays France for his cover at an agreed rate
  • Thus the OP is covered by the French health system
  • If/once his S1 becomes invalid, he will still be covered and URSSAF will access his subsequent income tax declaration to determine whether he should contribute for his cover - which he won't have to because he will have entered his pension as such on his declaration so he won't receive a bill from URSSAF (although he may have to pay CSG, but that is billed via his tax notice)
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Old 22nd August 2019, 08:55 AM
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Default Thank you all

Thank you all for your replies, you have taken a load off my mind.

This is what this forum is for, a source of helpful advice when needed.

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