FabSwingers.com forum: Health cover

By (user no longer on site) OP
over a year ago

Hi all

I'm looking to buy a house in France next year with making a permanent move there in the near future.. so the question I ask for people who already live there, as at healthy single man with no health issue, age range 55-60 .. how much realistically would health cover cost.. searching online there is such a difference in pricing it difficult to costing into my planned outgoings

Many thanks

Paul

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By (user no longer on site)
over a year ago

"Hi all

Many thanks

Paul"
we pay €600 a year but we have a carte de sejour and carte vitalle ( health card) so our cover reflects this

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By (user no longer on site) OP
over a year ago

"Hi all

Many thanks

Paul we pay €600 a year but we have a carte de sejour and carte vitalle ( health card) so our cover reflects this"

Thanks for the info.. i factored in paying £1200 a year .. think i need to look into this more, was speaking to someone he said more like 3k, that is a figure that may get me looking elsewhere

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By *ouraineCouple
over a year ago

Blois, France

Many of us on the French forum have been here for years and so were European when we applied for the Carte de Séjour which made it relatively straightforward. You have to have the CdS before you can apply for a Carte Vitale.

The Carte vitale covers a portion of basic health care but the rest is made up by health insurance known here as a Mutuelle. The mutuelle is often given as part of the compensation package when you work for a French company but becomes something you have to pay for when you retire.

Do your research well, it's more difficult to get a Carte de Séjour for non-europeans. If you don't qualify for a Carte Vitale then your health insurance will be very expensive.

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By *exy BeckyCouple
over a year ago

Bergerac, France

Spot on advice....

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By (user no longer on site) OP
over a year ago

Do your research well, it's more difficult to get a Carte de Séjour for non-europeans. If you don't qualify for a Carte Vitale then your health insurance will be very expensive."

In your opinion would you say £1200 health care is wishful thinking then if I dont qualify for the Carte Vitale.

I will be researching this subject and the Carte de Sejour more thoroughly in the coming months its just good to get someones perspective who lives there.

Many thanks to everyone who has contributed

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By *exy BeckyCouple
over a year ago

Bergerac, France

There’s plenty of FB pages that deal with similar issues.

You may get a good response from people who have recent experience of moving out since Brexit or msy have already done some research to save you treading the same ground.

Good luck.

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By (user no longer on site) OP
over a year ago

Thank you I will look into FB and find the pages to see other peoples experience.. i did get a quote from BUPA and indeed it quoted me just under 3k euros with out the Carte de Sejour or Carte Vitale

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By *rightonfranceMan
over a year ago

brighton - chalais france

With a carte vitale and carte de sejour I pay 130 euros a month.. it starts from about 90 euros to a couple of hundred or more per month for a couple..

My daughter and her hubby and daughter in early 30s pay 80 euros a month.. it gets dearer as you get older and need it more.. the top up only covers you for the bit the carte vitale doesn't pay.. normally 30%

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By *ucianpoundCouple
over a year ago

Cap d’Agde, France

We had to give up our rights to UK health care to get the (free) Carte Vitale which coves 70% of most health costs.

This year we pay 114 euros per month for both of us for our mutual (additional) health insurance.

We get virtually 100% reimbursement on Doctor, hospital, pharmacy, dentist, opticians and hearing.

We have found the system very efficient with an emphasis on preventative health care. Minimum waiting times to see specialists and for medical procedures (In our experience in Dept 34)

We feel that this is money well spent.

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By (user no longer on site) OP
over a year ago

Its definately has opened my eyes to the cost of health care, maybe a holiday home using travel insurance could be my option and easy access back to the UK, well until i apply and get granted the Carte de Sojour and Carte Vitale.. not really what i wanted 2 homes but as a short term fix it may be whats needed

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By *ucianpoundCouple
over a year ago

Cap d’Agde, France

It makes a difference for us because we live 100% of the time in France.

Because if this, this last year I pay 1500 euros P.A. less income tax than I would in the UK, my household standing charges are 50-80% less than they were in the UK, so 114 euros P.M. for a first class health service is a bargain.

However if we were just looking at France (post Brexit) as a holiday home destination then we would, of course, be hammered financially in all sorts of ways!

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By (user no longer on site)
over a year ago

"Its definately has opened my eyes to the cost of health care, maybe a holiday home using travel insurance could be my option and easy access back to the UK, well until i apply and get granted the Carte de Sojour and Carte Vitale.. not really what i wanted 2 homes but as a short term fix it may be whats needed"

Post Brexit if you want to move over you would have to apply at the French embassy in U.K. for a 12 month visa - cost depends on what visa you would be eligible for. You would have to pay for full health cover for that year and then could apply for a Carte de Séjour for residency near the end of the visa. If you buy a property and use it as a holiday home to begin with you can only stay for up to 90 days on a rolling 180 day period.

I found all the Facebook groups really helpful, especially with filling in my French tax return

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By *eachcplCouple
over a year ago

blackpool/preston/normandy france

You will not be able to apply for the carte vitale and later the residency carte if you are using a French home as a holiday home. You will need to reside in France and you will need to provide your S1 form from the UK if you are of retired age, or get a letter from the UK saying that you have given up your rights to health treatment in the UK. Basically you can't have both, UK and French cover. The previous posting about your 90 days in 180 will apply unless the French have issued you with a year's residency permit and you will have to show proof of 100 per cent health insurance cover as part of the application process for that first year.

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By *eachcplCouple
over a year ago

blackpool/preston/normandy france

Should also add that health costs are different depending on whether you are retired or working once resident in France. That is a much more complicated situation.

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By (user no longer on site) OP
over a year ago

Thank you everyone for contributing to this topic its been interesting and very helpful.. im still unsure of the path I will take but i slightly leaning toward the holiday home. Next year will be the key date as that is when Im looking to buy so have a little more time to mull it over.

Once again thank you

Paul

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