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Do I really need top up health Insurance

Posted by Farthing - Created: 4 years ago
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10 replies (Showing replies: 1 to 10)

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Posted by MoutonRouge-437553 - 4 years ago

I'm probably only repeating what's been said, but we've been here 10 years and our top up insurance has been worth every penny.  If you have lots of money in the bank that you don't mind using for an expensive hospital stay or MRI etc. then you might choose, like any insurance, not to buy it.  I spent two weeks in hospital, inc. a week in intensive care - totally unexpected - it was such a relief to know it was all paid for.

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Posted by Philealing - 4 years ago

I have to have my first ever MRI this week. I needed to buy an injection from the local pharmacies which I need ahead of the MRI. The cost of the injection alone was over €100 (Yes, 70% back on the carte vital)  Hate to think how much the MRI will cost. I went straight from the pharmacy to my local insurance agent to ask for quotes for mutuelles.

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Posted by Harry Dresden - 4 years ago

We pay 150€ amonth for a top up mutuelle for the 2 of us and one son at lycée - covers most things apart from dental care!

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Posted by Chrispy-108529 - 4 years ago

63

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Posted by Foxie-986308 - 4 years ago

Chrispy, it depends mostly on your age when you take the policy out. If you're over 60 or 70 when you first take out a policy, you would be doing well to get a policy for it for as little as that. 

Mutuelles are by law not allowed to take pre existing conditions into account - all they can do is fix a price for each age band and sex, regardless of medical history.

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Posted by Chrispy-108529 - 4 years ago

Where do people get their cost estimates from? My wife and I pay @ 500 euro per annum for the two of us for generous Hospitalization cover! No questions, no pre existing exclusions. No cover for teeth or eyes. No bills for extras.

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Posted by Harry Dresden - 4 years ago

to poster DN -

No we have not had to pay these because we are fully covered as we work here and have state healthcare + a top up insurance from AXA.

However, we did have to pay 90€ for the blood test for eldest son as he was picked up in Angers messing around with his mates from uni and they were all hauled off to the hospital for blood tests to see if they had been taking drugs. This was not covered by the state naturally.

The 900€ for the stomach being pumped was for one of his friends who was a student from Tahiti who over indulgd at a fresher's party and he had to go to the Urgences. He was not covered by SMEBA so his parents had to pay up. Food for thought - the ambulance wouldn't take him because they said it was self inflicted and when our son eventually managed to get a taxi to take him he said only if our son would clear up any mess he made!

Someone we got to know had not registered with the MSA for breeding racehorses got trampled by one of her mares (easily done) and ended up with a bill for 66 000€ for a life saving operation and hospital care.

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Posted by anglogallois - 4 years ago

You are not really paying for my treatment! I worked a full career in the UK and retired in France with a UK state pension and got a Carte Vitale. My healthcare costs are being paid by the UK government, except that I am paying part of the medications and I'm paying the flat fee ffor each GP consultation (which I wouldn't be doing in the UK if I could get a consultation). My wife works here and pays the usual healthcare contributions in France. I also pay some CSG (Charges Sociaux) on income received from some investments in the UK on top of UK income tax plus French income tax on property letting in France. I won't go into exact details here but we also paid a huge sum in UK IHT, and there will be more on my death, so in fact we are carrying the burden of considerable taxation. In the UK I hardly used the NHS as I paid for private healthcare so if you take my whole life span my family has paid in considerably more than we have received.

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Posted by Foxie-986308 - 4 years ago

The current proposals / discussions for changes are here

http://www.vie-publique.fr/actualite/panorama/texte-discussion/projet-loi-relatif-sante.html

- I don't see anything about introducing new obligations for individuals?

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Posted by Foxie-986308 - 4 years ago

Just to add, I think I must have been living in France too long and the socialism is getting to me - because I don't actually mind the fact that I'm in effect paying for anglogallois' treatment. We pay in, knowing it might be him that claims the money back or it might be me or it might be you. As it happens I've been lucky so far and he's been less lucky. I don't begrudge that, I certainly wouldn't want to need a lot of treatment, just so that I can say I got good value from my insurance.