no hospital cover with E106?

[victoria]

Can  anyone shed any light on this one:  We have our attestations that we got through E106, (husband works in the UK and pays NI there but we are resident in France).  However, after a trip to the local insurance office to see about top-up insurance, the insurance lady said there is something odd on our attestation. Under beneficiaire(s) it states the following:

Hospitalisation et soins ext. hors budget golbal

followed by our names and DOB.  A friend (with perfect french!) called CPAM today and they said we are not covered for hospitalisation, only for doctors, prescriptions and out-patient treatment. As you can imagine this has thrown us into a bit of a muddle. One would presume having given up all rights to NHS treatment we would be covered under the reciprocal agreement between the UK and France.  We have also had no problem with CPAM giving us a european health card so we are covered if we fall ill in the UK, but not apparently in France!  I am going to phone Newcastle tomorrow to see if they can clear this up for me but any advise or help would be gratefully appriciated.

Also our attestation runs out on the 3rd July this year, we are well with-in our 2 years of cover (as we still work and pay NI contributions in the UK does this continue ad infinitum?) when would you advise we start to ask for a renewal?  As our local CPAM office took our E106 and I cannot remember what date was on it, do we need to ask for another one from the inland revenue?

Thanks,

Victoria

[Ron Avery]

As far as I know nobody's E 106 covers them fully for hospital charges, you are only covered for the treatment and the staff.  The room, food etc are covered by your top up insurance.  The costs of a hospital stay are why a lot of people have a top up as these charges can be very expensive.

[5-element]

Aren't they 16 euros per day, going up to 17 euros shortly???

[victoria]

Can  anyone shed any light on this one:  We have our attestations that we got through E106, (husband works in the UK and pays NI there but we are resident in France).  However, after a trip to the local insurance office to see about top-up insurance, the insurance lady said there is something odd on our attestation. Under beneficiaire(s) it states the following:

Hospitalisation et soins ext. hors budget golbal

followed by our names and DOB.  A friend (with perfect french!) called CPAM today and they said we are not covered for hospitalisation, only for doctors, prescriptions and out-patient treatment. As you can imagine this has thrown us into a bit of a muddle. One would presume having given up all rights to NHS treatment we would be covered under the reciprocal agreement between the UK and France.  We have also had no problem with CPAM giving us a european health card so we are covered if we fall ill in the UK, but not apparently in France!  I am going to phone Newcastle tomorrow to see if they can clear this up for me but any advise or help would be gratefully appriciated.

Also our attestation runs out on the 3rd July this year, we are well with-in our 2 years of cover (as we still work and pay NI contributions in the UK does this continue ad infinitum?) when would you advise we start to ask for a renewal?  As our local CPAM office took our E106 and I cannot remember what date was on it, do we need to ask for another one from the inland revenue?

Thanks,

Victoria

[suein56]

[quote user="victoria"]

Hospitalisation et soins ext. hors budget global

As our local CPAM office took our E106 and I cannot remember what date was on it, do we need to ask for another one from the inland revenue?

Victoria [/quote]

I can't help with the lack of hospitilisation cover - sorry -  other than to say it does seem v strange. But can I suggest that you do contact Newcastle and get, at the very least, a copy of your current E106 so you know that it is OK. It could just be an administrative error on the part of CPAM - it is not unknown.

My main concern is your not having a copy of your E106 - Teamed Up gave superb advice some time ago about never, ever, sending off any official letter from anybody to anybody else without keeping a copy for yourself.

Sue

 

[Ron Avery]

 Aren't they 16 euros per day, going up to 17 euros shortly???

 What are you talking about???????? 

[Ron Avery]

Se replies under http://www.completefrance.com/cs/forums/911887/ShowPost.aspx#911887

 

its not very strange at all[:'(] Hospital charges are NOT covered by an E 106 that is what you have top up insurance for[:'(]

[5-element]

Very sorry for being obscure,

I was talking about the daily charge for a hospital stay, i.e. the bed and board part which is not paid for by the Secu, and this is 16 euros per day.Am off topic????.

[Llwyncelyn]

Hi Ron please do you not think that a 'please' would be in order and at the end of your question.  As to is it  eight question marks that is akin to upper case and thus shouting.  Of course I could be very and very pedantic and 'talking about' does not apply in this case.

Dignity is everything

rdgs

 

[Katieb]

Just for info, we have just received a hospital bill for my daughter's stay in hospital last month. We owe about 7euros for the bed each night and extra for our meals - between 3.50 - 6.50euros depending if it was breakfast/lunch etc. My daughter's treatment, care and hospitalisation was free, our expenses are not huge for the 5 night stay, but we did wonder why so many parents did not stay with their young children over night or even during the day. To be honest, i happily pay this small amount to stay with my daughter in a comfortable room as opposed to sleeping in an armchair and not being offered any food or drink when she has been hospitalised in England.

Kate

 

By the way, for our sins, we do not have a top-up insurance...........yet!

[Russethouse]

Both threads on this topic have been merged.

[Me0wp00]

I've got the same on my e106, I'd also phone newcastle asap as I know they have a backlog and were working weekends to try and clear it, but in my case dh was rushed in with gallstones and the hospital admin phoned and asked how I was paying for the difference between e106 and the bill, they said it would be lots so I rushed and got a top up, only to find that we were not asked to pay for anything at all. (he was in hospital 5 days) I had a baby here and thought i'd pay room, board and for epidural - no charge

my son had grommits and we were told it would cost us 200e as he'd need the room for a day but in the end no charge.

So  I wouldn't worry too much about the wording. We pay the difference on the medicines, doctors and specialist charge, x rays etc etc but as yet no hospital charges.

[Sunday Driver]

I suspect the insurance clerk has misunderstood things, and when contacting your CPAM, something has been blurred in the translation.

"Hospitalisation et soins external hors budget global" is the standard phrase included on attestations issued to holders of form E106.  As it says, it covers hospitalisation and external care.  Reimbursements are up to the tariff  limit and the remainder is called the ticket moderator (the bit you have to pay).  The "hotel" costs, eg food etc, are covered by a fixed daily charge which is at your expense.  So, in practice, CPAM cover the treatment fees and your top-up insurer covers the rest.

Rather than phoning Newcastle (who probably won't have any idea of the actual arrangements here in France) you could phone the English speaking CPAM helpline for confirmation. Their number is 0820 904 212 (during office hours)

 

 

[Ron Avery]

Hi Ron please do you not think that a 'please' would be in order and at the end of your question.

Response deleted

[victoria]

Thanks to all for the helpful response.  CPAM have been contacted again this morning and have confirmed that we are covered for all Sunday driver has mentioned.  This seems to be yet another case of the CPAM office in 47dept. being exstremly unhelpful.  This is not the first time we have been given totally contradictory information and it is not an issue with language as my friend who has called on my behalf has lived in France since she was a child and is a trained linguist.  She had the first person repeat to her 3 times that we were not covered for any hospital treatment!  We have been told by the local French citizens advice office that 47 is notorious for not welcoming newcomers and creating even more problems than usual.  Does anybody have the same experience?

Please take heed and if you think you are being given incorrect information try, try again!

Thanks again.

Victoria

[5-element]

double post deleted..

[5-element]

[quote user="victoria"]

 We have been told by the local French citizens advice office

Victoria

[/quote]

I have always been under the impression that in France there is no such thing as a Citizens Advice Bureau - could it be that there is one where you live? If there is, I might consider moving there...[:)]

Or do you mean, the CCAS? (Centre Communal d'Action Sociale) which is, unfortunately, not the same as CAB.

[Llwyncelyn]

Ron you undoubtedly have a problem with my posting.  Thus please feel free to just let rip and let me known what you think.  I will not duck and dive so its up to you on this listing and in a framework thats allowed or off record.  Up to you.  I still think please and thank you are less well utilised nowadays.

[Sunday Driver]

It's not clear from Victoria's remarks whether this is a case of an individual providing incorrect information about benefits on this specific occasion (perhaps due a lack of training) or whether this is a collective approach.   If staff at the Lot et Garonne office are exercising some form of co-ordinated discriminatory action against a particular section of the public, then that is clearly a serious situation which needs to be brought to the attention of senior CPAM management.

 

 

[Ron Avery]

Ron you undoubtedly have a problem with my posting.  Thus please feel free to just let rip and let me known what you think.

"

I have a real problem with people who trawl through posts to make petty and  irrelevant  comments that add nothing to the thread. OK?

I try to post to help people and the post I queried was in my opinion obscure in the extreme, in a complicated issue like the one on discussion here it needed clarity and above all accuracy.  If I was brusque to 5 E I apologise, but I don't need the Thought police following me round the Forum thanks.

[5-element]

RA - Thank you for your apology, I had been puzzled but not over-offended by your response to my comment, which I mistakenly thought was clear at the time.

I don't see myself as trawling through posts to make petty and irrelevant comments, and I would even agree with you that sometimes those are a drag.

I post to help people (or pm them) whenever I can too....with this particular issue, I really believed that due to my repeated exposure and close encounters with hospitals, medics, clinics, CPAM and Mutuelles (including several blunders), my statement that a day's stay in hospital is charged 16 euros across the board was meant to be... informative, and quite relevant. I also believe it is accurate. Isn't it?

 

[Patf]

When I was in hospital last year it was 15 euros per day for a double room and 18 for a single room. There was some complaining going on at the time as some people said single rooms should be charged at the same rate as doubles, but this didn't come to anything. By the way while in hospital I was worried that my health insurance wouldn't cover all the hospital costs and asked for an appointment with the " almoner." Can't remember french name. She made some enquiries and finally said she didn't know but thought I would probably be ok! Pat.