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health cover

1647 Views 9 Replies 4 Participants Last post by  Bevdeforges, 
N
I have been employed in france now for 7 months, i pay contributions to health ins, but have yet to recieve my social security number or anything that intitles me to health cover, can any one help me with this at all, any one experianced the same?(luckily im not ill!)
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Bevdeforges
It used to be the employer's responsibility to get employees enrolled in the social security system, but we've had plenty of folks through here lately indicating that's not how it works these days.

I'd ask your employer's payroll clerk or department if they have done anything. (There should be a social security number indicated on your pay slip each month. It's kind of a legal requirement.) If that doesn't get you anywhere, you may have to go visit URSSAF with your payslips in hand to get the ball rolling.
Cheers,
Bev
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C
Possibly your (French?) employer should see to this? Have you spoken to them? Is there not a social security number on your payslip? Take your payslip for December to your local social security office and explain the situation to them - you do have to work enough hours though - are you working full or part time? To qualify for a Carte Vitale you need to have worked 60 hours in any 1 month, or 120 hours in 3 months. Note - this does not entitle you to sick pay - just your health insurance. To be able to claim sick pay you need to have worked 200 hours in 3 months.

I presume you have not organised complementary health cover as the state scheme only covers around 70% of costs - you need insurance for the remainder. It all works very smoothly at the chemist etc.

Alternatively, for a short-term fix if you have problems here - were you working in the UK before you came to France? If so phone social security in Newcastle who will tell you if you payed enough in 2008/09 to cover you for several months in France - don't say that you are working here. Hopefully you will have earned enough to get more than 7 months cover. Newcastle will send you a letter to take to the your social security office and a Carte Vitale will be issued for the number of months reamining of your entitlement.

But really it should be done with the help of your employer here.
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L
Hi. My H has been working for a temp agency and they gave him a temporary number and said his will arrive in the post. We have a friend who works in France sorting these things out for the Brits and he said there is a big backlog and something will arrive shortly but people are waiting up to a year.
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C
With my letter from Newcastle I got my insurance and Carte Vitale in a week from the local social security office.
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L
Well I guess you are one of the lucky ones I have not heard of that quick before.
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N
thanks every one, i shall speak to my employer again and see about the other ins as well, I did not know it only covered 70% i do work full time so that is ok with the hours 46 hrs per week, thanx again,
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C
There are a number of companies offering complementary health cover - and each with a range of products - so don't pay for what you don't need - some for example offer cover for home education for children if they are off school for a while - no use if you have no anklebiters.
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contentedscot said:
There are a number of companies offering complementary health cover - and each with a range of products - so don't pay for what you don't need - some for example offer cover for home education for children if they are off school for a while - no use if you have no anklebiters.
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thanks for that, its a good point, my employers are chasing up the social security for me, so now im looking at getting complementry health cover, its a bit of a mind fiels with companies (as far as i can see) offering the same cover with very different prices, Im a single 28yr old, in relatively good health, i want cover for basically the equivallent of NHS medical care, not so bothered about opticiens or dentist at the moment, but any accidents, injury, illness and relative scans, x rays and lab tests included.
I dont understand what 100%tc is i thought this was the difference from what is covered from the difference between the bill and what socale securitiy covered, so how come some offer 140% or 360% or have i completely misunderstood that,
Thank you
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Bevdeforges
nyma nyma said:
I dont understand what 100%tc is i thought this was the difference from what is covered from the difference between the bill and what socale securitiy covered, so how come some offer 140% or 360% or have i completely misunderstood that,
Thank you
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Simple explanation: French social security covers a fixed percentage of many medical charges (usually around 65%, but it varies by service). The mutuelle exists to top that up. What they top it up to is the question here.

The secu has a list of charges for each service, medication, test, etc. Those are the "official" going rates - and what the secu pays its 65% or 35% or whatever of. If you go to a private hospital or a doctor who is "non- conventioné" the charges may be higher than those on the secu list.

Some mutuelles will only pay the difference up to the amount on the secu list of charges. Others will pay up to 140% or 360% of the list of standard charges. If you're looking to make use of, say, the American Hospital in Paris, their fees are considerably higher than the standard sécu list and so the extra coverage can be very handy!
Cheers,
Bev
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