Health Insurance in France

Useful information for expatriates in France.

Capital City:  Paris
Total area:  551,695 km2
Population:  63,929,000 (2014)
Money: Currency Converter
Time Zone:  List of time zones by country
Calling Code:  +33 XXX

Practical Information:Wikepedia France

Health Product: Travel Insurance and Health insurance
Health Insurance information and Sanitary Risk: World Health Map
BLOG:  Expat Health insurance Information

Here is a brief description of the healthcare system in the country:

·      France has a universal healthcare system that is funded through mandatory national health insurance. It aims to provide comprehensive coverage to all residents.

·      The system is centered around Social Security, which residents pay into via salary deductions. It covers around 70% of healthcare costs.

·      Complementary private health insurance helps cover the remaining 30% and is often provided through employers as an employment benefit.

·      Primary care is delivered through general practitioners. Specialist visits require referrals except in emergencies.

·      Public hospitals provide broad inpatient and outpatient services either free or for nominal co-payments.

·      Per capita healthcare spending is one of the highest in the world at over 11% of GDP. The services covered are extensive.

·      Both public and private hospitals/clinics operate alongside one another and patients can choose freely between the two.

·      Universal access to high quality care is the priority, regardless of ability to pay or pre-existing conditions.

Here are some key health considerations for expatriates living in the country:

·      Enrol in French health insurance such as the Carte Vitale system within three months of arriving. Coverage depends on visa type/status.

·      Consider taking out complementary private health insurance as well to avoid costs not covered by public insurance.

·      Register with a local general practitioner to establish care and facilitate specialist referrals.

·      Learn some basic medical French terms to aid communication with providers who may not speak English fluently.

·      Understand prescription vs. over-the-counter drug rules which differ from other countries.

·      Supplement home medications as needed based on what public formularies cover. Pharmacies are conveniently located.

·      Note any out-of-pocket costs exemption thresholds for items like glasses/dental that may apply annually.

·      Monitor changes to health insurance eligibility if visa status changes (e.g. becoming unemployed).