The Importance of Planning Ahead
Every day that goes by we become more concerned about the way people arrive to take up residence in France without the least idea that they are moving into a completely new environment in which the ground rules and conditions are not the same as those to which they are accustomed at home.
This is not so important with regard to property insurance or car insurance, the regulations, and practice are much the same in all countries and these two risks are always the first concern. Health Insurance is equally important and because of the maze of European Union and national regulations, needs to be planned well in advance. The best and most cost effective method of obtaining health insurance cannot be “bought off the shelf” at a moments notice like a car insurance policy. Planning and action needs to be started at least three months ahead of moving to become resident in France.
The following questions are not unusual:
I am going to France to decide if I want to become resident and live there. How do I make sure I have adequate medical insurance during this period?
You should apply for the new European Health Insurance Card (EHIC). This replaced the E111 in June 2004 and provides much better cover than the old E111. It is available at post offices in the UK and is still called the E111. It will no longer be valid for an indefinite period; the termination date will be 31st December 2005 when it will be replaced by a plastic card.
The old E111 without a termination date is no longer valid and the French authorities may refuse to recognise it. You must make sure you have the new version.
Can I use this new version for holidays or visits to my holiday home in France?
Yes you can provided you do not stay for more than 6 months. ? However, you should be aware that although the new EHIC/E111 provides much better cover than the old E111, in another member state you are treated as a citizen of that state and in France the reimbursement you will receive averages between 60% and 70% of the cost of treatment. If you are here for any length of time it is advisable to take out a Top-up policy to bridge the gap, which under some circumstances can be costly.
Can I use the E111 if I decide to become resident in France?
No you cannot. As soon as you are here to stay your E111/EHIC is invalid as you are no longer a visitor, you are a settler.
You should note also, that the use of the E111/EHIC is defined as: “Any necessary medical treatment arising during a temporary stay in another member state.” The words “arising” and “temporary” are significant. The implication is that you cannot elect to come to France especially for an operation or medical treatment. That is termed “elective” treatment and for this you need an E112.
I have covered the use of the E111/EHIC at some length, as it is important. Some controls have already been applied and more are under consideration. The EU announcement contains the words “to greatly facilitate exchange of information between MS’s and reduce the risk of error, fraud and abuse.”
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