Mutuelle Health insurance recommendations

Go Back   Expat Forum For People Moving Overseas And Living Abroad > Europe > France Expat Forum for Expats Living in France

France Expat Forum for Expats Living in France Welcome to the France Expat forum. This is the place to meet like minded people who have made France their new home. This forum is ideal for those who have moved to France and those thinking about making France their new home.

Mutuelle Health insurance recommendations


Reply
 
Subscribe to this Thread Thread Tools
  #1 (permalink)  
Old 12th November 2019, 02:22 PM
New Member
 
Join Date: Nov 2019
Posts: 2
Rep Power: 0
Brncptn1 is on a distinguished road

Default Mutuelle Health insurance recommendations

I'm moving to the Charente soon and will be setting up a B&B business. With Micro-entrepreneur status I understand I will get access into the French Healthcare system and be entitled to the Card Vitale. I'm a bit unsure as to whether my partner will also qualify as we aren't married so perhaps we need to arrange a PACS (Civil Union). Any advice would be greatly appreciated?

In order to top up the state insurance I understand that I will need Mutuelle. However most of the expat forums seem to point us at the bigger worldwide private Health Care policies which are very expensive (Cheapest 440 euro per month) and seem to be way in excess of we need. We are both 55 and in good health! Can anyone recommend any Mutuelles that can provide more reasonable top-up levels of insurance ? How much do you think we should pay for reasonable cover ?

Thanks in anticipation !

Reply With Quote Quick reply to this message
  #2 (permalink)  
Old 12th November 2019, 02:40 PM
Member
 
Join Date: Oct 2017
Location: Between Cannes and Grasse
Posts: 636
Rep Power: 0
berkinet is on a distinguished road
309 likes received
401 likes given

Users Flag! Originally from usa. Users Flag! Expat in france.
Default

Actually, you and your partner will both become eligible for the french healthcare system (carte vitale) after 90 days of residency in france. Your business or employment status will not normally affect that eligibility.

BTW, the global coverage policies you were pointed to sound like total insurance plans, not top-up Mutuelle plans. Try this site for a list of available Mutuelle plans. https://www.lecomparateurassurance.com


Last edited by berkinet; 12th November 2019 at 02:53 PM.
Reply With Quote Quick reply to this message
  #3 (permalink)  
Old 12th November 2019, 03:19 PM
Bevdeforges's Avatar
Super Moderator
 
Join Date: Nov 2007
Location: deepest, darkest Essonne
Posts: 46,156
Rep Power: 23272
Bevdeforges has a reputation beyond reputeBevdeforges has a reputation beyond reputeBevdeforges has a reputation beyond reputeBevdeforges has a reputation beyond reputeBevdeforges has a reputation beyond reputeBevdeforges has a reputation beyond reputeBevdeforges has a reputation beyond reputeBevdeforges has a reputation beyond reputeBevdeforges has a reputation beyond reputeBevdeforges has a reputation beyond reputeBevdeforges has a reputation beyond repute
9649 likes received
1287 likes given

Users Flag! Originally from usa. Users Flag! Expat in france.
Default

Quote:
Originally Posted by berkinet View Post
Actually, you and your partner will both become eligible for the french healthcare system (carte vitale) after 90 days of residency in france. Your business or employment status will not normally affect that eligibility.
Yes, but... as always there are a few "catches."

If you go the micro-entreprise route, then your partner isn't automatically covered by your sÚcu enrollment. You would need to be married or PACS'd. France doesn't recognize "de facto" partnerships at this stage.

And, as far as I know, to qualify for the "automatic" healthcare cover after 90 days of residence, you need to establish your legal residence in France (which often includes having to have a "statut" - working, student or "inactif") and I believe you have to show that you have health insurance of some variety when you first apply for CPAM cover after those first 90 days. This page from Service Public explains things for the various categories of foreigners: https://www.service-public.fr/partic...sdroits/F12859

When you register your micro-entreprise, that's when you are signed up for health insurance and the other social insurances, and I think that's when you are offered a choice of mutuelle for that additional coverage.

Reply With Quote Quick reply to this message
Sponsored Links
Advertisement
 
  #4 (permalink)  
Old 12th November 2019, 03:36 PM
Member
 
Join Date: May 2010
Location: Pau
Posts: 14,541
Rep Power: 4581
EverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond repute
5523 likes received
9177 likes given

Users Flag! Originally from france. Users Flag! Expat in france.
Default

Just remember that the days of establishing a little business and paying health contributions solely based on that income are long gone. You declare all your income when you declare tax and URSSAF will take your total income into account and send you a bill for the difference (if there is one).

Mutuelle cover depends entirely on what you are looking for. There are over 500 mutuelles in France? If you really want to achieve the best value that meets your specific needs, I suggest you subscribe to the consumer association UFC-que choisir, and search mutuelle (their latest research was done in 2019).

Reply With Quote Quick reply to this message
  #5 (permalink)  
Old 12th November 2019, 05:11 PM
New Member
 
Join Date: Nov 2019
Posts: 2
Rep Power: 0
Brncptn1 is on a distinguished road

Default

Thanks for all the replies so far ! I've had a look at some of the comparison tools mentioned and it's given me a much clearer idea of what to expect cost wise for a Mutuelle! All of the other information regarding Micro-entrepreneur status and the status of my partner is useful too

Reply With Quote Quick reply to this message
  #6 (permalink)  
Old 12th November 2019, 06:44 PM
Member
 
Join Date: May 2010
Location: Pau
Posts: 14,541
Rep Power: 4581
EverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond reputeEverHopeful has a reputation beyond repute
5523 likes received
9177 likes given

Users Flag! Originally from france. Users Flag! Expat in france.
Default

Quote:
Originally Posted by Brncptn1 View Post
Thanks for all the replies so far ! I've had a look at some of the comparison tools mentioned and it's given me a much clearer idea of what to expect cost wise for a Mutuelle! All of the other information regarding Micro-entrepreneur status and the status of my partner is useful too
Watch out for those comparison tools - I know of a great many people who have used them, only to find that when they go for their personal quote with the chosen mutuelle/s, the cost is far higher.

Reply With Quote Quick reply to this message
  #7 (permalink)  
Old 13th November 2019, 04:40 PM
Member
 
Join Date: Aug 2014
Location: Brittany
Posts: 1,021
Rep Power: 149
Crabtree is on a distinguished road
406 likes received
107 likes given

Users Flag! Originally from uk. Users Flag! Expat in france.
Default

Also be aware that if you are not married then if one of you dies then the partner will have to pay inheritance tax at 60% Even if you are PACSED you need to make a will/declaration to ensure your partner does not have to pay IHT You can also make a declaration to have your assets in France dealt with in accordance with the inheritance law of your "home" country Get advice from your notaire as to the best regime for buying and IHT
I assume that you are not eligible for an S1?

Reply With Quote Quick reply to this message
Reply


Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Expat Forum For People Moving Overseas And Living Abroad forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:
Location
Where you live
Expat From Country
Please select the country you originate from. This will appear as a flag when you make posts on the site.
Expat To Country
Please select the country you have either moved to or want to relocate to. This will be presented on the site when you make posts.

Log-in


Thread Tools

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


FORUM PARTNERS

ExpatForum.com is owned and operated by VerticalScope Inc.

Retiring Overseas Guides | Moving Overseas Guides | Cost of Living | Health Care Guides


All times are GMT. The time now is 09:02 AM.


Powered by vBulletin®
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO
vBulletin Security provided by vBSecurity v2.2.2 (Pro) - vBulletin Mods & Addons Copyright © 2019 DragonByte Technologies Ltd.