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Health care costs

Hi
I am a French citizen living in uk with a pacs partner who is British. We are in the process of restoring our French home in order to retire to France. I am 64 my partner 67.
In the past we have always travelled fully insured with ghic card, my partner is now suffering from cancer so insurance may be impossible, and until we move to France a mutuelle is also not possible.
Can I ask what the effect of the ghic cost is and what the charges are should either of us need emergency treatment, either medical or accident related.
I am unsure if treatment for her cancers are 0% charge, or indeed what any % charges are for emergency treatment as I have worked in Britain for my whole working life.
I fact I don’t know much at all about the French system having only been treated by the nhs in the uk before.
So any advise on this would be gratefully received.

Phil

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Hello Phil,

You will not be able to apply to French health system under protection universelle maladie (PUMa) scheme until you permanently live in France. 

I invite you to contact your and your partner health insurance to know what your European card take in charge during when you stay temporarilyin France, especially regarding your partner treatments linked to a long term disease. 

Have a nice day. 

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Elryn

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You must keep your insurance the 3 first months after you move in France because as you never worked in France, you must live in France since 3 months to apply to French system.

As soon as you are there since 3 months, you can apply to French sécurity social. There Will be few weeks to register you.

Phil

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I am not moving to France, I am restoring the house and until that is ready I am resident in uk, taxed in uk and covered by uk health benefits including a ghic. What I don’t know is what the rules are and what the contributions are for different things.
But I am surprised if a French national can not apply for French social membership of all sorts immediately.

Elryn

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If you don’t live in France = no rights. Nationality is not providing anything. You must live or work in France to have some rights.

You have to ask your UK insurance about how they will manage cost in France

Phil

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Elton is Wrong, ghic card gives you the same health care rights as a French resident- paid for by the uk government for emergency treatment.
And to Geraldine, the ghic is a government thing arranged between French and uk government to give Uk residents the same emergency cover at the same cost as French citizens. Just like French residents get in the uk under the same agreement.
As it’s a government thing they just state the national agreement terms, ie same emergency cover/costs Asa French resident I just don’t know what those rights/costs are.

The UK Global Health Insurance Card (GHIC) lets you get necessary state healthcare in the European Economic Area (EEA), not only France.

Therefore, you must ask the organisation providing you this card how you should be covered during your stay in France.

Have a nice day.

Elryn

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We are not wrong. We never say you cannot access to health care. Only that it will not be french system which will manage but your GHIC

Phil

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The effective organisation that provides cover is the French state healthcare system, as ordered by the French government due to a reciprocal international agreement. The cover is “as provided by the state healthcare system to French residents” the uk government only knows it is “as provided by the state healthcare system to French residents” and does not know the details. It’s easy for French residents using the agreement in the uk as there are no charges. The point of the question is what are the charges for French residents in France under the French state healthcare system, as that is what the ghic card provides, and yes it’s across Europe but only as per residents of each country. The uk government who are the card issuer do not know.
it is not a mutuelle or insurance it is access to the state healthcare system in France through the international agreement between the uk and Europe, the same terms after brexit as before brexit.

Elryn

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But you said you won’t be French résident!

Elryn

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As you are not clear about your situation, I will let you see the CLEISS website (you can put it in English) so that you can search for the information that really corresponds to your situation and not to what you say and then change.
https://www.cleiss.fr/

Elryn

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after that maybe your question is just poorly phrased in relation to how the French system works.

at the public hospital your GHIC card will allow you to pay nothing.

in a private hospital not necessarily (because there are remaining costs but impossible to tell you how much).

for a city doctor/pharmacy etc, you will have to pay and be reimbursed either on site by the local CPAM (there may also be a non-reimbursed part). or by the NHS upon your return. but all this is up to the NHS to explain to you.

Phil

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And the first comment on cleisse confirms what I have already said….
‘By presenting your GHIC (Global Health Insurance Card) to healthcare providers in France, you will be covered under the same conditions as the members of the French scheme.”
It then talks about in some cases flat rate in some cases 80% of fees in some cases Hospitalisation costs are generally covered at the level of 80% (100% in some situations, notably from the 31st day of hospitalisation).
The member is liable to pay a daily flat rate of €20 per day of hospitalisation (€15 in psychiatric departments).
For some major procedures, a flat-rate contribution of €24 applies. this in some cases that., which is always the problem, it is not specific. If you use the system you get to know what fees and when, and what percentage gets refunded etc etc. If you have never used the system you do not. Until I am resident in France I would only use it for emergency services- automobile accident or heart attack type stuff.
For instance here is another quote,
‘ Hospitalisation costs are generally covered at the level of 80% (100% in some situations, notably from the 31st day of hospitalisation).
The member is liable to pay a daily flat rate of €20 per day of hospitalisation (€15 in psychiatric departments).
For some major procedures, a flat-rate contribution of €24 applies.’
So is reimbursement 80% of the €20 euro a day, probably not.
80% of the medical procedure costs, is there no limit on what a patient is required to pay? And do you have to pay before release….
And what procedures have a flat rate? When is reimbursement 100% before 31 days
When you consider the position of a French resident in uk it’s simple, no charge at point of treatment.
With a uk ghic in France, it’s not clear, when is it fixed contribution, when is it 80%, when is €20 per day charged.

Fanny

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Hello Phil,

If you need to use your Global Health Insurance Card for un anexpected hospitalization, you will not have to pay what is covered by the French healthcare system but as you can read in our ameli page entitled "Hospitalisation : votre prise en charge" there are some fees that you have to pay out of your pocket.

For more informations, I invite you to read specifically the section called "Les frais d'hospitalisation et leur remboursement".

Have a nice day.