susie Posted January 16, 2009 Share Posted January 16, 2009 Hi yaI have just applied for our E106 today as we move to France in 4 weeks time. When our house insurance was due for renewal last year, our neighbours thought we were paying to much so we had a quote from our bank and they saved us over 100 euros per year. So, I have had a quote also from our bank and for the both of us, they have quoted 89 euros per month. I have put details into a search engine and just had loads of emails back from various French companies. As at our bank everyone speaks English, is this perhaps the best route to go. Thanks Susie Link to comment Share on other sites More sharing options...
splishsplash Posted January 16, 2009 Share Posted January 16, 2009 You don't say what age you are, but your E106 will cover you for about two years & then after that, if you are not retired, you will need full health insurance cover. If you are retired then a mutuelle (top up) insurance will be required. We found ours on the net for half the price of any others & better cover. However, because it is internet based, all of the correspondance is done via e mail & they can keep the costs very low. Link to comment Share on other sites More sharing options...
cooperlola Posted January 16, 2009 Share Posted January 16, 2009 As Splishsplash says, it is impossible to know whether this is good value or not without knowing your ages and also the level of cover given. Is it 100% or more? Is dental covered also? Whether or not you need an English speaking company is dependent totally on how well you think your French will stand up in times of crisis which, let's face it, is when you're going to need them most. Link to comment Share on other sites More sharing options...
susie Posted January 16, 2009 Author Share Posted January 16, 2009 Hi yayes, it is 100% cover, dentist and optical. I am 54 and my husband is 63, 64 in April. I was very surprised that they did not ask if we had any pre-existing medical conditions, just our age. My French would not stand up to much at the moment but I am working on it, cant move to France and not speak the language.Susie Link to comment Share on other sites More sharing options...
Benjamin Posted January 16, 2009 Share Posted January 16, 2009 Be careful with the cover for dentist and optical. You are being offerred 100% of the amount covered by CPAM which will be only a fraction of the actual cost. This is why you often see 200, 300 or 400% cover for these two being offerred. Link to comment Share on other sites More sharing options...
susie Posted January 16, 2009 Author Share Posted January 16, 2009 Benjaminthank you for that advice, I did not realise that, I was wondering what all the extra percentages meant.Susie Link to comment Share on other sites More sharing options...
susie Posted January 16, 2009 Author Share Posted January 16, 2009 Splishsplash,thank you, I have just googled 'top up insurance in France' and now applied for 4 more quotes. With the added info from Cooperlola on percentages I hope to get a more varied comparison on my original quote from my bank.thank youSusie Link to comment Share on other sites More sharing options...
cooperlola Posted January 16, 2009 Share Posted January 16, 2009 I asked about the % of cover for this reason. I'm 53 and the o/h 60, and we pay 115 euros a month for 300% cover, including dental. Thus I think the amount you've been quoted seems OK but not exceptional. It would be interesting to know what they want for a higher level of reimbursement (which can be useful as Benjamin so rightly points out.)As far as the language question goes, maybe start with an English speaking company and see how confident you feel after the first year.It is no surprise that the company (CA Britline Pacifica perchance?) did not ask for medical history as top-up companies are not allowed to exclude you on medical grounds in France. Different matter for full cover policies but you shouldn't need one of those as it sounds as if you'll get E121 cover via your husband when your E106s expire. Link to comment Share on other sites More sharing options...
susie Posted January 16, 2009 Author Share Posted January 16, 2009 Hi Cooperlola,Yes, you are right about the company (CA) didnt know that they could not ask the questions. This is very difficult, I am in good health but as the lady at Newcastle told me today I will probably be able to go on my husbands E121January 2010 which is when my E106 expires as long as the French agree, she has given me a direct telephone number to call them if the French authorities disagree. But my husband will need on-going maintenance cancer treatment, twice a year, so before I take out any insurance how do I know what extra level I will need, if that makes any sence to you. I cannot get head around more than 100%. Susie Link to comment Share on other sites More sharing options...
suein56 Posted January 16, 2009 Share Posted January 16, 2009 [quote user="susie"] I cannot get head around more than 100%. [/quote]As our assurance agent explained it to us you should not need more than 100% for normal health cover, including hospital cover - unless you live in a very expensive area eg Paris, where the 'dépassements honoraires' charged by some specialists can be mindblowingly expensive - but for glasses/dental cover then it is probably wiser - at our age - to have 200% cover.Sue Link to comment Share on other sites More sharing options...
Sunday Driver Posted January 16, 2009 Share Posted January 16, 2009 This is how things work:If the treatment provider charges the standard tarif de convention (no extra fees), the state covers 70% of the cost and you (or your mutuelle) are liable for what's called the ticket moderateur - that's the remaining 30%. As you can see, if your mutuelle gives 100% cover (remember, that means 100% of the tarif de convention) then you're fully covered.[IMG]http://i172.photobucket.com/albums/w4/r850r/schema_no_depassement.gif[/IMG] However, if the treatment provider is allowed to charge more than the tarif de convention (by what's called a 'depassement'), then you need a greater percentage cover by your mutuelle to cover the standard tarif plus the ticket moderateur - plus the amount of the depassement.[IMG]http://i172.photobucket.com/albums/w4/r850r/schema_depassement.gif[/IMG] Link to comment Share on other sites More sharing options...
KathyC Posted January 16, 2009 Share Posted January 16, 2009 [quote user="suein56"][quote user="susie"] I cannot get head around more than 100%. [/quote]As our assurance agent explained it to us you should not need more than 100% for normal health cover, including hospital cover - unless you live in a very expensive area eg Paris, where the 'dépassements honoraires' charged by some specialists can be mindblowingly expensive - but for glasses/dental cover then it is probably wiser - at our age - to have 200% cover.Sue[/quote] I agree with you. At the risk of repeating myself, our GP is conventionne as are all likely specialists in the area, so at present I don't see the need for more than 100% cover. I fully appreciate that this can change in the future but I believe that if one monitors the situation then one can always upgrade in the future. Having had private dental care in the UK for many years (who can find an NHS dentist these days!) we're used to budgeting for this and came over well stocked up on glasses . Link to comment Share on other sites More sharing options...
KathyC Posted January 16, 2009 Share Posted January 16, 2009 [quote user="susie"]Hi Cooperlola,Yes, you are right about the company (CA) didnt know that they could not ask the questions. This is very difficult, I am in good health but as the lady at Newcastle told me today I will probably be able to go on my husbands E121January 2010 which is when my E106 expires as long as the French agree, she has given me a direct telephone number to call them if the French authorities disagree. But my husband will need on-going maintenance cancer treatment, twice a year, so before I take out any insurance how do I know what extra level I will need, if that makes any sence to you. I cannot get head around more than 100%. Susie[/quote] Apologies for muddying the situation even further, but if your husband is having ongoing cancer treatment then he may well be able to be assessed as an ALD which will give him 100% of his cancer care and, in this case, 100% will mean exactly that. Link to comment Share on other sites More sharing options...
sueyh Posted January 17, 2009 Share Posted January 17, 2009 Make sure the mutuelle covers dentist and opticians as we have paid out about 1000 euros for dentistry (essential - non cosmetic) in the last two years and only got the CPAM money back and this was from a well know english mutuelle!Suey Link to comment Share on other sites More sharing options...
KathyC Posted January 17, 2009 Share Posted January 17, 2009 [quote user="sueyh"]Make sure the mutuelle covers dentist and opticians as we have paid out about 1000 euros for dentistry (essential - non cosmetic) in the last two years and only got the CPAM money back and this was from a well know english mutuelle!Suey[/quote] But you'd have to pay that in the UK anyway and dentistry costs are much cheaper in France. Many people put aside the extra that they save by having a non dentistry policy and do the same for optical costs. Link to comment Share on other sites More sharing options...
sueyh Posted January 17, 2009 Share Posted January 17, 2009 Yeah but the 1000€ was to put right a mis-diagnosis made in England. At least in France you get good treatment for your money or have we just been very very lucky with our dentist, doctor, etc.Suey Link to comment Share on other sites More sharing options...
susie Posted January 17, 2009 Author Share Posted January 17, 2009 Hi KathyCthanks for that, I forgot about the ALD's, I have just looked at the list and you may well be rightSusie Link to comment Share on other sites More sharing options...
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