Rich1972 Posted April 21, 2008 Share Posted April 21, 2008 Hi allCan anyone offer a definition of what 'comprehensive health insurance' means? I've read that basic health insurance isn't enough if you don't qualify for a carte vitale, you need 'comprehensive health insurance' (I'm (well) under 65, and was planning on renovating my house for 12 months before working so I'll need 100% insurance). What does this mean in real terms? Does it mean 100% cover for every single thing, from prescriptions to dentistry? What is the minimum cover for 'comprehensive'? It seems very confusing.Rich Link to comment Share on other sites More sharing options...
woolybananasbrother Posted April 21, 2008 Share Posted April 21, 2008 Noone knows. Nor does it exist. However a cynic has said that even men have to have maternity cover.Where did you read that basic health cover was insufficient and what was it? Link to comment Share on other sites More sharing options...
Clair Posted April 21, 2008 Share Posted April 21, 2008 [quote user="Rich1972"]Can anyone offer a definition of what 'comprehensive health insurance' means?Rich[/quote]See here: http://www.frenchhealthissues.eu/insurance/insurance_1.htm Link to comment Share on other sites More sharing options...
Rich1972 Posted April 21, 2008 Author Share Posted April 21, 2008 HelloWell the link Clair kindly posted (thanks!) uses the phrase 'comprehensive sickness cover'! It's one of those phrases I've come across a lot while looking around online. As the information in the link says, the government definition of 'comprehensive' is so strict that hardly anyone would get insurance if you followed the letter of the law. [:'(] So what do I do?? Just go for basic (I'm 36) and hope for the best? As if moving to France wasn't complicated enough... [8-)] Link to comment Share on other sites More sharing options...
woolybananasbrother Posted April 21, 2008 Share Posted April 21, 2008 Get a job? Link to comment Share on other sites More sharing options...
Russethouse Posted April 21, 2008 Share Posted April 21, 2008 If you have been working you may be entitled to an E106 which can last up to 30 months.....http://www.frenchhealthissues.eu/ Link to comment Share on other sites More sharing options...
NormanH Posted April 22, 2008 Share Posted April 22, 2008 [quote user="Rich1972"]Hi allCan anyone offer a definition of what 'comprehensive health insurance' means?[/quote]Probably something which covers both the part usually paid by the Sécurité Sociale (the amount depends on what is beibng paid for, but can be about 70% of the cost) and the part that needs 'topping up' for which many people have a 'Mutuelle' paid privately. Link to comment Share on other sites More sharing options...
Boiling a frog Posted April 22, 2008 Share Posted April 22, 2008 Comprehensive medical assurance as defined by the French Ministry of Social Security has to include all the elements that you would benefit from if you were affiliated to the French health system.As the top up element is purely voluntary comprehensive medical assurance does not have to give 100% cover for everything Link to comment Share on other sites More sharing options...
cooperlola Posted April 22, 2008 Share Posted April 22, 2008 [quote user="Rich1972"] HelloWell the link Clair kindly posted (thanks!) uses the phrase 'comprehensive sickness cover'! It's one of those phrases I've come across a lot while looking around online. As the information in the link says, the government definition of 'comprehensive' is so strict that hardly anyone would get insurance if you followed the letter of the law. [:'(] So what do I do?? Just go for basic (I'm 36) and hope for the best? As if moving to France wasn't complicated enough... [8-)][/quote]You have to follow the links in the page which Clair has given you, but the full details are there. If you follow it though, you get to THIS LINK which details what the requirements are. But basically BaF is correct : Drugs, doctors' visits, hospitalisation, out-patient treatment, dental, optical.... even maternity must be covered!!!But R/H is right, if you've worked in the UK and have an NI contributions record, then you should get an E106 to cover you for at least a year. Link to comment Share on other sites More sharing options...
Owen Posted April 25, 2008 Share Posted April 25, 2008 Hello Rich,If you are unable to affiliate via an E Form and therefore require private insurance you should apply common sense and act in good faith and you will be OK. So if you are in general good health you may only require cover for the potentially expensive stuff such as hospitalisation. This of course is far from the definition of "comprehensive". But taking out such cover and paying for any minor treatment out of you own pocket ie; not a burden on state, you would be deemed as acting in good faith.RegardsOwenpjowen@expathealthdirect.co.uk Link to comment Share on other sites More sharing options...
Recommended Posts
Archived
This topic is now archived and is closed to further replies.