Charente Limousine Exchange

Healthcare

If you are a holder of an E106, E121, or another E form, you must register this with your local CPAM office.Details of your local office can be found at www.ameli.fr  For the duration of these forms the UK government will pay a standard charge to the  French government. On expiry of your E form, this payment will cease. You will then be required to take out full, private health insurance to cover all your medical costs  because due to changes introduced in 2007, as a general rule, you will not be allowed to join the French contributory health scheme. Once you have lived in France in a legal and stable manner for 5 years, you will be entiotled to join the contributory scheme ( CMU).

Whilst you are covered by an E form, the following will apply;

The system in France is based on private medical facilities, with the state refunding ONLY  approximately 70% of the costs incurred.

Everything is priced - a visit to your doctor, prescription drugs, mammograms, scans, etc and a stay in hospital is broken down into treatment costs (for which the state refunds 70%) and accommodation costs (which the state does not refund).

There is no standard prescription charge. Drugs are priced according to their content and  the state refunds between 35% - 70% of the cost.

For certain  illnesses all treatment and associated drugs are free, but your doctor must apply for this cover.

To qualify for any refunds, everyone must sign on with a doctor and visits to him/her or his deputy will be refunded. (Visits to other GP's will not).

Dentists are private, again a refund system is used. State refunds for treatment such as crowns are low.

For eye tests you will need to visit an Ophthalmic doctor who will provide a precription which you then take to the Optician. State refunds for glasses/lenses are low.

As the state only refunds approximately 70% of costs, the remaining 30% ( or more) can result in very high bills, especially if hospitalisation is required. Top up health insurance (Assurance Complementaire) is taken out to help cover the costs not refunded by the state. There are many different levels of cover available. Choose one that suits your individual needs.

NOTE; If you are not entitled to an E form, you will not be allowed to reside in France unless you can prove that you have private medical insurance. Again after a legal and stable residence for 5 years, you will be entitled to join the contributory scheme.

HM Revenue & Customs HM Revenue & Customs Department for Non-Residents


MSA Social Assistance for those within agriculture
Social Security French social security portal
Cleiss English link to French social security system
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