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Top up insurance


susie

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Hi ya

I 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

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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.

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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.
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Hi ya

yes, 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

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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 you

Susie

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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.

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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

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[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

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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]

 

 

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[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 .

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[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.

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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

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[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.

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