PUBLISHED: 15:10 05 August 2021 | UPDATED: 16:03 05 August 2021
How one can entry well being cowl in France post-Brexit, from paying for some remedies to making use of on your ‘carte vitale’ and having your personal non-public medical health insurance
French healthcare has a well-deserved status for offering high-quality therapy and complete preventative care. Nevertheless, the system will be troublesome to navigate and it operates fairly in a different way from that of the UK which may come as a shock to many new arrivals. It’s a good suggestion to familiarise your self with how the system is run earlier than you want its providers; there may be nothing extra irritating than attempting to know how one thing works if you find yourself not feeling 100%.
If you’re resident in France you have to have medical health insurance and state healthcare just isn’t free. It’s funded by each the state and affected person contributions and sufferers could pay upfront for some remedies (that is typically the case with X-rays for instance), with the French nationwide insurance coverage fund repaying a part of the prices at a later date.
UK nationals dwelling in France often entry the French healthcare system both by making French social safety contributions by way of their employer or as a self-employed individual, or by registering a UK-issued S1 kind with the native CPAM workplace. If you’re employed you possibly can apply as quickly as you start working and shall be lined on the identical foundation as a French citizen. These resident in France previous to 31 December 2020 additionally take pleasure in the identical freedom to hitch the French system after residency of not less than three months.
Folks arriving from the EEA (European Financial Space) will have the ability to entry the system on the identical foundation as French nationals, nonetheless, UK nationals who relocate to France from 2021, now not profit from EEA rights and can want a visa to reside in France and this requires that they’ve enough non-public medical health insurance in place. After three months of authorized residence they’ll apply to hitch the French well being system and they’re additionally entitled to well being cowl in the event that they take employment or arrange a enterprise; nonetheless, solely sure kinds of visa allow the holder to work.
CERTIFICATES AND CARDS
Inside the EEA sure nationals could qualify for a certificates of well being entitlement which gives entry to French healthcare on the identical phrases as French nationals. These certificates are referred to as ‘S’ varieties and the S1 (previously E106/E121) is commonly issued to somebody whose household relocates to France whereas they proceed to work within the UK or one other EU nation and people who relocated to France previous to 2021 proceed to profit from their former rights.
For individuals of retirement age and who’re in receipt of a state pension from their residence nation, S1 cowl is offered on a everlasting foundation and people on long-term incapacity profit (ESA) below the age of retirement are additionally entitled to use for an S1. If you’re a posted or ‘indifferent employee’ (i.e. employed or self-employed within the UK, however briefly despatched to an EEA nation, you possibly can entry French healthcare utilizing an EHIC, GHIC or S1 kind. The HMRC helpline will make clear which paperwork you will have to get healthcare whereas posted overseas and whether or not or not you require a UK-issued A1 certificates to indicate that you just pay nationwide insurance coverage within the UK.
In all circumstances the S1 must be registered with the native CPAM and when you’re utilizing an EHIC or GHIC card you’ll want to indicate this while you go to any appointments. Additionally, you will have the ability to use an EHIC or GHIC card if you’re learning in France to get medically essential healthcare till the tip of your research interval in France.
Those that are in employment or enterprise in France mechanically acquire entry into the state well being system, whether or not as an EEA citizen or a ‘third-country’ nationwide. When you have relocated to France and plan to run a enterprise then your affiliation to the French well being system will occur mechanically as a part of the method of enterprise registration and this contains those that register as a micro-entrepreneur. Enterprise registration will happen at one of many registration centres, referred to as the Centre de Formalités des Entreprises (CFE) and will also be executed on-line.
The native well being authority (CPAM) will subsequently contact you after which level you and your loved ones will all be lined for healthcare; there isn’t a want for each husband and spouse to arrange a enterprise as each are lined, offered one in every of them has a registered enterprise. Nevertheless an economically inactive partner/civil associate of a enterprise proprietor or salaried individual in France does now must make their very own utility for well being cowl, relatively than remaining as a dependent of their associate.
As soon as self-employed, you’ll pay social safety contributions, which incorporates these on your well being cowl. If you’re already self-employed and retain substantial hyperlinks to your house nation, you possibly can work in France for as much as two years whereas retaining affiliation to your present residence social safety and well being system. There are specific situations that have to be met with the intention to qualify for this, so you will have to supply HMRC with full particulars as every case is set on a person foundation.
After getting registered you may be lined below the PUMA – safety universelle maladie – scheme which ensures healthcare cowl to everybody residing in France in a ‘common and secure’ method and avoids any breaks in healthcare provision in case of job loss for instance.
If you’re not employed you could have to pay into PUMA your self and additional particulars will be discovered on the Ameli web site.
Registration is pretty easy. You will want to obtain a Demande d’ouverture des droits à l’assurance maladie (CERFA N° 15763*02) which is on the market on-line (formulaires.service-public.fr/gf/cerfa_15763.do) after which full and signal the shape. It does state that this isn’t required by S1 holders, however native CPAM workplaces and the Ameli helpline at present appear to require it. You will want to supply exhausting copies of the next paperwork: your passport, beginning certificates (the lengthy model which incorporates mother and father’ names, marriage certificates, the Lettre des impôts britanniques au sujet d’attestation des droits (that is the discover from HMRC that it is best to have requested when informing them of your transfer to France) and your Attestation des droits (S1). Additionally, you will want a phone or utilities invoice, proof of deal with and a RIB (the IBAN quantity) out of your French checking account.
You possibly can both put up your utility or make an appointment on the native workplace and take it in individual. Except you’re at an enormous distance that is most likely the higher possibility as any errors will be shortly rectified and the employees are usually very useful.
When you’ve registered, you’ll get a short lived social safety quantity and you’ll then obtain a doc referred to as an Attestation de droits à l’assurance maladie. This confirms your proper to French state healthcare and your French social safety quantity. When you may have acquired that doc, you possibly can apply on your French state healthcare card, the well-known inexperienced carte vitale. You will want to take this with you everytime you go to a health care provider, pharmacy, hospital or specialist. Getting a bodily carte vitale can take some time, typically as much as six months, so when you want healthcare earlier than receiving the cardboard you will have to offer your social safety quantity and ask your healthcare supplier for a feuille de soins – this can be a brown kind which you will have to ship to your native CPAM workplace with the intention to be refunded for any therapy you’ve paid for. Even with a carte vitale chances are you’ll sometimes be given a feuille de soins and it’s at all times a good suggestion to make a duplicate of those earlier than sending them off and even put a notice within the diary to test that you’ve acquired the suitable refund.
State healthcare in France just isn’t free; you could have to pay a number of the price of therapy so be sure to perceive what you’ll be charged, how a lot of that you just’ll get again by way of state healthcare cowl and whether or not or not you require top-up medical health insurance. This is named a mutuelle and the coverage covers most or all the extra not refunded by the state. Being conscious of prices applies equally to these travelling to France and journey medical health insurance is crucial.
CPAM – Caisse primaire d’assurance maladie
EHIC – European Well being Insurance coverage Card
GHIC – UK International Well being Insurance coverage Card
EEA – European Financial Space
CEAM – la carte européenne d’assurance maladie
All the time apply on your CEAM or GHIC nicely earlier than any deliberate journey dates as these can take some time to be processed throughout busy intervals. In the event you reside near the border and make common journeys throughout, whether or not for work or leisure, it’s a good suggestion to be sure to at all times have a sound card with you – simply in case!
• English-speaking CPAM helpline quantity (France) 09 74 75 36 46
• Requesting S1 as a retired state pensioner? Then you definitely solely must take care of the DWP, you have to request an utility kind by cellphone from NHS Abroad Healthcare Companies.
• NHS Abroad Healthcare Companies – (UK) 0191 218 1999 (Monday to Friday, 8am to 6pm; Saturday, 9am to 3pm)
• Requesting S1 as a UK-based employee residing in France, or as a posted employee? Begin by contacting HMRC. They might want to test your standing earlier than instructing the DWP to concern the S1. Name HMRC on (UK) 0191 203 7010.