All individuals living in France must have healthcare insurance to cover medical expenses (doctors, pharmaceuticals, hospitalisation, etc.).
If you are not eligible for Universal Healthcare Protection under French Social Security, the below options are available for you:
- Keep your affiliation to your Social Security scheme of your previous country of residence (previously check if it will cover you in France and how) ;
- Take out a private health insurance in your home country that will cover your health expenses during your entire stay in France for you and your family members ;
- Take out a private health insurance in France.
Before relocating, compare the rates for private health insurance as they may differ between your home country and France.
Check out the possibility for health care coverage for your stay in France depending on your situation:
- Scientists with a visa "passeport talent chercheur" and their spouse
- European scientists and their spouse
- PhD students with a visa "étudiant" and their spouse
- European PhD students and their spouse
Reimbursement of your healthcare expenses
Even if you are eligible to Universal Healthcare Protection under French Social Security, during a consultation with a doctor, GP or specialist, you will be expected to pay all the fees at the end of the appointment. If you have not yet received your “Carte Vitale”, the doctor will give you a document called “feuille de soins” which you should send to Social Security (CPAM) to claim for reimbursement.
However, Social Security will only reimburse part of your expenses. The reimbursement rates vary depending on the type of treatment, but are usually around 60% to 70% of the official rates determined by Social Security for each type of treatment. Pharmaceuticals are reimbursed at a rate of 15% to 65%, depending on the product.
Since Social Security only reimburses a part of the total cost, we strongly recommend you to contract a complementary health insurance (=mutuelle), specially if you have children or need special medical care. Such insurance may supplement the Social Security reimbursement and avoid onerous expenses (for instance: a visit to the dentist, a hospitalization or the purchase of prescription eyeglasses). Further information can be found here.
NB: to obtain maximum reimbursement determined by Social Security, you also need to inform Social Security (CPAM) of your elected general practitioner (in French: médecin traitant). Not all general practioners charge the same rates. You will obtain better reimbursement if you choose a ‘sector-1’ GP charging official rates. The rates charged by your doctor are listed in a document called the annuaire santé.