Free French healthcare with just a UK state pension?

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Free French healthcare with just a UK state pension?


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Old 1st February 2011, 09:41 PM
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Default Free French healthcare with just a UK state pension?

My wife and I are thinking of selling our cottage in England and buying a property in Limousin.

Our assets will be the monies from the sale of our English home, which obviously we will partly use to buy another property, our modest savings and our UK state pensions, we each have our own.

Do we qualify for free healthcare under the French system?

There seem to be so many conflicting opinions, but mostly people talk as if one has a private pension, which we do not.

Any advice or assistance would be most gratefully appreciated.

Thanks.

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Old 2nd February 2011, 01:05 AM
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Quote:
Originally Posted by georgesmiley View Post
My wife and I are thinking of selling our cottage in England and buying a property in Limousin.

Our assets will be the monies from the sale of our English home, which obviously we will partly use to buy another property, our modest savings and our UK state pensions, we each have our own.

Do we qualify for free healthcare under the French system?

There seem to be so many conflicting opinions, but mostly people talk as if one has a private pension, which we do not.

Any advice or assistance would be most gratefully appreciated.
If you get state pension from another EU country like UK, you will be covered under French secu (state health insurance and social security) on the same term as French nationals.
Apply for S1 (previously E121) from International Pension Centre in Newcastle and submit to your local CPAM (state sickness insurance) office in France, with your passport and evidence of residence (such as utility bill) to get your carte vitale (medical card).

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Old 2nd February 2011, 07:10 AM
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France doesn't have "free" health care like they do in the UK. As Joppa says, you'll be covered for the national health program, which means about 70% of the standard fees. The French system is reimbursement - which means that you pay the doctor, the lab, etc. and then collect your reimbursement from the State system (normally deposited directly into your bank account).

For the part the Sécu doesn't cover, you normally take out a "mutuelle" (top-up insurance) for which you pay yourself - usually something like 50 - 100€ per person per month. You can find a mutuelle that covers dental care and eyeglasses to a greater or lesser extent, depending on your needs. And some mutuelles offer all sorts of extra benefits (like paying above and beyond the State fee schedule).
Cheers,
Bev

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Old 2nd February 2011, 10:34 AM
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Quote:
Originally Posted by georgesmiley View Post
My wife and I are thinking of selling our cottage in England and buying a property in Limousin.

Our assets will be the monies from the sale of our English home, which obviously we will partly use to buy another property, our modest savings and our UK state pensions, we each have our own.

Do we qualify for free healthcare under the French system?

There seem to be so many conflicting opinions, but mostly people talk as if one has a private pension, which we do not.

Any advice or assistance would be most gratefully appreciated.

Thanks.
Hi,
As has been said , as pensioners you will qualify for the same cover as a french citizen , which is not 100%. However, if your total resources are less than about 11282€ p.a. (940€ p.m.)(2010 figs.) you can apply for the" mutuelle complementaire" (via CPAM) which added to your basic cover, gives in effect 100% cover.

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Old 2nd February 2011, 09:21 PM
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Thank you very much, Joppa, most helpful.

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Old 2nd February 2011, 09:25 PM
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Thanks Bev, very informative.
Does the fact that we are pensioners and have to have prescriptions drugs etc 'load' the premium of said mutuelle's, so it would be more than your top figure do you know?

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Old 2nd February 2011, 09:28 PM
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Thats very interesting with regard to the mutuelle complementaire Parsnips, for we are not rich folk, so I shall endevour to find the limit for 2011.
Thank you very much indeed.

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Old 2nd February 2011, 10:55 PM
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Quote:
Originally Posted by georgesmiley View Post
Thanks Bev, very informative.
Does the fact that we are pensioners and have to have prescriptions drugs etc 'load' the premium of said mutuelle's, so it would be more than your top figure do you know?
Your premium isn't loaded for pre-existing medical conditions, but depends solely on your age and level of cover. Some policies cover more than the 20-30% that the Sécu doesn't reimburse, and include daily hospital charges, extra treatment fees, private rooms and so on. As the mutuelle isn't cheap, you need to work out the cost of actually bearing your own costs against the premium. There is a handy premium comparison site like Mutuelle - Comparateur mutuelle santé, devis assurance santé.

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Old 3rd February 2011, 06:54 AM
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Quote:
Originally Posted by georgesmiley View Post
Thanks Bev, very informative.
Does the fact that we are pensioners and have to have prescriptions drugs etc 'load' the premium of said mutuelle's, so it would be more than your top figure do you know?
Being pensioners doesn't "load" your mutuelle costs. The prices are generally quoted as x per month per adult and y per minor (usually about half price for those under 18). There are literally hundreds of mutuelles, all with varying plans, but they all start from the same base (i.e. covering the difference between the sécu reimbursement and the standard fee schedule, which most doctors tend to adhere to - those that charge more must disclose that fact up front).
Cheers,
Bev

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Old 3rd February 2011, 08:02 PM
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Thank you so much for taking the trouble to advise us, Joppa, you are very kind, and that comparison site is most helpful, just what we needed to know, cheers.

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