We moved to France earlier this year, and are undecided about whether to take out top-up insurance. The 'experts' all seem to strongly recommend it, but the majority of friends we have asked reckon it is cheaper to pay as you go. Of course insurance is a gamble, and on average one must lose.... you don't see any poor bookies... or insurance companies! So far our dealings with doctors, specialists, and even day-case surgery have been surprisingly inexpensive. Opinions please...