Everything To Know About The French Healthcare System
For international property buyers considering a move to France, understanding the country’s healthcare system is of utmost importance. France is renowned for its excellent healthcare services, which are widely accessible to both residents and non-residents alike. This article aims to provide an overview of the key aspects of French healthcare that international property buyers should be aware of, ensuring a smooth transition and peace of mind regarding their healthcare needs.
Universal Health Coverage
France operates on a system of universal health coverage, known as “La Sécurité Sociale.” This means that all residents, including international property buyers who establish residency, are entitled to access quality healthcare services. The French healthcare system is funded through compulsory social security contributions and taxes.
Health Insurance
To benefit from the French healthcare system, individuals must register with their local French health insurance provider, known as the “caisse primaire d’assurance maladie” or CPAM for short. CPAM is responsible for reimbursing a significant portion of medical expenses incurred by individuals.
Carte Vitale
Upon registration with CPAM, individuals receive a “Carte Vitale.” This electronic health card is used to streamline the reimbursement process, as it contains all the necessary information about an individual’s healthcare coverage. When visiting a healthcare professional or pharmacy, the Carte Vitale is presented to facilitate the reimbursement of expenses.
Choice of Healthcare Providers
France boasts a comprehensive network of healthcare providers, including public hospitals, private clinics, general practitioners, and specialists. International property buyers have the freedom to choose their healthcare providers, giving them flexibility in accessing the medical services that suit their needs. It is worth noting that many doctors and specialists in France require appointments, so it is advisable to plan ahead.
Reimbursement of Medical Expenses
The French healthcare system operates on a reimbursement basis. Upon receiving medical treatment, individuals pay the full cost upfront and then submit their receipts and invoices to their health insurance provider for reimbursement. The reimbursement rate depends on the type of treatment and the specific insurance coverage, typically ranging from 60% to 80% of the total cost. Supplementary private health insurance is also available to cover the remaining expenses.
Emergency and Urgent Care
In case of emergencies, France provides a well-developed emergency medical service known as “SAMU” (Service d’Aide Médicale Urgente). Dialing 15 connects individuals to SAMU, which dispatches appropriate medical assistance.
Pharmacies and Prescription Medication
Pharmacies in France are widely accessible, and pharmacists play a crucial role in the healthcare system. They provide over-the-counter medications, offer advice on minor ailments, and dispense prescribed medications. Prescription medication is often partially reimbursed by health insurance providers.
Understanding the French healthcare system is essential for international property buyers moving to France. By familiarising themselves with the key aspects outlined in this article, international property buyers can ensure their healthcare needs are met while enjoying their new life in France.
If you have any questions on the matter, or would like to start your registration with CPAM, don’t hesitate to get in touch with Anglo French Help.
