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Health insurance

Posted by Paulel - Created: 3 years ago
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10 replies (Showing replies: 1 to 10)

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Posted by geegee42 - 3 years ago

Yes dentists ,glasses,hearing aids,although caps and some false teeth are reimbursed if deemed essential, but two or three weeks in hospital at a couple of grand a day and 65% cash back can soon mount up,that's why most French go for the minimum hospitalisation top up.

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Posted by janes-394036 - 3 years ago

Hi Paulel

As Exmansworthy says it is complicated. Some clinics and some specialists charge more than the state reimburses, although in my experience this is rarely for major illnesses such as cancer and never the kind of percentages that geegee42 is talking about (except possibly dentists and glasses!!). I certainly didn't have to pay for food in hospital and have never had to and don't know anyone who has. If you want a single room, then there will be an additional charge for that that the state will not cover. But these are all minor things in money terms and you will never get a bill for thousands. Don't forget that even if you are one of the unlucky ones who ends up in hospital without a 100% covered illness, many hospitalisations are also covered 100% by the state.

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Posted by Exmansworthy-10052202 - 3 years ago

There is no definite answer for the following reasons:- it depends if one is in an hopital or a clinique with independent funding & if the later there are some non-refundable payments to be made. i.e. meals, room to name 2 that I know of. Just as some Docteurs charge the CPAM rate & others much more which is not all refundable. For my part since having Cancer in 2004 I have usually come out financially level & on my health part.....I am still alive & in plein forme...

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Posted by Paulel - 3 years ago

The experiences of janes and geegee42 (and others) is why I posted on this subject. Both have been through the system with cancer, one had to pay a small percentage to the costs, the other didn't. Does anyone have a definitive answer to this question?

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Posted by geegee42 - 3 years ago

Once diagnosed all cancer treatment is covered 100% by the state ,the only thing not covered is a stay in hospital, for this I was charged 14€ a night,you are covered for five years as after five years you are considered to be cured,another point to mention is that if your mutual says 100% ,sometimes it means 100% of what the state reembourses not necessarily all your money back,if the cost is 1000€ and the state reembourses 50€ your mutuel will pay 50€,you pay 900€,I am sorry to hear of your loss,cancer is a pig ,it got me ,five of our friends and killed another in six months, the treatment I have received here has been exemplary.

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Posted by rance-781573 - 3 years ago

I said I was glad that it had worked out for you, there was no attempy by me to kick you when you were down. My mention of it being important to  know French  was in general, not just for you but anyone. I am sorry if it upset you, it was not my intention to do so and I made no judgement on you.

 

 

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Posted by Paulel - 3 years ago

I have to write another response to that post as it's made me so angry. The words pompous ass and kicking a man when he's down come to mind. I have had to cope with an enormous amount of French paperwork since my wife's death, on my own as we were relatively new here and haven't made any friends yet. I've had no problems at all until yesterday when I saw the Ameli statement and panicked. Don't make judgments about people when you don't know anything about them. Yes people should learn the language of the country they are living in but 7 weeks after a mans wife has died is not the time to start banging on about it, even if it applied to me.

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Posted by Paulel - 3 years ago

Thanks for that! I do speak quite good French, I just misread this document. it can happen in any language. 

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Posted by rance-781573 - 3 years ago

So glad it has tunred out alright as far the bill is concerned and an urban myth, turns out not to be an urban myth. Sorry to say but it is at times like this that shows how important it is to speak and understand French whilst actually living in France.

 

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Posted by Paulel - 3 years ago

Janes and everyone else, thank you for your support. Today I went to AIKB in Gouarec (a great organisation) and they told me that the document from Ameli stated the amount paid to the hospital, not what I had to pay. It seems the state are covering 100% of the costs, what a relief.