Healthcare in France is of a very high standard following several years of key governmental investment. However, the system is very different to that of the UK and any British expatriates needs to be mindful of these differences. If you are under British retirement age, you are free to move to France but unless you are working or have special privileges then you will need to comply with the European Directive stating that you must obtain and maintain comprehensive medical insurance for a five year period. After this period, you qualify to join the French Healthcare System, which in itself is distinctly different to that of the UK’s NHS. In the main; the state will reimburse up to 80% of the cost of your healthcare needs, the remaining balance can either be self funded, or as most French residents do, to take out Top Up Insurance. Top Up insurance being based upon only 20% of the cost is therefore very cost effective, equally, so it can dove-tail with the French NHS/CMU, there are no exclusions regarding ongoing or previous medical history. Therefore, Top Up insurance has no underwriting nor age restrictions, whilst remaining financially attractive.
Healthcare France . com is managed and maintained by Essential Health & Medical Ltd, a UK based specialist intermediary. The plan behind the website is to offer both a window on expatriate living in France as well as a selected portfolio of insurance plans designs to meet all sorts of needs in France. Whether you are have a second home and visit regularly, are planning to move to France or are already in France; we have a plan to help meet your needs and circumstances.
The Healthcare France portfolio includes Travel Insurance which is available to both UK and French residents and is available as a Single Trip or Annual MultiTrip plan. The European Annual Multi Trip is very popular as it represents fantastic value for money. EHIC Top Up Cover is also available to bolt-on to an existing and valid European Health Insurance Card (EHIC), this provides a comprehensive medical coverage while in France which also accommodates Pre-Existing Medical Conditions which would otherwise be excluded or premiums loaded… As this plan has no upper age for joining, it provides a convenient and comprehensive medical coverage while visiting France (UK EHIC holders only).
Full Medical Health Insurance is a legal requirement in many instances when moving to France. When this rule was initially introduced, the requirement was for ‘comprehensive’ medical insurance coverage, however in recent years, these requirements have relaxed with many people enjoying basic coverage to help manage the budget. Medical insurance is designed to cover acute medical conditions that should arise. Many expatriate plans also include benefits toward chronic and long term conditions also.
Should you require Financial protection whilst living in France, we are also able to arrange coverage for Life Insurance, Accident Insurance, Income Replacement, and by referral, pensions and investments. (we do not advise pensions & investments in any capacity but are happy to refer you to a market specialist.