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Hi all,*

We're relocating to France in a fortnight (my husband, myself and our eighteen month old daughter) and we're desperately in need of some help and advice!*

I've spent another day on the phone and Internet today trying to make some sense of what we need to do with regards to French healthcare. We're self-employed but will be working for our British company in France so apparently are not entitled to a S1 certificate. We've spoken to various people who keep asking what we are entitled to, but at the moment we just can't find out! I think that we'll end up needing a hundred per cent private cover. Are there any companies that are better than others or that come highly recommended? Unfortunately we're still at a stage at the moment where we probably need an English-speaking company.

We hope that after a period of time of living in France full time that we will then be eligible for French social security. Would this be the case? For this to happen, do we need to be making some contributions now?*

Apologies for so many questions on my first post. I've been researching this for months but don't seem to be making any headway and things are starting to feel a bit desperate!

Thank you so much if you've had the patience to read through this. Any help at all would be enormously appreciated.
 

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While continuing to work for your British company, are you going to be paying your taxes in the UK and (more importantly) the British national insurances? That could well be the hang-up.

You're eligible for French social security when you are resident in France AND employed in France so that you are paying French cotisations (basically social insurances).

This is the Service Public page on health insurance for EU citizens in France. Citoyens européens : assurance maladie en France - Service-public.fr It doesn't exactly address your situation, but perhaps there is some information here that might be of use in your case.
Cheers,
Bev
 

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Are there any companies that are better than others or that come highly recommended? Unfortunately we're still at a stage at the moment where we probably need an English-speaking company.
There is a company called ARCC (Exclusive Health Care) in Bordeaux, contact name is Catherine Lewis. They are all English speaking and give great service, very pleased with them. If you have difficukty in finding them send me a message and I'll send the contact details privately

Cheers
 

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There is a company called ARCC (Exclusive Health Care) in Bordeaux, contact name is Catherine Lewis. They are all English speaking and give great service, very pleased with them. If you have difficukty in finding them send me a message and I'll send the contact details privately

Cheers
David

Does ARCC provide insurance in general? Or are they associated with UK Expat Insurance?

And I'd appreciate a link to them or a phone #.

Ray
 

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David

Does ARCC provide insurance in general? Or are they associated with UK Expat Insurance?

And I'd appreciate a link to them or a phone #.

Ray
They do specialise in UK expats but it would be worth giving them a call. I'll pm the contact data

Cheers
 

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If the question is whether some insurance providers are better than others the answer is yes, of course, but coverage rates vary across different fields.
Some are better at dental coverage, others at hospital stay, ophthalmology etc. etc.
If you're moving close to any big city (Paris, Lyon, Lille, Strasbourg and Marseille) any well-known health insurance provider will have sales staff with more or less adequate level of English.
Not sure if this helps:)
I thought we couldn't name specific companies here?
SwissLife is not bad. Pm me if you want others.
 

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Hi there- sounds like in the meantime (before you become legal French residents -paying French tax, etc.) you should apply for your European Health Insurance Card (since you're still paying UK tax). Here's a small excerpt from our blog about it, that's relevant-

"If you are a UK citizen, apply for your free EHIC (European Health Insurance Card) well before your trip to France. (This will cover most, but not all hospital costs. Hospitals will make the reduction immediately; doctor’s visits, lab work & prescriptions must be paid upfront & will later be partially reimbursed). This is just the tip of the iceberg."

I benefitted from the EHIC while I was pregnant in France & my husband had an unexpected hospital stay (We have UK/US dual citizenship & a business in France). Reimbursement takes a while, but it really is a great system as long as you are still paying your UK contributions.

Good luck!

Hi all,*

We're relocating to France in a fortnight (my husband, myself and our eighteen month old daughter) and we're desperately in need of some help and advice!*

I've spent another day on the phone and Internet today trying to make some sense of what we need to do with regards to French healthcare. We're self-employed but will be working for our British company in France so apparently are not entitled to a S1 certificate. We've spoken to various people who keep asking what we are entitled to, but at the moment we just can't find out! I think that we'll end up needing a hundred per cent private cover. Are there any companies that are better than others or that come highly recommended? Unfortunately we're still at a stage at the moment where we probably need an English-speaking company.

We hope that after a period of time of living in France full time that we will then be eligible for French social security. Would this be the case? For this to happen, do we need to be making some contributions now?*

Apologies for so many questions on my first post. I've been researching this for months but don't seem to be making any headway and things are starting to feel a bit desperate!

Thank you so much if you've had the patience to read through this. Any help at all would be enormously appreciated.
 

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Registered
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If the question is whether some insurance providers are better than others the answer is yes, of course, but coverage rates vary across different fields.
Some are better at dental coverage, others at hospital stay, ophthalmology etc. etc.
If you're moving close to any big city (Paris, Lyon, Lille, Strasbourg and Marseille) any well-known health insurance provider will have sales staff with more or less adequate level of English.
Not sure if this helps:)
I thought we couldn't name specific companies here?
SwissLife is not bad. Pm me if you want others.
We also use Swiss Life. Their customer service is excellent in my opinion, and they have many different policies to choose from depending on what type of coverage you need and how much you want to spend BUT for us it is supplemental to the French health care. We are covered under the French because we are tax residents of France. Don't know how it works if you're a tax resident in the UK.
 
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