Lenht1951

I have just discovered, after visiting my GP with forms for him to complete, that some  phi's require a medical conducted by your GP, if you have a pre condition like diabetes, plus a blood test and an ECG. So if anyone is thinking of completing the application forms for Jan 08 now may be a prudent time. Me I do not return to France until the 4th Jan and the appointment for the ECG is not until the 18th Jan so I will not be covered for health, unless Debs and Co get some info on E106 holders. Merrry Xmas to all, especially at FHI who have done so much for us all....[B] [B]

Hi BaF [great name by the way contrary to what others have said] [B] I really think that an awful  lot of people are unaware of the true situation you only have to look at other forums and talk to people to realise that they haven't got a clue. I've lobbied and petitioned and if it were possible to physically kick @rse I would do that to.  

[B] Here also,  had several quotes and the cheapest to date is Expat Health with Morgan Price. They all have a CATCH 22. I cannot obtain comprehensive cover, not that I could afford it anyway,  as I have a pre existing condition, so,  I will not fulfill the conditions regarding residence. Sitting back and waiting for as long as necessary. Returning UK for Xmas and I may decide on what to do on return but I am definitely staying here and not rushing into anything.

[quote user="Joshua"]If we are less entitled for Health Care paid by France maybe our E106 should last forever ! Joshua[:P][/quote] Don't see why it shouldn't as I pay income tax on my govmnt. pension in the uk, part of which is for a health service I am unable to access, can't even get an EHIC after Jan 08.[:'(]

You are quite right bugbear. In fact I know someone who paid income tax on his NHS pension in the UK. He was then taxed on the pension in France and the Impots advised him that it was not part of the reciprical agreement and he should claim the tax paid in the UK back. He did and now pays substantially less tax in France than he did in the UK. Nice to have a result for a change. Fire Service same as Police taxed at source.

[quote user="BJSLIV"]Those still on E106 would be required to take out private insurance.Those with a pre-existing condition would still take out private insurance, but would be covered by the (emergency) AME for things excluded from their PHI. [/quote] So presumably someone with a long term illness would not only have to contribute to the state system if their pension was over the AME threshold but also have to pay for  heavily loaded PHI...And believe me it will be heavily loaded. [8-)]

Thanks Cat...[B]

Hi Claire, Thanks for your efforts but had a look at the above using a translation service, maybe my brain is not working today but it seems as clear as mud. Very [8-)][8-)]

Hi, Cannot get the link to work. Any email address [8-)]

So I for one will hold onto the translated letter but take the E106 letter from FHI website for my visit to CPAM this afternoon. [blink]

Hi Diemos just Babelfished it translated back to English and it appears to make sense...I Hope...Anyone can correct if wished [:D]   Le gouvernement français a indiqué qu'il considère un changement de sa politique exclure quelques résidants existants de la nécessité de chercher des soins de santé privés. Cependant, il y a des soucis que le critère à adopter sera qu'une personne doit être devenue filiale au CMU ou avant une date efficace (30 septembre 2007 ?). Tandis que ce serait un soulagement bienvenu à beaucoup il créerait une inégalité sérieuse qui sera certainement défiée.  Il serait utile si cette inégalité pourrait être adressée avant que l'annonce ait été faite. Si le critère doit être basé sur l'affiliation au CMU et pas à la résidence puis ces résidant en France sur formes du ` E les '(par exemple E106 ; 121 ; 109) ne sera pas inclus. Une fois la couverture de leur forme du ` E 'devient inadmissible (par exemple E106 expire ou l'acceptabilité E121 pour des au sol d'incapacité est perdue) alors ces résidants devrait chercher l'assurance médicale maladie commerciale. Ceci pourrait créer une situation où, par exemple, un résidant de personne en France pendant des années de deux-et-un-moitié sur un E106 ne aurait pas droit aux soins de santé français d'état tandis que quelqu'un sur qui n'avait pas qualifié pour un E106 en raison des contributions BRITANNIQUES insatisfaisantes d'assurance nationale et était seulement arrivé en France en automne de 2007 et a eu alors filiale au CMU ou avant 30 septembre 2007 serait autorisé à énoncer des soins de santé. Ce serait injuste. Le remède à ceci devrait persuader le gouvernement français que le critère devrait être basé sur la RÉSIDENCE en France ou avant la date efficace (30 septembre 2007 ?) et pas affiliation au CMU.    Ce serait non seulement équitable mais logique comme législation française `    LOI aucuns l'immigration de à de parent du juillet 2006 de 2006-911 du 24 et l'intégration   de à 'et   le n° 2007-371 du 21 de Décret de ` trouble l'européenne 2007 d'au droit de séjour en France des citoyens de l'Union de relatif, le économique de l'Espace de à de parties d'Etats d'autres de DES de ressortissants de DES européen et le famille de des membres de leur de que d'ainsi de suisse de de la Confédération 'et   l'EU original 2004/38EC directif   sont toute la législation reliée par RÉSIDENCE et législation pas de ` de soins de santé '. Il est, donc, plus logique pour créer un critère basé sur la résidence plutôt qu'accédez aux soins de santé de ` '.   On l'estime également que l'exclusion des supports E106 mènerait à un fardeau administratif significatif sur CPAMs. Chaque support E106 serait autorisé à en appeler et, n'ayant rien à perdre, a pu être prévu pour faire ainsi. Ce serait onéreux sur le personnel dans CPAMs local et dans tout le système d'appel. Le personnel devrait traiter plus de cas qu'ils actuellement doivent traiter et ces cas seraient plus complexes en raison des aspects d'appel. Ces facteurs peuvent rendre nécessaire une augmentation des niveaux fournissants de personnel qui créeraient un plus grand fardeau sur le contribuable. Si les augmentations des niveaux de personnel n'étaient pas approuvées, alors la charge de travail du personnel existant augmenterait certainement. En outre, si l'exclusion des supports E106 était avec succès en appelée au niveau d'EU - des résultats probables - puis tous ce travail supplémentaire effectués par le personnel de CPAM etc.. aurait été pour rien MAIS puis devrait être corrigé pour chaque cas. Ceci pourrait mener aux réclamations pour le remboursement des honoraires payés aux assureurs commerciaux ou pour la compensation ceux qui ont estimé qu'ils avaient été obligés pour renoncer à la résidence en France. Ce fardeau financier devrait être rencontré par le contribuable. En résumé, l'exclusion des supports de E 106 qui sont déjà résidents en France semble être sans avantage sur les raisons et car français les contribuables financiers que nous ne soutenons pas cette politique. Car les résidants de la France que nous croyons également que la décision pour exclure de tels supports E106 est erronée en principe et est très pour être retournée une fois légalement avons défié.  

Have just posted the below on 106ers but it may have been better here.. And here is the Catch 22 of most PHI's From a reputable insurer Quote ' Benefits not payable for Illnessses once they have been diagnosed as either chronic or terminal except where shown in the benefits scedule' I am not cherry picking here but after having thoroughly read documents from PHI's it appears to me that once you have paid for 12 months PHI and during that time you are diagnosed with a chronic condition then the following year that condition will no longer be covered  under the PHI and any further treatment will be at your own expense. Quote ' Benefits Schedule 'The list of chronic conditions is defined as a sickness, illness, disease or injury which has one or more of the following characteristics 1.recurrant in nature...2.is without a generally known cure...3.not generally deemed not to respond well to treatment...4.requires pallitive treatment...5.requires prolonged supervision or monitoring...5.leads to permanent disability.' So why bother paying PHI because it appears to be only valid for one year and if anything happens during that period of cover the following years you are on your own I am going to look for work after the New year but who will want to employ a 56 year old ex Gov. worker...Think I will become an illegal and hide in the cellar...[Www] Unless someone has a cunning plan

And here is the Catch 22 of most PHI's From a reputable insurer Quote ' Benefits not payable for Illnessses once they have been diagnosed as either chronic or terminal except where shown in the benefits scedule' I am not cherry picking here but after having thoroughly read documents from PHI's it appears to me that once you have paid for 12 months PHI and during that time you are diagnosed with a chronic condition then the following year that condition will no longer be covered  under PHI and any further treatment will be at your own expense. Quote ' Benefits Schedule 'The list of chronic conditions is defined as a sickness, illness, disease or injury which has one or more of the following characteristics 1.recurrant in nature...2.is without a generally known cure...3.not generally deemed not to respond well to treatment...4.requires pallitive treatment...5.requires prolonged supervision or monitoring...5.leads to permanent disability.' So why bother paying PHI because it appears to be only valid for one year and if anything happens during that period of cover the following years you are on your own I am going to look for work after the New year but who will want to employ a 56 year old ex Gov. worker...Think I will become an illegal and hide in the cellar...[Www]

[quote user="Ninthace"] I added a letter of appeal, courtesy of the French Healthcare Issues site, which we had modified to include reference to the ongoing etude juridique announced yesterday.  [/quote] Hi Ninthace, I take it the letter of appeal you refer to is 'THE LETTER TO CPAM' for 106 holders (ours expires Jan) from the FHI website. We are going to Niort CPAM on Friday to hand in our Carte Vitale which we have been requested to do, so I will ask to join CMU and throw in the letter of appeal, if that is the correct one. As I am diabetic I was going to add that to the letter of appeal that I am unable to get private health insurance to cover for my diabetes. Anybody out there got any ideas ?, sensible ones only please [:)]

I admit that I am confused and exasperated by all the information, misinformation, speculaton, individuals views etc etc etc. regarding the changes in French Healthcare. I accept that when my e106 expires Jan 08 I MAY have to have private health Insurance, or can I go Pay as you Go. No one seems to have the definitive answer. [8-)] Apparently according to the rules of residency, and other forums one has to have fully comprehensive Health Cover, whatever that may mean....The French Insurance companies and other Insurance companies that I have recieved quotes from all offer differing levels of cover from simple Hospital Cover to all singing and dancing policies. So presumably they haven't a clue either. Considering this has been on the drawing board since 2004 and implemented July 2007 will the powers that be ever bother to desiminate any bl00dy information so that at least we know what the hell to do. If not I will be forced to be an illegal in 6 weeks time, not that I'm bothered anyway because if they don't care why should I worry.

Mailed about the ONLY downside to living in France whilst not working. Not being allowed to contibute into and recieve care from The Health System. Twice. Maybe worth others having a go And No they probably don't its suprising how many do not

And me, stuff the garden

Quote 'Just look at the typical 'expat photos' they publish - healthy, wealthy, grey haired executive types sitting on their patio like something out of a life insurance policy advert...'  Knew I'd gone wrong somewhere!!!! [blink] You can tell by the brick shaped Ferrari..

[:@] Why don't these people/news organisations listen. It's not FREE and by everybody saying so public sympathy will not in our favour.

Hi Ali-cat - e mail sent Regards Len

Do you have draft letter, or perhaps Fhi can put one on their site for everyone to send.

Just made a post. In cast it gets edited out it was as follows: Surely the cases quoted by Deborah and the way the whole issue is being treated by both the UK and French Governments is a violation of the European Human Rights Act, in that they are both NOT allowing people THE RIGHT TO LIFE. They are allowing people to die unnecessarily by simply excluding them from the health care in both countries. This sorry state of affairs affects some 7000+ (expiring e106’s) plus many others in varying degrees who after the January will be Stateless as far as health care is concerned. A truly disgusting state of affairs.     Probably won't do much but made me feel a little better.  

I have been quoted for three levels of Private health insurance by AGF from basic hospital cover to all singing and dancing policy, bottom line about 1500 euros per person hospital cover up to 5200 euros per person for everything. Presumably they know what they are doing as they were doing this prior to CMU setting up, so I would imagine that the policy you chose is up to you even if its just the basic. Hope that helps. Think I will be job hunting personally, hate Insurance companies.

Absolutely bl00dy brilliant. [:D] [:P] to the Conservatives abroad

[8-)] Here's a spanner in the works. I am 'inactif',. I obtain part time / full time employment to enable me to access the French Health System. Do I retire under French rules at 60 years and remain in the Health System or do I have to work in France to 65 as per the UK system.  ??