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The only change comes when you reach UK retirement age (65 for men; 60 for women born before 1950; 61 for 1951 up to 65 for 1955) when you go onto an E121 and the UK once again pays your health contributions (the 8% of your RDV) to the French state.  Whether your covered 100% by the French system is entirely dependent upon the nature of the condition (broken bones, for example, would not be covered).
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Very true, but I did think this was where the confusion may have arisen in the first place and that the o/p was confusing the contributions that are made to their CPAM with the top up insurance costs.

Whatever - do not cancel your top-up insurance when you reach retirement age - the chances are you'll be eternally grateful for it!

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