Thanks for the tip re CPAM web site, though still unclear what is covered in cases like public and domestic accidents, and eg an emergency appendicitus. However, my question re insurance costs remains; why do premiums cost the same as in UK (PPP/BUPA etc) when the costs of consultancy/hospital accomodation etc is less than half AND the state pays 70% of this?? I might raise these as separate questions under this health care as I've been trying to get a clear answer for over a year.