E106 Expires

[Dc]

Our E106 expires at the end of this year. Can anyone explain what we have to do to continue cover without all the emotion posted on other topics. We are both under retirement age with a capital sum in the bank and just happen to like living in France. If anyone out there can explain in simple terms what we need to do, it would be greatly appreciated.

regards

dc

 

[Montybird]

Hi dc,

Our E106 also expires at the end of this year.  I went to our Security Social dept last week and was given a form to complete to apply for CMU (Couverture Maladie Universelle).  I've been asked to produce the following documents when I return with the completed form:

2 Successive EDF factures, Birth Certificates, Marriage Certificate, Last P60 & P45 received, Any proof of income for France and foreign, Proof of interest and any savings either french or foreign, attestation from The Pension Service - Newcastle confirming you are no longer entitled to E106 & Relevant ID from your bank(s).

This may of course be different in your area.

bonne chance.

[Ron Avery]

The key document in all this is the letter from Newcastle which states you are no longer covered by an E 106.

As you already have an E 106, this should arrive automatically in the next few weeks.  It is wise to take all the documents Jules has mentioned particularly the Avis d'impots for 2004, but you should not need some of the others if you already have a  carte vitale, but you never know

[Mersons]

Don't rely on Newcastle sending you the letter to say you're no longer covered.  We didn't get one and we ended up over-running the date because we forgot it was due to end.  So we had no cover for a couple of months before we realised the E106 was finished.  Better to phone them and ask for it.

When we received our form from CMU we were asked to enclose our Avis D'impôt on the previous year's income, photocopies of birth and marriage certificates, photocopies of our cartes vitale and most recent EDF bill (of course). 

After a while you'll receive a letter telling you what your quarterly payments will be.  You may get new cartes vitale but more probably you'll just have to update the ones you have in one of the green machines.  Then you'll receive a bill every quarter from URSSAF for your health cover, based on your previous years income as on your Avis D'impôt.  We've received a form every year since to complete and enclose a copy of our most recent Avis so that they can reassess our payments.

Depending on the efficiency of the office in your area, you may find that you'll have to phone and chase them up a few times, and they may lose the odd copy of your documents and ask you to send it again.  I had to send our marriage certificate four times before we got our cartes vitale.  Good luck!

Sheila

[Margie]

Both my husband and myself had our application for E106's refused as we had not worked in the last 3 years. We have in fact been in France for most of the 3 years doing up our property. Now that we are here permanently what should my next step be? Is private health insurance our only option?

[Ron Avery]

If you have been for most of the last three years as you put it, and by that I assume you mean more than 183 days in each year, you have been resident for the last three years and you should have applied for an E 106 before you came here three years ago, not now.

There is no such thing as private health insurance  in France although some may argue the point., You HAVE to register with the French health system and depending on earnings you will have to pay about 8% of your last year's income

If you have "in fact been in France for most of the 3 years doing up our property" you will have a lot of explaining to do if you have not filed a Tax return in that time as the two systems are linked, and as entry into the French health system is based on declared income, usually last years tax return is required, although they will accept a signed declaration of income. 

[Quillan]

[quote]Both my husband and myself had our application for E106's refused as we had not worked in the last 3 years. We have in fact been in France for most of the 3 years doing up our property. Now that we ar...[/quote]

Now you have finished your house what do you intend to do, especially for a income? If you are going to register to do some form of work here or if you husband is going to work for a company in France you will have to compled a tax return in France which comined with the letter of refusal for your E106 and the documents previously mentioned you should be able to enter the French tax system.

As has been said this is something that you should have done when you fist came to France but then thats all water under the bridge.

There is a guy who contributes to this forum on occasion and who writes in our magazine and has a company called Expat Healthcare or something like that. His name is Peter Owen (forum name Owen) and he is very helpful. He obviously charges but then he can save you a lot of grief and possibly money. He helped me when we first came and was very good. If you spend 30 minutes searching through this part of the forum you are bound to find him somewhere.

[Will]

Things don't quite add up - most people who have been in France for three years will have had to obtain a carte de sejour - the requirements for this changed only about two years ago. Part of getting that was proof of health cover, e.g. through E106, private insurance or whatever. Or maybe the questioners were not then permanent residents and are only now taking up residence - in which case you need to visit your CPAM offices, with the documents listed, in order to join the system.

It does sound as if you may need the advice of a specialist, as mentioned above, to sort this out.

[Moulin Neuf]

We have today received a form to fill in (expiry of E106) and have been asked to send

form filled in

2 x carte vitale

bills proving residence

l'avis d'imposition (annee 2004

justifcation of pension, salary or unemployment etc plus revenue from savings and lettings

tax d'habitation 2005.

We are living on a non-state pension as my husband is 56 years old. Can anyone please answer this question - I understand that we pay 8% over an allowance for medical care - is this 8% of pension, or is it 8% of pension plus savings interest etc.  If it includes letting a property - is it on net letting or gross letting?  Please help.

Jan

[Ron Avery]

What you pay is assessed on the gross income i.e. pension + interest + rent received, that you put on your French tax form for 2004.  They will know what you declared as the CPAM and Impots systems are linked.

[Quillan]

[quote]We have today received a form to fill in (expiry of E106) and have been asked to send form filled in 2 x carte vitale bills proving residence l'avis d'imposition (annee 2004 justifcation of pens...[/quote]

Your husband will probably be paying tax in the UK on his pension. Therefore he will get a P60. You will need this to deal with the French tax and CPAM. If he has got one it will not cost you much. A friend of mine receives a very good company pension and pays around 1200€ per year towards health care here in France plus his top up insurance.