Thanks to both of you. She has now been told in writing that social security will cover 2011 euros a month, and she has written to her mutuelle to inquire how much they will cover of the rest. No reply yet, everyone uses les vacances as an excuse. It sounds to me as if she may end up paying a few hundred euros a month, but not a frightening 1,500. For Clair, everyone pays the forfait hospitalier, no matter how long they spend as an in-patient. Also, patients may be charged extra for television, telephone, etc. I don't think anyone can quarrel with that. Thanks for the website references. I didn't know about the vos droits site. janet