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We're both retired with our own Cartes Vitales. Is it necessary to to top -up with some sort of extra health insurance?
 

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The details of what is reimbursed and at what rate are here: ameli.fr - Combien serez-vous remboursé ? (in French, of course).

For those items not reimbursed at 100% (consultations, dental and eye care, etc. etc.), you probably want to have a mutuelle, which is the "top-up" insurance referred to frequently on this forum. It's not obligatory, but most people have one, either through their workplace or independently.

A mutuelle usually costs about 50 to 100€ a month per adult covered - and you can get mutuelle coverage that will cover doctors and treatments that don't conform to the sécu schedule of payments, or that offer particularly good reimbursement on dental and eye care.
Cheers,
Bev
 
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If you can find the right cost/benefit ratio, I reckon it makes sense. Costs of policies vary depending on how comprehensively you want cover; private hospital rooms, scanner examinations, dental work, etc. My parents were covered right into their 80s, and it certainly proved cost-effective in the final analysis, and not too onerous.
 
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