Obviously it would be a big cost-saving but is it too good to be true? It would only be for 12 months so we'd obviously have to go with another provider for renewal purposes.

Why won't you be joining the French Health Service PUMA as soon as you can ?
If you are resident here (in France) I thought it was compulsory.

 

Why won't you be joining the French Health Service PUMA as soon as you can ?
If you are resident here (in France) I thought it was compulsory.

Hi Sue. I don't think it's compulsory to join CPAM (we will though) - I think as early-retirees you can continue with private insurance if you prefer. This is for our initial application though - just wanted to see whether ACS-ami will suffice otherwise we'll go with Fab Insurance.

Thanks, Pip

 

When you say "Fab insurance" I think you know that Fab is a broker and has many policies from many suppliers. In fact, I think Fab can write you a policy with ACS-ami if you wish (Fab offered them to me a year ago but their ENP policy was too weak for an oldie like me).

As I said before, I don't have any experience with ACS-ami, but I thought their offerings for people under 60 looked pretty good. Of course, you are only going to get what's in their terms and conditions, AT BEST.

 

You may want to ask if the policy can be converted to a mutuelle* after your initial 3 months and I would strongly encourage you to join PUMA at your first opportunity
* I assume you understand how the French system works?

 

I don't think the ACS policies can be converted because they have a grid of "how many months do you want"? My April policy was convertible and refundable, but would have cost about $3K/yr had it run that long (only needed 4 months).

 

Hi Pip R! I'm in the same spot that you were in a year ago! Trying to decide between the cheaper ACS-Ami plan for visa application purposes or Fab insurance. Did you have any words of wisdom a year later? I'd appreciate any guidance possible!