It can be a frightening experience visiting a doctor in another country. You’re not feeling good, you’re worried about the language and you’re worried about the cost.
Don’t get too worried about the language. Most doctors can at the very least read English quite well. So many medical reviews are written in English that they have to. That’s not to say that you shouldn’t make an effort to speak French. If you can, the experience of living in France will go much better. (If you can’t, look in the top right hand corner of this page and click on the link there.)
The biggest difference you’ll find compared to NHS doctors is in the length and thoroughness of the medical examination. You’ll probably be asked to strip down to your underwear, have your body examined for any obvious problems and have your blood pressure taken.
Once the examination is completed, you’ll be given a prescription for any medicine and will then be asked to pay. Normally this payment will be between 20 and 30 euros. If you have a Carte Vitale, the doctor will put this into his terminal and this starts the process to have your reimbursement of your payment made directly into your bank account. If you don’t yet have a Carte Vitale, the doctor will fill out some papers that you sign and date and send off to the CPAM.
Note that you are only reimbursed about 70% of what you pay the doctor (unless you have a long-term serious illness such as diabetes when you are reimbursed 100%.) If you want to be fully reimbursed, you need to take out additional medical insurance – what is called a ‘mutuelle’.
Visiting a doctor in France need not be a frightening experience.
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The French health system is one of the best in the world. Massive pay-roll deductions both from workers and, especially, employers has resulted in a system which is well-funded and full of resources. The care tends to be excellent and waiting lists for treatment are virtually unknown.
However, the system in contribution based. For all but real emergencies, you have to show your Carte Vitale. This card contains a chip showing that you have paid contributions and are entitled to received treatment.
If you are a British resident visiting France for a short period of time, you need a European Health Insurance Card. You can get one here :
http://www.nhs.uk/EHIC/Pages/About.aspx
If you are newly resident in France and have found a job, once you have worked 60 hours a month for more than 3 months, you qualify for free medical treatment. You don’t have to wait until you receive your Carte Vitale (which can take a while to arrive.) In the short term, the doctor will give you a paper that you have to sign and return to the CPAM.
All this is organised by the CPAM – and you should register with them as soon as you become resident in France.
People receiving a British pension are entitled to free medical treatment if they move to France. All you have to do is to get an E121 from the NHS in the UK and present that to your local CPAM in France.
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Whether you want to buy a holiday home, to retire there or to move your family lock, stock and barrel, there are many things to consider carefully before you do anything. Moving is one of the most stressful events in our lives, careful planning can reduce this stress. Buying property is a major investment, even if prices are relatively low in France.
The most important question you have to ask yourself is why you want to move there and what you want to get out of that move. In the next few articles, we will consider what to look for when you are thinking about a holiday home, the all important questions to ask yourself if you are thinking about retiring to France, what to take into consideration if you are relocating there for your job and finally, living and working permanently there.
The idea of that dream home in the vineyards is wonderful; let’s make it so. I have lived and worked in France for over twenty-five years. I have known many people who have moved to France and realised it was not what they dreamt it to be. I have also got lots of friends who have made very successful moves there, let’s look at the secrets of their success.
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