France is a popular destination for expats due to its culture, history, and high standard of living. While the country has a state-funded healthcare system, it is important for expats to be aware of their health insurance options. In this article, we will explore the health insurance requirements in France, the state health insurance system, how to apply for it, and the advantages of international private medical insurance.
Health Insurance Requirements in France
In France, health insurance is mandatory for all residents. This means that expats living in France must have health insurance to ensure they have access to quality healthcare services.
State Health Insurance System in France
The state health insurance system in France is known as the French National Health Insurance (FNHI) or the Sécurité Sociale. It is a public insurance program that covers all residents of France, including expats. The FNHI system is funded through payroll deductions from employees and employers, as well as contributions from self-employed workers.
What does it cover?
The FNHI system provides comprehensive health coverage, including medical consultations, hospitalization, diagnostic tests, prescription drugs, and preventive care. The system also covers maternity care, dental care, and rehabilitation services. In addition to healthcare coverage, the FNHI system also provides disability and life insurance benefits.
How to Apply for State Health Insurance in France
Expats living and working in France must register for the FNHI system. Here are the steps to follow:
Obtain a Social Security number: To register for the FNHI system, expats must first obtain a Social Security number from the French government. This can be done by visiting a local Social Security office and providing documentation such as a passport or national ID card.
Register for health insurance: After obtaining a Social Security number, expats can register for health insurance by completing an application form and providing documentation such as proof of residency and income.
Choose a health plan: The FNHI system offers several health plans, and expats can choose the plan that best suits their needs.
Make contributions: After enrolling in the system and choosing a health plan, expats must make monthly contributions based on their income. Contributions are automatically deducted from the employee’s salary if they are employed.
Receive Carte Vitale: After enrolling in the system and making contributions, expats will receive a Carte Vitale, which they can use to access healthcare services.
Advantages of Private Insurance
While the FNHI system provides comprehensive healthcare coverage, expats living in France may also consider purchasing international private medical insurance. Here are some advantages of international private medical insurance:
More comprehensive coverage
International private medical insurance can offer more comprehensive coverage than the FNHI system. This can include coverage for elective procedures, alternative therapies, and treatments not covered by the FNHI system.
Access to private healthcare facilities
International private medical insurance can provide access to private healthcare facilities, which may offer shorter wait times and more personalized care.
Portability
International private medical insurance is portable, which means that it can be used in other countries. This can be an advantage for expats who travel frequently or plan to relocate to another country in the future.
English-speaking assistance
Many international private medical insurance providers offer English-speaking assistance, which can be helpful for expats who are not fluent in French.
Health insurance is mandatory for all residents of France, including expats. The state health insurance system, the FNHI, provides comprehensive healthcare coverage for all residents of France. Expats must register for the FNHI system by obtaining a Social Security number, completing an application form, choosing a health plan, and making monthly contributions. Additionally, expats may consider purchasing international private medical insurance for more comprehensive coverage, access to private healthcare facilities, portability, and English-speaking assistance. By understanding their health insurance options, expats can make informed decisions about their healthcare needs while living in France.
