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How to Register for CPAM coverage?

I have read all the questions and answers, many of which are very complex, but none similar to this one.

I am a 25 year old German citizen by birth (born overseas to a German parent), but have never lived in Germany and do not speak German. I have lived in the UK and USA and moved to France last year on my EU passport (no visa required). I have private health insurance. I am living off savings and am not employed/working. I also have American citizenship and UK citizenship but, to comply with EU laws, I entered France on my German EU passport. I will not be able to get an S1 from Germany, as I have never lived or worked there. I cannot get an S1 from the UK as these are generally only granted to retirees. The USA doesn't have an S1 equivalent.

As an inactive EU citizen, do I have to live in France for 5 years before I can be covered under PUMA or CPAM? Or, can I just apply for PUMA or CPAM now if I do so as a UK or USA citizen rather than an EU citizen? I'm just confused as to how this all works, as it seems strange that an inactive EU citizen has to wait 5 years (I think) to qualify for PUMA or CPAM, yet a US or UK citizen only has to wait for 3 months?

Can you please help me to understand this and whether, even though I am in France as an EU citizen, it is possible to still apply for CPAM/PUMA via my UK or USA citizenship to get faster coverage?

Thank you.

The Foreigner

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Betty

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Hello The Foreigner,

The information provided by CitoyenConcerné is correct.

To supplement this, if you hold European citizenship, that will be the citizenship taken into consideration when you apply for coverage.

There is a topic in English that I recommend you check out: How to be covered if I am not working and I am a European citizen ?

You can already apply for French health insurance coverage through the website: inactif-europeen.ameli.fr

I wish you a nice day.

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CitoyenConcerné

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Hi. So first of all, a clarification: PUMA is the public health insurance scheme in France, CPAM is the local office who is in charge of PUMA applications.

The key here is that to be eligible for PUMA, a person must be in regular situation regarding their stay in France. This means extra-EU citizen must obtain a residence permit and present that to CPAM. Getting a resident permit as an inactive person is definitely not easy.

EU citizens do not have the obligation to obtain a residence permit. But if they are inactive, their right to stay beyond three months depends on their ability to prove they have sufficient resources in order not to constitute an unreasonable burden to the social security system. If they can prove this, they can also be eligible for PUMA after the first three months of residence (there is a special registration procedure for that).

The 5 years term for an EU citizen is to become a permanent resident, so no longer subject to the requirement of "sufficient resources".

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