French health insurance

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
rong>

Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
rong>
rong>
rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
rong>
rong>
rong>
rong>
rong>
rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
rong>
rong>
rong>
rong>
rong>

French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
rong>

Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
rong>
rong>
rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
rong>
rong>
rong>
rong>
rong>
rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
rong>
rong>
rong>
rong>
rong>

French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
rong>

Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
rong>
rong>
rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
rong>
rong>
rong>
rong>
rong>
rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
rong>
rong>
rong>
rong>
rong>

French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
rong>

Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
rong>
rong>
rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
rong>
rong>
rong>
rong>
rong>
rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
rong>
rong>
rong>
rong>
rong>

French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

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rong>
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French Regime definitions

1
rong>

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Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
rong>

Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
rong>
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rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

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rong>
rong>
rong>
rong>
rong>
rong>
rong>

French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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rong>


Understanding The French System:

rong>

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

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rong>
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French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
rong>

Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
rong>
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rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
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rong>
rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
rong>
rong>
rong>
rong>
rong>

French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
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rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
rong>

Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
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rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

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rong>
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French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

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They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
rong>

Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
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rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
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rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
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rong>
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rong>

French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
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Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
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rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
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rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
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French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
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rong style="color: #006699;">Click onrong>
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rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

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rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
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Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

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rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
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French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
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rong style="color: #006699;">Document name
or description
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rong style="color: #006699;">Click onrong>
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rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
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Couverture Maladie Universelle.

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French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
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Partners

Contact US
 

rong>Contact Usrong>

 

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rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

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 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

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SOFICAS AGENTS
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With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

Keep up to date with

Real Estate, Real Living, Real France

France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

Newsletter - Registration

Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

If you would like to receive this FREE newsletter directly to your mailbox please click on the sign up button below.

rong style="color: rgb(51, 102, 255);">Go to News rong>rong style="color: rgb(51, 102, 255);">| rong>rong>Cancel Registrationrong>

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
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Hospitalization     l     Key Words     l     Usefull Phrases

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rong>

 

 

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

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French Regime definitions

1
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Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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rong>rong>rong>

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Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

Keep up to date with

Real Estate, Real Living, Real France

France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

Newsletter - Registration

Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

If you would like to receive this FREE newsletter directly to your mailbox please click on the sign up button below.

rong style="color: rgb(51, 102, 255);">Go to News rong>rong style="color: rgb(51, 102, 255);">| rong>rong>Cancel Registrationrong>

Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
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Hospitalization     l     Key Words     l     Usefull Phrases

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rong>

 

 

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

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rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
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French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
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rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

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Newsletter - Registration

Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

If you would like to receive this FREE newsletter directly to your mailbox please click on the sign up button below.

rong style="color: rgb(51, 102, 255);">Go to News rong>rong style="color: rgb(51, 102, 255);">| rong>rong>Cancel Registrationrong>

Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

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rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

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French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
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rong style="color: #006699;">Click onrong>
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rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

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Real Estate, Real Living, Real France

France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

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Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

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rong style="color: rgb(51, 102, 255);">Go to News rong>rong style="color: rgb(51, 102, 255);">| rong>rong>Cancel Registrationrong>

Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

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rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

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rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

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rong style="text-align: center;">Click on each column to see their individual definitions:rong>

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French Regime definitions

1
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Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

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Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

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Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

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Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

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SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

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rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

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rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

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French Regime definitions

1
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Examples of reimbursement:
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rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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Hospitalization / Hospitalisation:
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rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
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rong style="color: #006699;">Document name
or description
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rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

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France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

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Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

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Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

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rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

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French Regime definitions

1
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Examples of reimbursement:
rong> 

rong> rong>

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rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
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rong style="color: #006699;">Click onrong>
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rong style="color: #006699; font-size: 22px;">Document name
or description
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rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

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Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
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Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
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No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

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rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

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rong style="text-align: center;">Second column shows the possible reimbursements: rong>

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rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

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rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

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rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

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rong style="text-align: center;">Click on each column to see their individual definitions:rong>

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French Regime definitions

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Examples of reimbursement:
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rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

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"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

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"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

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"Prise en charge"
Possible on demand even for Optical and Dentistry.

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Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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Hospitalization / Hospitalisation:
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rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
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rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

Keep up to date with

Real Estate, Real Living, Real France

France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

Newsletter - Registration

Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

If you would like to receive this FREE newsletter directly to your mailbox please click on the sign up button below.

rong style="color: rgb(51, 102, 255);">Go to News rong>rong style="color: rgb(51, 102, 255);">| rong>rong>Cancel Registrationrong>

Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
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No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

.        

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

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rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

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rong style="text-align: center;">Second column shows the possible reimbursements: rong>

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rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

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rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

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rong style="text-align: center;">Click on each column to see their individual definitions:rong>

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French Regime definitions

1
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Examples of reimbursement:
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rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

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"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

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"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

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"Prise en charge"
Possible on demand even for Optical and Dentistry.

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Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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Hospitalization / Hospitalisation:
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rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
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rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

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rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
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rong style="color: #006699;">icon to downloadrong> 
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rong style="color: #006699;">Document name
or description
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rong style="color: #006699; font-size: 22px;">Document name
or description
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rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

Keep up to date with

Real Estate, Real Living, Real France

France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

Newsletter - Registration

Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

If you would like to receive this FREE newsletter directly to your mailbox please click on the sign up button below.

rong style="color: rgb(51, 102, 255);">Go to News rong>rong style="color: rgb(51, 102, 255);">| rong>rong>Cancel Registrationrong>

Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #5cb3ff; margin-right: 0px; width: auto !important; ">HouseholdChildren Under 25 (or dependents)
No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

.        

Partners

France Sticks to Five Year Rule on Health Cover

France Sticks to Five Year Rule on Health Cover

Wednesday 01 February 2012

Internal documents reveal that France has comprehensively outwitted the EU over health cover reforms.

Despite the belief held by EU Commission that France had eased access into the health system for inactive early retirees, in fact documents obtained by us show that the five year residence rule remains in force.

Guidance sent to local health authorities last month by the health service national agency states that ''the expiration of an E106/S1 is not an automatic ground for granting access to the CMU, this event being foreseeable.''

The internal advice goes on to say that upon the expiry of their cover through an E106/S1 inactive early retirees should take out private health cover.

This directly contradicts the statements from the Commission that the whole purpose of the new Circular issued last June was to ease access arrangements for early retirees. 

Readers will recollect that the Commission brought infringement proceedings against France (which they have not abandoned) precisely because they were denying early retireess access into the health system.

However, the Commission can hardly be blamed for giving France the benefit of the doubt, for the June Circular explicitly withdraws the previous 2007 guidance, which prevented inactive early retirees entering the system, and nowhere is there mention of a five year rule.

Under European law European nationals legally resident in France for at least three months are entitled to be treated in the same manner as French nationals, including unfettered access to the health system, the Couverture Maladie Universelle (CMU).

By all appearances the June Circular seems to reflect this rule, stating as it does that the EU nationals enjoy continuity of rights as between one country and another.

Indeed, this is also reflected on the website of the CMU, which could not be clearer. It states:

''Pour pouvoir bénéficier de la couverture maladie universelle de base, vous devez résider en France de façon stable et régulière.

La résidence stable est réputée acquise après 3 mois de résidence. Cette condition est applicable à tous, français ou étrangers.''

The fact that this declaration has remained stubbornly promulgated on the website over the past few years does suggest some tensions within the health service about the stance France has taken. The site is otherwise regularly updated for changes in law and practice.

But the content of the June Circular is really no more than an oxymoron, leading to confusion even amongst many CPAMs many of whom have remained unclear of the policy in relation to inactive early retirees.

That is why they requested clearer guidance from the national agency, as part of which they submitted a series of questions, replies to which were included in the guidance that has been sent to them.

More generally, not only are many CPAMs confused, but it is clear from your reports at just how badly informed are some officials. 

Tony Mason, of health insurance brokers Soficas, says he recently attended a meeting in Perigeux, organised by Angela Martyn (President North Eastern Dordogne Women's Association), and attended by around 70 British expats and senior health officials from the local CPAM.

''The officials were completely unaware of the June Circular, and expressed disbelief when on a show of hands around one-third of those present said they had been refused health cover'', he says.

Now, of course, it may well be convenient for officials to deny knowledge of the problem, but there is widespread evidence that many local officials are simply ill-informed.

Medical Tourism

One of the other interesting aspects of the internal guidance is that it is clear the key factor behind the continued embargo is the fear by officials of ‘abuses’ of the health system, in particular, by those who relocate to France merely to obtain medical treatment. Officials seems obsessed by 'medical tourism'.

Accordingly, the guidance states EU regulations prevent the automatic refusal of early retirees, so each case must be examined on its merits, ''to prevent abusive behaviour and the need to consider in general the reasons for the transfer of residence to France.''

If the 5 year residence rule is to be enforced, it remains unclear just what a 'case by case' consideration of all applications is supposed to do, except to try and demonstrate at least perfunctory compliance with EU rules.

Mixed Picture

Not unexpectedly, most of you affected by this rule are reporting difficulties in getting into the health system.

Greater success seems to be being achieved by those of you with a serious pre-existing medical condition that prevents you obtaining private health insurance. In most cases a letter of refusal of insurance from a private health insurer does seem to be able to unlock the door.

Those of you claiming low-income as a reason for not being able to take out a private insurance policy are experiencing mixed success, as CPAMs seem to be making up their own rules about whether a private health insurance policy is 'too onerous'.

There are also other CPAMs who are simply ignoring the guidance from the centre (or seem blithely unaware of it) and continue to grant access to early retirees.

It is clear that a great deal of pressure is now being placed on the French authorities due to the high number of appeals that are being made, and the number of complaints that have been made to the European Commission.

Some of you are experiencing delays in the processing of your applications. This may not be due to intransigence by the authorities, but staffing pressures that are being experienced in many CPAMs.

Do keep us posted at editor@french-property.com.

This article was featured in our Newsletter dated 01/02/2012


 David Yeates, Editor at www.french-property.com/news

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

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rong style="text-align: center;">Second column shows the possible reimbursements: rong>

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rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

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rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

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rong style="text-align: center;">Click on each column to see their individual definitions:rong>

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French Regime definitions

1
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Examples of reimbursement:
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rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

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"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

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Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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Hospitalization / Hospitalisation:
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rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
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rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

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rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
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rong style="color: #006699;">Document name
or description
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rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
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rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

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Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

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Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #5cb3ff; margin-right: 0px; width: auto !important; ">HouseholdChildren Under 25 (or dependents)
No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

.        

Partners

France Sticks to Five Year Rule on Health Cover

France Sticks to Five Year Rule on Health Cover

Wednesday 01 February 2012

Internal documents reveal that France has comprehensively outwitted the EU over health cover reforms.

Despite the belief held by EU Commission that France had eased access into the health system for inactive early retirees, in fact documents obtained by us show that the five year residence rule remains in force.

Guidance sent to local health authorities last month by the health service national agency states that ''the expiration of an E106/S1 is not an automatic ground for granting access to the CMU, this event being foreseeable.''

The internal advice goes on to say that upon the expiry of their cover through an E106/S1 inactive early retirees should take out private health cover.

This directly contradicts the statements from the Commission that the whole purpose of the new Circular issued last June was to ease access arrangements for early retirees. 

Readers will recollect that the Commission brought infringement proceedings against France (which they have not abandoned) precisely because they were denying early retireess access into the health system.

However, the Commission can hardly be blamed for giving France the benefit of the doubt, for the June Circular explicitly withdraws the previous 2007 guidance, which prevented inactive early retirees entering the system, and nowhere is there mention of a five year rule.

Under European law European nationals legally resident in France for at least three months are entitled to be treated in the same manner as French nationals, including unfettered access to the health system, the Couverture Maladie Universelle (CMU).

By all appearances the June Circular seems to reflect this rule, stating as it does that the EU nationals enjoy continuity of rights as between one country and another.

Indeed, this is also reflected on the website of the CMU, which could not be clearer. It states:

''Pour pouvoir bénéficier de la couverture maladie universelle de base, vous devez résider en France de façon stable et régulière.

La résidence stable est réputée acquise après 3 mois de résidence. Cette condition est applicable à tous, français ou étrangers.''

The fact that this declaration has remained stubbornly promulgated on the website over the past few years does suggest some tensions within the health service about the stance France has taken. The site is otherwise regularly updated for changes in law and practice.

But the content of the June Circular is really no more than an oxymoron, leading to confusion even amongst many CPAMs many of whom have remained unclear of the policy in relation to inactive early retirees.

That is why they requested clearer guidance from the national agency, as part of which they submitted a series of questions, replies to which were included in the guidance that has been sent to them.

More generally, not only are many CPAMs confused, but it is clear from your reports at just how badly informed are some officials. 

Tony Mason, of health insurance brokers Soficas, says he recently attended a meeting in Perigeux, organised by Angela Martyn (President North Eastern Dordogne Women's Association), and attended by around 70 British expats and senior health officials from the local CPAM.

''The officials were completely unaware of the June Circular, and expressed disbelief when on a show of hands around one-third of those present said they had been refused health cover'', he says.

Now, of course, it may well be convenient for officials to deny knowledge of the problem, but there is widespread evidence that many local officials are simply ill-informed.

Medical Tourism

One of the other interesting aspects of the internal guidance is that it is clear the key factor behind the continued embargo is the fear by officials of ‘abuses’ of the health system, in particular, by those who relocate to France merely to obtain medical treatment. Officials seems obsessed by 'medical tourism'.

Accordingly, the guidance states EU regulations prevent the automatic refusal of early retirees, so each case must be examined on its merits, ''to prevent abusive behaviour and the need to consider in general the reasons for the transfer of residence to France.''

If the 5 year residence rule is to be enforced, it remains unclear just what a 'case by case' consideration of all applications is supposed to do, except to try and demonstrate at least perfunctory compliance with EU rules.

Mixed Picture

Not unexpectedly, most of you affected by this rule are reporting difficulties in getting into the health system.

Greater success seems to be being achieved by those of you with a serious pre-existing medical condition that prevents you obtaining private health insurance. In most cases a letter of refusal of insurance from a private health insurer does seem to be able to unlock the door.

Those of you claiming low-income as a reason for not being able to take out a private insurance policy are experiencing mixed success, as CPAMs seem to be making up their own rules about whether a private health insurance policy is 'too onerous'.

There are also other CPAMs who are simply ignoring the guidance from the centre (or seem blithely unaware of it) and continue to grant access to early retirees.

It is clear that a great deal of pressure is now being placed on the French authorities due to the high number of appeals that are being made, and the number of complaints that have been made to the European Commission.

Some of you are experiencing delays in the processing of your applications. This may not be due to intransigence by the authorities, but staffing pressures that are being experienced in many CPAMs.

Do keep us posted at editor@french-property.com.

This article was featured in our Newsletter dated 01/02/2012


 David Yeates, Editor at www.french-property.com/news

Partners

Stratagems for Getting Health Cover

Stratagems for Getting Health Cover

Tuesday 01 May 2012

With the French government still refusing to budge on granting early retirees access to the health system, what options are there available?

It is clear from the stream of e mails we receive each week that there must be thousands of British and other European expats living in France unable to access the health system.
As a result, many of you have been obliged to take out often expensive private health insurance, which frequently fails to offer full cover due to pre-existing medical conditions.
In the worst cases, some of you are obliged to live in France without any health insurance, either because you cannot get private cover, or because it is too expensive.
We continue to remain in regular contact with the European Commission concerning this issue, and we are grateful to those of you who have taken our advice to complain to them about your circumstances.
The latest position we have from the Commission is as follows:
'The Commission has been monitoring how the new Circular is being applied in practice to see whether this is in line with the letter and the spirit of Regulation 883/2004. As a result of this monitoring process, we have serious concerns that the French authorities are continuing to refuse admission to the CMU in breach of EU law. The Commission has raised these concerns with the French authorities and hopes that a resolution of this difficult matter can be found soon.'

The statement does at least give some glimmer of hope, and it may well be that further progress will be made after the forthcoming French presidential elections in May.

In the meantime, what can you do? Here are a few options to consider:
 

      rong>i. Appeal
rong>      rong>ii. Change of Circumstances
rong>      rong>iii. Residence Permit
rong>      rong>iv. Auto-Entrepreneur
rong>      rong>v. Aide Médicale de l’Etatrong>

 

i. Appeal

If you are refused health cover by your local Caisse primaire d'assurance maladie (CPAM) you should make a formal appeal against the decision to the local appeal panel, the Commission de Recours Amiable (CRA).

No legal assistance is necessary, and you can pull together an appeal letter using the information contained in our Newsletters, notably the fact that refusal is contrary to European law.
There is no guarantee that you will be successful, and we know of many cases where the CRA have turned down appeals.
However, this has not universally been the case, and sometimes the threat of an appeal has been enough for the local CPAM to somehow miraculously change their position.
 
If you are turned down by the CRA you have a further right of appeal to a court of law, for which you are likely to need legal assistance.

ii. Change of Circumstances

Under even the restrictive provisions of existing French legislation it is possible to obtain access to the health system on a change of circumstances arising from an 'accident de vie'.

These change of circumstances are:
  • A reduction in income making it impossible to continue with private insurance;

  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;

  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;

  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.
Internal guidance given to the local health authorities in January remains ambiguous on whether health authorities have the discretion to allow early retirees access to the CMU on the expiry of the 'S' form cover where the applicant has been refused private insurance cover due to a pre-existing medical condition.
 
The guidance (Lettre Réseau DDGOS-7/201211/01/2012) states:
 
L’examen par la Cpam d’une demande éventuelle de CMUB repose donc sur l’appréciation du motif pour lequel la personne indique ne pas pouvoir souscrire une assurance privée: si elle est non assurable, la CPAM peut demander à l’intéressé de fournir les lettres opposant un refus d’assurance par différentes compagnies, notamment au motif de maladies préexistantes. La CPAM ayant géré la personne jusqu’alors, elle est d’ailleurs capable d’identifier si l’intéressé relève d’une ALD, sans avoir à en connaitre le motif médical précis.

So you will need to make application and argue your case. We are aware of a large number of cases where this has occurred, although there are probably an equal number who have been refused, despite the fact that they appeared to have a valid case. The difficulty is that it is all down to local case by case determination, and there seems no rhyme or reason to some of the decisions. Neither do we believe that local appeal decisions are collated and used as precedent at a national level.

iii. Residence Permit

The above guidance also makes it clear that those who hold a residence permit are granted the right of access to the CMU.
 
However, it needs to be a particular kind of residence permit, called a CE-séjour permanent-toutes activités professionnelles.
Such permits are ordinarily only available if you are registered self-employed, but we are aware of prefectures who seem willing to issue them to early retirees without the need to prove they run a business.
We did discuss this issue in a recent Newsletter, to which you might be best to refer, at rong>Health Cover and Residence Permits.

rong>
We consider for some of you this is a potentially fruitful approach as we know of a number of cases where it has worked.

iv. Auto-Entrepreneur

If you set up business in France you are no longer an ‘early retiree’, which then enables you to gain automatic right to the French health system.
One of the advantages of setting up as an auto-entrepreneur is that you do not need to demonstrate any turnover for two years before you then cease to be able to retain the status.
We do not advocate abusive uses of this approach (previous abuses of the health system by expats are why we are currently in this position), but if you do have even the germ of a business idea you wish to pursue this is a painless way to obtain health insurance cover, as well as business registration.

v. AME

Finally, if you have no means of health cover, you are on a low income, and you have been resident for at least three months, then you should consider making application for cover under the health regime of last resort, called the Aide Médicale de l’Etat (AME).
To be entitled to access the AME your income must not pass certain thresholds, which differ by family composition, as follows:
  • One Person - €7,771
  • Two People - €11,656
  • Three People - €13,988
  • Four People - €16,319
You should make application to your local CPAM.

Five Year Rule

And remember, even under present rules, once you have been resident in France for 5 years, you have an automatic entitlement to the health system.

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news


Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

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rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

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French Regime definitions

1
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Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
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rong style="color: #006699;">Click onrong>
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rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

Keep up to date with

Real Estate, Real Living, Real France

France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

Newsletter - Registration

Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

If you would like to receive this FREE newsletter directly to your mailbox please click on the sign up button below.

rong style="color: rgb(51, 102, 255);">Go to News rong>rong style="color: rgb(51, 102, 255);">| rong>rong>Cancel Registrationrong>

Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #5cb3ff; margin-right: 0px; width: auto !important; ">HouseholdChildren Under 25 (or dependents)
No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

.        

Partners

France Sticks to Five Year Rule on Health Cover

France Sticks to Five Year Rule on Health Cover

Wednesday 01 February 2012

Internal documents reveal that France has comprehensively outwitted the EU over health cover reforms.

Despite the belief held by EU Commission that France had eased access into the health system for inactive early retirees, in fact documents obtained by us show that the five year residence rule remains in force.

Guidance sent to local health authorities last month by the health service national agency states that ''the expiration of an E106/S1 is not an automatic ground for granting access to the CMU, this event being foreseeable.''

The internal advice goes on to say that upon the expiry of their cover through an E106/S1 inactive early retirees should take out private health cover.

This directly contradicts the statements from the Commission that the whole purpose of the new Circular issued last June was to ease access arrangements for early retirees. 

Readers will recollect that the Commission brought infringement proceedings against France (which they have not abandoned) precisely because they were denying early retireess access into the health system.

However, the Commission can hardly be blamed for giving France the benefit of the doubt, for the June Circular explicitly withdraws the previous 2007 guidance, which prevented inactive early retirees entering the system, and nowhere is there mention of a five year rule.

Under European law European nationals legally resident in France for at least three months are entitled to be treated in the same manner as French nationals, including unfettered access to the health system, the Couverture Maladie Universelle (CMU).

By all appearances the June Circular seems to reflect this rule, stating as it does that the EU nationals enjoy continuity of rights as between one country and another.

Indeed, this is also reflected on the website of the CMU, which could not be clearer. It states:

''Pour pouvoir bénéficier de la couverture maladie universelle de base, vous devez résider en France de façon stable et régulière.

La résidence stable est réputée acquise après 3 mois de résidence. Cette condition est applicable à tous, français ou étrangers.''

The fact that this declaration has remained stubbornly promulgated on the website over the past few years does suggest some tensions within the health service about the stance France has taken. The site is otherwise regularly updated for changes in law and practice.

But the content of the June Circular is really no more than an oxymoron, leading to confusion even amongst many CPAMs many of whom have remained unclear of the policy in relation to inactive early retirees.

That is why they requested clearer guidance from the national agency, as part of which they submitted a series of questions, replies to which were included in the guidance that has been sent to them.

More generally, not only are many CPAMs confused, but it is clear from your reports at just how badly informed are some officials. 

Tony Mason, of health insurance brokers Soficas, says he recently attended a meeting in Perigeux, organised by Angela Martyn (President North Eastern Dordogne Women's Association), and attended by around 70 British expats and senior health officials from the local CPAM.

''The officials were completely unaware of the June Circular, and expressed disbelief when on a show of hands around one-third of those present said they had been refused health cover'', he says.

Now, of course, it may well be convenient for officials to deny knowledge of the problem, but there is widespread evidence that many local officials are simply ill-informed.

Medical Tourism

One of the other interesting aspects of the internal guidance is that it is clear the key factor behind the continued embargo is the fear by officials of ‘abuses’ of the health system, in particular, by those who relocate to France merely to obtain medical treatment. Officials seems obsessed by 'medical tourism'.

Accordingly, the guidance states EU regulations prevent the automatic refusal of early retirees, so each case must be examined on its merits, ''to prevent abusive behaviour and the need to consider in general the reasons for the transfer of residence to France.''

If the 5 year residence rule is to be enforced, it remains unclear just what a 'case by case' consideration of all applications is supposed to do, except to try and demonstrate at least perfunctory compliance with EU rules.

Mixed Picture

Not unexpectedly, most of you affected by this rule are reporting difficulties in getting into the health system.

Greater success seems to be being achieved by those of you with a serious pre-existing medical condition that prevents you obtaining private health insurance. In most cases a letter of refusal of insurance from a private health insurer does seem to be able to unlock the door.

Those of you claiming low-income as a reason for not being able to take out a private insurance policy are experiencing mixed success, as CPAMs seem to be making up their own rules about whether a private health insurance policy is 'too onerous'.

There are also other CPAMs who are simply ignoring the guidance from the centre (or seem blithely unaware of it) and continue to grant access to early retirees.

It is clear that a great deal of pressure is now being placed on the French authorities due to the high number of appeals that are being made, and the number of complaints that have been made to the European Commission.

Some of you are experiencing delays in the processing of your applications. This may not be due to intransigence by the authorities, but staffing pressures that are being experienced in many CPAMs.

Do keep us posted at editor@french-property.com.

This article was featured in our Newsletter dated 01/02/2012


 David Yeates, Editor at www.french-property.com/news

Partners

Stratagems for Getting Health Cover

Stratagems for Getting Health Cover

Tuesday 01 May 2012

With the French government still refusing to budge on granting early retirees access to the health system, what options are there available?

It is clear from the stream of e mails we receive each week that there must be thousands of British and other European expats living in France unable to access the health system.
As a result, many of you have been obliged to take out often expensive private health insurance, which frequently fails to offer full cover due to pre-existing medical conditions.
In the worst cases, some of you are obliged to live in France without any health insurance, either because you cannot get private cover, or because it is too expensive.
We continue to remain in regular contact with the European Commission concerning this issue, and we are grateful to those of you who have taken our advice to complain to them about your circumstances.
The latest position we have from the Commission is as follows:
'The Commission has been monitoring how the new Circular is being applied in practice to see whether this is in line with the letter and the spirit of Regulation 883/2004. As a result of this monitoring process, we have serious concerns that the French authorities are continuing to refuse admission to the CMU in breach of EU law. The Commission has raised these concerns with the French authorities and hopes that a resolution of this difficult matter can be found soon.'

The statement does at least give some glimmer of hope, and it may well be that further progress will be made after the forthcoming French presidential elections in May.

In the meantime, what can you do? Here are a few options to consider:
 

      rong>i. Appeal
rong>      rong>ii. Change of Circumstances
rong>      rong>iii. Residence Permit
rong>      rong>iv. Auto-Entrepreneur
rong>      rong>v. Aide Médicale de l’Etatrong>

 

i. Appeal

If you are refused health cover by your local Caisse primaire d'assurance maladie (CPAM) you should make a formal appeal against the decision to the local appeal panel, the Commission de Recours Amiable (CRA).

No legal assistance is necessary, and you can pull together an appeal letter using the information contained in our Newsletters, notably the fact that refusal is contrary to European law.
There is no guarantee that you will be successful, and we know of many cases where the CRA have turned down appeals.
However, this has not universally been the case, and sometimes the threat of an appeal has been enough for the local CPAM to somehow miraculously change their position.
 
If you are turned down by the CRA you have a further right of appeal to a court of law, for which you are likely to need legal assistance.

ii. Change of Circumstances

Under even the restrictive provisions of existing French legislation it is possible to obtain access to the health system on a change of circumstances arising from an 'accident de vie'.

These change of circumstances are:
  • A reduction in income making it impossible to continue with private insurance;

  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;

  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;

  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.
Internal guidance given to the local health authorities in January remains ambiguous on whether health authorities have the discretion to allow early retirees access to the CMU on the expiry of the 'S' form cover where the applicant has been refused private insurance cover due to a pre-existing medical condition.
 
The guidance (Lettre Réseau DDGOS-7/201211/01/2012) states:
 
L’examen par la Cpam d’une demande éventuelle de CMUB repose donc sur l’appréciation du motif pour lequel la personne indique ne pas pouvoir souscrire une assurance privée: si elle est non assurable, la CPAM peut demander à l’intéressé de fournir les lettres opposant un refus d’assurance par différentes compagnies, notamment au motif de maladies préexistantes. La CPAM ayant géré la personne jusqu’alors, elle est d’ailleurs capable d’identifier si l’intéressé relève d’une ALD, sans avoir à en connaitre le motif médical précis.

So you will need to make application and argue your case. We are aware of a large number of cases where this has occurred, although there are probably an equal number who have been refused, despite the fact that they appeared to have a valid case. The difficulty is that it is all down to local case by case determination, and there seems no rhyme or reason to some of the decisions. Neither do we believe that local appeal decisions are collated and used as precedent at a national level.

iii. Residence Permit

The above guidance also makes it clear that those who hold a residence permit are granted the right of access to the CMU.
 
However, it needs to be a particular kind of residence permit, called a CE-séjour permanent-toutes activités professionnelles.
Such permits are ordinarily only available if you are registered self-employed, but we are aware of prefectures who seem willing to issue them to early retirees without the need to prove they run a business.
We did discuss this issue in a recent Newsletter, to which you might be best to refer, at rong>Health Cover and Residence Permits.

rong>
We consider for some of you this is a potentially fruitful approach as we know of a number of cases where it has worked.

iv. Auto-Entrepreneur

If you set up business in France you are no longer an ‘early retiree’, which then enables you to gain automatic right to the French health system.
One of the advantages of setting up as an auto-entrepreneur is that you do not need to demonstrate any turnover for two years before you then cease to be able to retain the status.
We do not advocate abusive uses of this approach (previous abuses of the health system by expats are why we are currently in this position), but if you do have even the germ of a business idea you wish to pursue this is a painless way to obtain health insurance cover, as well as business registration.

v. AME

Finally, if you have no means of health cover, you are on a low income, and you have been resident for at least three months, then you should consider making application for cover under the health regime of last resort, called the Aide Médicale de l’Etat (AME).
To be entitled to access the AME your income must not pass certain thresholds, which differ by family composition, as follows:
  • One Person - €7,771
  • Two People - €11,656
  • Three People - €13,988
  • Four People - €16,319
You should make application to your local CPAM.

Five Year Rule

And remember, even under present rules, once you have been resident in France for 5 years, you have an automatic entitlement to the health system.

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news


Partners

Dordogne Makes Concession on Health Cover

Dordogne Makes Concession on Health Cover

Friday 01 June 2012

The health authority in the Dordogne has agreed to admit early retirees with a long term illness into the health system.

According to Tony Mason of health insurance brokers Soficas those with what is known as an 'Affection de Longue Durée (ALD)'* prior to losing their health cover rights under an S1/E106 will now be able to obtain cover under the Couverture Maladie Universelle (CMU).

‘It still remains a little unclear to me why the CPAM have changed their position’ he says,‘but in large measure I think it is genuinely because, until we made them aware, they simply had no idea of the scale of the difficulties being faced by a large number of early retirees, who simply had no medical cover.’

The enlightenment of officials to the problem began several months ago when Tony attended a meeting of around 70 British expatriates in Perigeux organised by Angela Martyn, the President of the North Eastern Dordogne Women's Association. He arranged for local CPAM officials to be present.

At the time, the health officials denied that there was a problem of access into the health system.

''So as if to prove the point' say Tony, 'I opened the matter up to a show of hands in the room, when around one-third of those present stated that they had been refused health cover by the CPAM.

The look of disbelief on the faces of the officials was only matched by my own astonishment that they should appear to be so blindingly oblivious to what was taking place in their department.

At the end of the meeting officials confided to me that they clearly needed to undertake some internal consultation, and the outcome now appears to be the change in policy administration.''

Tony advises that those in the department of Dordogne with a pre-existing long-term illness should contact him to discuss whether they might be eligible to obtain access to join the CMU.

Those who develop an Affection de Longue Durée (ALD) after they come to France already have a right of access into the health system under ‘accident de vie’ provisions, on a case by case basis.

The position of those early retirees who do not have a long-term illness remains unchanged, although we would suggest you discuss your circumstances with Tony to see what can be done. You can contact him at tony@soficas.fr.

The same applies to those living in other areas of France, where the position of many local CPAMs remains intransigent, although not in all cases.

We are finding that a number of health authorities are conceding when pressured, while others are recommending that early retirees secure a residence permit, on the basis of which the health authority would then be able to grant them access into the system. We covered this point in our last Newsletter.

We await further news from the European Commission who are pressing the French government for a relaxation in the rules and infringement proceedings remain in force. It remains to be seen how matters might develop with a new government in place in the country.

*Affections de Longue Durée (ALD)

The list of those illnesses (in French) classified an ALD provided from the French health service website is show below. It currently excludes high-blood pressure, removed from the list last year, but this may by under review by the new government.

  • Accident vasculaire cérébral invalidant
  • Insuffisances médullaires et autres cytopénies chroniques
  • Artériopathies chroniques avec manifestations ischémiques
  • Bilharziose compliquée
  • Insuffisance cardiaque grave, troubles du rythme graves, cardiopathies valvulaires graves, cardiopathies congénitales graves
  • Maladies chroniques actives du foie et cirrhoses
  • Déficit immunitaire primitif grave nécessitant un traitement prolongé, infection par le virus de l'immuno-déficience humaine (VIH)
  • Diabète de type 1 et diabète de type 2
  • Formes graves des affections neurologiques et musculaires (dont myopathie), épilepsie grave
  • Hémoglobinopathies, hémolyses, chroniques constitutionnelles et acquises sévères
  • Hémophilies et affections constitutionnelles de l'hémostase graves
  • Maladie coronaire
  • Insuffisance respiratoire chronique grave
  • Maladie d'Alzheimer et autres démences
  • Maladie de Parkinson
  • Maladies métaboliques héréditaires nécessitant un traitement prolongé spécialisé
  • Mucoviscidose
  • Néphropathie chronique grave et syndrome néphrotique primitif
  • Paraplégie
  • Vascularites, lupus érythémateux systémique, sclérodermie systémique
  • Polyarthrite rhumatoïde évolutive
  • Affections psychiatriques de longue durée
  • Rectocolite hémorragique et maladie de Crohn évolutives
  • Sclérose en plaques
  • Scoliose idiopathique structurale évolutive (dont l'angle est égal ou supérieur à 25 degrés) jusqu'à maturation rachidienne
  • Spondylarthrite grave
  • Suites de transplantation d'organe
  • Tuberculose active, lèpre
  • Tumeur maligne, affection maligne du tissu lymphatique ou hématopoïétique

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news

 

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

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rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

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rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

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rong style="text-align: center;">Click on each column to see their individual definitions:rong>

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French Regime definitions

1
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Examples of reimbursement:
rong> 

rong> rong>

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rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

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Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

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Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

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Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

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SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

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EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

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Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #5cb3ff; margin-right: 0px; width: auto !important; ">HouseholdChildren Under 25 (or dependents)
No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

.        

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France Sticks to Five Year Rule on Health Cover

France Sticks to Five Year Rule on Health Cover

Wednesday 01 February 2012

Internal documents reveal that France has comprehensively outwitted the EU over health cover reforms.

Despite the belief held by EU Commission that France had eased access into the health system for inactive early retirees, in fact documents obtained by us show that the five year residence rule remains in force.

Guidance sent to local health authorities last month by the health service national agency states that ''the expiration of an E106/S1 is not an automatic ground for granting access to the CMU, this event being foreseeable.''

The internal advice goes on to say that upon the expiry of their cover through an E106/S1 inactive early retirees should take out private health cover.

This directly contradicts the statements from the Commission that the whole purpose of the new Circular issued last June was to ease access arrangements for early retirees. 

Readers will recollect that the Commission brought infringement proceedings against France (which they have not abandoned) precisely because they were denying early retireess access into the health system.

However, the Commission can hardly be blamed for giving France the benefit of the doubt, for the June Circular explicitly withdraws the previous 2007 guidance, which prevented inactive early retirees entering the system, and nowhere is there mention of a five year rule.

Under European law European nationals legally resident in France for at least three months are entitled to be treated in the same manner as French nationals, including unfettered access to the health system, the Couverture Maladie Universelle (CMU).

By all appearances the June Circular seems to reflect this rule, stating as it does that the EU nationals enjoy continuity of rights as between one country and another.

Indeed, this is also reflected on the website of the CMU, which could not be clearer. It states:

''Pour pouvoir bénéficier de la couverture maladie universelle de base, vous devez résider en France de façon stable et régulière.

La résidence stable est réputée acquise après 3 mois de résidence. Cette condition est applicable à tous, français ou étrangers.''

The fact that this declaration has remained stubbornly promulgated on the website over the past few years does suggest some tensions within the health service about the stance France has taken. The site is otherwise regularly updated for changes in law and practice.

But the content of the June Circular is really no more than an oxymoron, leading to confusion even amongst many CPAMs many of whom have remained unclear of the policy in relation to inactive early retirees.

That is why they requested clearer guidance from the national agency, as part of which they submitted a series of questions, replies to which were included in the guidance that has been sent to them.

More generally, not only are many CPAMs confused, but it is clear from your reports at just how badly informed are some officials. 

Tony Mason, of health insurance brokers Soficas, says he recently attended a meeting in Perigeux, organised by Angela Martyn (President North Eastern Dordogne Women's Association), and attended by around 70 British expats and senior health officials from the local CPAM.

''The officials were completely unaware of the June Circular, and expressed disbelief when on a show of hands around one-third of those present said they had been refused health cover'', he says.

Now, of course, it may well be convenient for officials to deny knowledge of the problem, but there is widespread evidence that many local officials are simply ill-informed.

Medical Tourism

One of the other interesting aspects of the internal guidance is that it is clear the key factor behind the continued embargo is the fear by officials of ‘abuses’ of the health system, in particular, by those who relocate to France merely to obtain medical treatment. Officials seems obsessed by 'medical tourism'.

Accordingly, the guidance states EU regulations prevent the automatic refusal of early retirees, so each case must be examined on its merits, ''to prevent abusive behaviour and the need to consider in general the reasons for the transfer of residence to France.''

If the 5 year residence rule is to be enforced, it remains unclear just what a 'case by case' consideration of all applications is supposed to do, except to try and demonstrate at least perfunctory compliance with EU rules.

Mixed Picture

Not unexpectedly, most of you affected by this rule are reporting difficulties in getting into the health system.

Greater success seems to be being achieved by those of you with a serious pre-existing medical condition that prevents you obtaining private health insurance. In most cases a letter of refusal of insurance from a private health insurer does seem to be able to unlock the door.

Those of you claiming low-income as a reason for not being able to take out a private insurance policy are experiencing mixed success, as CPAMs seem to be making up their own rules about whether a private health insurance policy is 'too onerous'.

There are also other CPAMs who are simply ignoring the guidance from the centre (or seem blithely unaware of it) and continue to grant access to early retirees.

It is clear that a great deal of pressure is now being placed on the French authorities due to the high number of appeals that are being made, and the number of complaints that have been made to the European Commission.

Some of you are experiencing delays in the processing of your applications. This may not be due to intransigence by the authorities, but staffing pressures that are being experienced in many CPAMs.

Do keep us posted at editor@french-property.com.

This article was featured in our Newsletter dated 01/02/2012


 David Yeates, Editor at www.french-property.com/news

Partners

Stratagems for Getting Health Cover

Stratagems for Getting Health Cover

Tuesday 01 May 2012

With the French government still refusing to budge on granting early retirees access to the health system, what options are there available?

It is clear from the stream of e mails we receive each week that there must be thousands of British and other European expats living in France unable to access the health system.
As a result, many of you have been obliged to take out often expensive private health insurance, which frequently fails to offer full cover due to pre-existing medical conditions.
In the worst cases, some of you are obliged to live in France without any health insurance, either because you cannot get private cover, or because it is too expensive.
We continue to remain in regular contact with the European Commission concerning this issue, and we are grateful to those of you who have taken our advice to complain to them about your circumstances.
The latest position we have from the Commission is as follows:
'The Commission has been monitoring how the new Circular is being applied in practice to see whether this is in line with the letter and the spirit of Regulation 883/2004. As a result of this monitoring process, we have serious concerns that the French authorities are continuing to refuse admission to the CMU in breach of EU law. The Commission has raised these concerns with the French authorities and hopes that a resolution of this difficult matter can be found soon.'

The statement does at least give some glimmer of hope, and it may well be that further progress will be made after the forthcoming French presidential elections in May.

In the meantime, what can you do? Here are a few options to consider:
 

      rong>i. Appeal
rong>      rong>ii. Change of Circumstances
rong>      rong>iii. Residence Permit
rong>      rong>iv. Auto-Entrepreneur
rong>      rong>v. Aide Médicale de l’Etatrong>

 

i. Appeal

If you are refused health cover by your local Caisse primaire d'assurance maladie (CPAM) you should make a formal appeal against the decision to the local appeal panel, the Commission de Recours Amiable (CRA).

No legal assistance is necessary, and you can pull together an appeal letter using the information contained in our Newsletters, notably the fact that refusal is contrary to European law.
There is no guarantee that you will be successful, and we know of many cases where the CRA have turned down appeals.
However, this has not universally been the case, and sometimes the threat of an appeal has been enough for the local CPAM to somehow miraculously change their position.
 
If you are turned down by the CRA you have a further right of appeal to a court of law, for which you are likely to need legal assistance.

ii. Change of Circumstances

Under even the restrictive provisions of existing French legislation it is possible to obtain access to the health system on a change of circumstances arising from an 'accident de vie'.

These change of circumstances are:
  • A reduction in income making it impossible to continue with private insurance;

  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;

  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;

  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.
Internal guidance given to the local health authorities in January remains ambiguous on whether health authorities have the discretion to allow early retirees access to the CMU on the expiry of the 'S' form cover where the applicant has been refused private insurance cover due to a pre-existing medical condition.
 
The guidance (Lettre Réseau DDGOS-7/201211/01/2012) states:
 
L’examen par la Cpam d’une demande éventuelle de CMUB repose donc sur l’appréciation du motif pour lequel la personne indique ne pas pouvoir souscrire une assurance privée: si elle est non assurable, la CPAM peut demander à l’intéressé de fournir les lettres opposant un refus d’assurance par différentes compagnies, notamment au motif de maladies préexistantes. La CPAM ayant géré la personne jusqu’alors, elle est d’ailleurs capable d’identifier si l’intéressé relève d’une ALD, sans avoir à en connaitre le motif médical précis.

So you will need to make application and argue your case. We are aware of a large number of cases where this has occurred, although there are probably an equal number who have been refused, despite the fact that they appeared to have a valid case. The difficulty is that it is all down to local case by case determination, and there seems no rhyme or reason to some of the decisions. Neither do we believe that local appeal decisions are collated and used as precedent at a national level.

iii. Residence Permit

The above guidance also makes it clear that those who hold a residence permit are granted the right of access to the CMU.
 
However, it needs to be a particular kind of residence permit, called a CE-séjour permanent-toutes activités professionnelles.
Such permits are ordinarily only available if you are registered self-employed, but we are aware of prefectures who seem willing to issue them to early retirees without the need to prove they run a business.
We did discuss this issue in a recent Newsletter, to which you might be best to refer, at rong>Health Cover and Residence Permits.

rong>
We consider for some of you this is a potentially fruitful approach as we know of a number of cases where it has worked.

iv. Auto-Entrepreneur

If you set up business in France you are no longer an ‘early retiree’, which then enables you to gain automatic right to the French health system.
One of the advantages of setting up as an auto-entrepreneur is that you do not need to demonstrate any turnover for two years before you then cease to be able to retain the status.
We do not advocate abusive uses of this approach (previous abuses of the health system by expats are why we are currently in this position), but if you do have even the germ of a business idea you wish to pursue this is a painless way to obtain health insurance cover, as well as business registration.

v. AME

Finally, if you have no means of health cover, you are on a low income, and you have been resident for at least three months, then you should consider making application for cover under the health regime of last resort, called the Aide Médicale de l’Etat (AME).
To be entitled to access the AME your income must not pass certain thresholds, which differ by family composition, as follows:
  • One Person - €7,771
  • Two People - €11,656
  • Three People - €13,988
  • Four People - €16,319
You should make application to your local CPAM.

Five Year Rule

And remember, even under present rules, once you have been resident in France for 5 years, you have an automatic entitlement to the health system.

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news


Partners

Dordogne Makes Concession on Health Cover

Dordogne Makes Concession on Health Cover

Friday 01 June 2012

The health authority in the Dordogne has agreed to admit early retirees with a long term illness into the health system.

According to Tony Mason of health insurance brokers Soficas those with what is known as an 'Affection de Longue Durée (ALD)'* prior to losing their health cover rights under an S1/E106 will now be able to obtain cover under the Couverture Maladie Universelle (CMU).

‘It still remains a little unclear to me why the CPAM have changed their position’ he says,‘but in large measure I think it is genuinely because, until we made them aware, they simply had no idea of the scale of the difficulties being faced by a large number of early retirees, who simply had no medical cover.’

The enlightenment of officials to the problem began several months ago when Tony attended a meeting of around 70 British expatriates in Perigeux organised by Angela Martyn, the President of the North Eastern Dordogne Women's Association. He arranged for local CPAM officials to be present.

At the time, the health officials denied that there was a problem of access into the health system.

''So as if to prove the point' say Tony, 'I opened the matter up to a show of hands in the room, when around one-third of those present stated that they had been refused health cover by the CPAM.

The look of disbelief on the faces of the officials was only matched by my own astonishment that they should appear to be so blindingly oblivious to what was taking place in their department.

At the end of the meeting officials confided to me that they clearly needed to undertake some internal consultation, and the outcome now appears to be the change in policy administration.''

Tony advises that those in the department of Dordogne with a pre-existing long-term illness should contact him to discuss whether they might be eligible to obtain access to join the CMU.

Those who develop an Affection de Longue Durée (ALD) after they come to France already have a right of access into the health system under ‘accident de vie’ provisions, on a case by case basis.

The position of those early retirees who do not have a long-term illness remains unchanged, although we would suggest you discuss your circumstances with Tony to see what can be done. You can contact him at tony@soficas.fr.

The same applies to those living in other areas of France, where the position of many local CPAMs remains intransigent, although not in all cases.

We are finding that a number of health authorities are conceding when pressured, while others are recommending that early retirees secure a residence permit, on the basis of which the health authority would then be able to grant them access into the system. We covered this point in our last Newsletter.

We await further news from the European Commission who are pressing the French government for a relaxation in the rules and infringement proceedings remain in force. It remains to be seen how matters might develop with a new government in place in the country.

*Affections de Longue Durée (ALD)

The list of those illnesses (in French) classified an ALD provided from the French health service website is show below. It currently excludes high-blood pressure, removed from the list last year, but this may by under review by the new government.

  • Accident vasculaire cérébral invalidant
  • Insuffisances médullaires et autres cytopénies chroniques
  • Artériopathies chroniques avec manifestations ischémiques
  • Bilharziose compliquée
  • Insuffisance cardiaque grave, troubles du rythme graves, cardiopathies valvulaires graves, cardiopathies congénitales graves
  • Maladies chroniques actives du foie et cirrhoses
  • Déficit immunitaire primitif grave nécessitant un traitement prolongé, infection par le virus de l'immuno-déficience humaine (VIH)
  • Diabète de type 1 et diabète de type 2
  • Formes graves des affections neurologiques et musculaires (dont myopathie), épilepsie grave
  • Hémoglobinopathies, hémolyses, chroniques constitutionnelles et acquises sévères
  • Hémophilies et affections constitutionnelles de l'hémostase graves
  • Maladie coronaire
  • Insuffisance respiratoire chronique grave
  • Maladie d'Alzheimer et autres démences
  • Maladie de Parkinson
  • Maladies métaboliques héréditaires nécessitant un traitement prolongé spécialisé
  • Mucoviscidose
  • Néphropathie chronique grave et syndrome néphrotique primitif
  • Paraplégie
  • Vascularites, lupus érythémateux systémique, sclérodermie systémique
  • Polyarthrite rhumatoïde évolutive
  • Affections psychiatriques de longue durée
  • Rectocolite hémorragique et maladie de Crohn évolutives
  • Sclérose en plaques
  • Scoliose idiopathique structurale évolutive (dont l'angle est égal ou supérieur à 25 degrés) jusqu'à maturation rachidienne
  • Spondylarthrite grave
  • Suites de transplantation d'organe
  • Tuberculose active, lèpre
  • Tumeur maligne, affection maligne du tissu lymphatique ou hématopoïétique

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news

 

Partners

LEBONHEUR immobilier - 65

Edward Landau from LeBonheur Immobilier has invited Tony MASON from SOFICAS to be a guest speaker for their conference day near MAUBOUGUET (65). 

The Café Matin group for Thursday 19 July will commence at 10.00am in the village hall in St Lanne, Hautes Pyrenees (border 65/32/64/40). 

rong>Meeting 19 July St Lanne Village Hallrong>

rong> 10:00rong> - Tea/Coffee (provided)

rong> 10:30 - 11:15/11:30rong> First Speaker - Victoria Headdon
(Effects of changes to Inheretance/Property Laws) - to include Q&A

rong>11:15/11:30 - 12:30rong> Edward Landau and Tony Mason of SOFICAS
(French Healthcare/Top Up Insurance etc) - to include Q&A

rong>12:30rong> - Pot Luck Lunch during which time we will attempt to answer as many questions as possible or perhaps make arrangements to meet at a further date. 

If you need any information before this date or are unable to come, please e-mail Tony : tony@soficas.fr

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

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rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

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rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

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French Regime definitions

1
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Examples of reimbursement:
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rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

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"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

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Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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Hospitalization / Hospitalisation:
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rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

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rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
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rong style="color: #006699;">Click onrong>
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rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

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France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

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Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

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Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #5cb3ff; margin-right: 0px; width: auto !important; ">HouseholdChildren Under 25 (or dependents)
No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

.        

Partners

France Sticks to Five Year Rule on Health Cover

France Sticks to Five Year Rule on Health Cover

Wednesday 01 February 2012

Internal documents reveal that France has comprehensively outwitted the EU over health cover reforms.

Despite the belief held by EU Commission that France had eased access into the health system for inactive early retirees, in fact documents obtained by us show that the five year residence rule remains in force.

Guidance sent to local health authorities last month by the health service national agency states that ''the expiration of an E106/S1 is not an automatic ground for granting access to the CMU, this event being foreseeable.''

The internal advice goes on to say that upon the expiry of their cover through an E106/S1 inactive early retirees should take out private health cover.

This directly contradicts the statements from the Commission that the whole purpose of the new Circular issued last June was to ease access arrangements for early retirees. 

Readers will recollect that the Commission brought infringement proceedings against France (which they have not abandoned) precisely because they were denying early retireess access into the health system.

However, the Commission can hardly be blamed for giving France the benefit of the doubt, for the June Circular explicitly withdraws the previous 2007 guidance, which prevented inactive early retirees entering the system, and nowhere is there mention of a five year rule.

Under European law European nationals legally resident in France for at least three months are entitled to be treated in the same manner as French nationals, including unfettered access to the health system, the Couverture Maladie Universelle (CMU).

By all appearances the June Circular seems to reflect this rule, stating as it does that the EU nationals enjoy continuity of rights as between one country and another.

Indeed, this is also reflected on the website of the CMU, which could not be clearer. It states:

''Pour pouvoir bénéficier de la couverture maladie universelle de base, vous devez résider en France de façon stable et régulière.

La résidence stable est réputée acquise après 3 mois de résidence. Cette condition est applicable à tous, français ou étrangers.''

The fact that this declaration has remained stubbornly promulgated on the website over the past few years does suggest some tensions within the health service about the stance France has taken. The site is otherwise regularly updated for changes in law and practice.

But the content of the June Circular is really no more than an oxymoron, leading to confusion even amongst many CPAMs many of whom have remained unclear of the policy in relation to inactive early retirees.

That is why they requested clearer guidance from the national agency, as part of which they submitted a series of questions, replies to which were included in the guidance that has been sent to them.

More generally, not only are many CPAMs confused, but it is clear from your reports at just how badly informed are some officials. 

Tony Mason, of health insurance brokers Soficas, says he recently attended a meeting in Perigeux, organised by Angela Martyn (President North Eastern Dordogne Women's Association), and attended by around 70 British expats and senior health officials from the local CPAM.

''The officials were completely unaware of the June Circular, and expressed disbelief when on a show of hands around one-third of those present said they had been refused health cover'', he says.

Now, of course, it may well be convenient for officials to deny knowledge of the problem, but there is widespread evidence that many local officials are simply ill-informed.

Medical Tourism

One of the other interesting aspects of the internal guidance is that it is clear the key factor behind the continued embargo is the fear by officials of ‘abuses’ of the health system, in particular, by those who relocate to France merely to obtain medical treatment. Officials seems obsessed by 'medical tourism'.

Accordingly, the guidance states EU regulations prevent the automatic refusal of early retirees, so each case must be examined on its merits, ''to prevent abusive behaviour and the need to consider in general the reasons for the transfer of residence to France.''

If the 5 year residence rule is to be enforced, it remains unclear just what a 'case by case' consideration of all applications is supposed to do, except to try and demonstrate at least perfunctory compliance with EU rules.

Mixed Picture

Not unexpectedly, most of you affected by this rule are reporting difficulties in getting into the health system.

Greater success seems to be being achieved by those of you with a serious pre-existing medical condition that prevents you obtaining private health insurance. In most cases a letter of refusal of insurance from a private health insurer does seem to be able to unlock the door.

Those of you claiming low-income as a reason for not being able to take out a private insurance policy are experiencing mixed success, as CPAMs seem to be making up their own rules about whether a private health insurance policy is 'too onerous'.

There are also other CPAMs who are simply ignoring the guidance from the centre (or seem blithely unaware of it) and continue to grant access to early retirees.

It is clear that a great deal of pressure is now being placed on the French authorities due to the high number of appeals that are being made, and the number of complaints that have been made to the European Commission.

Some of you are experiencing delays in the processing of your applications. This may not be due to intransigence by the authorities, but staffing pressures that are being experienced in many CPAMs.

Do keep us posted at editor@french-property.com.

This article was featured in our Newsletter dated 01/02/2012


 David Yeates, Editor at www.french-property.com/news

Partners

Stratagems for Getting Health Cover

Stratagems for Getting Health Cover

Tuesday 01 May 2012

With the French government still refusing to budge on granting early retirees access to the health system, what options are there available?

It is clear from the stream of e mails we receive each week that there must be thousands of British and other European expats living in France unable to access the health system.
As a result, many of you have been obliged to take out often expensive private health insurance, which frequently fails to offer full cover due to pre-existing medical conditions.
In the worst cases, some of you are obliged to live in France without any health insurance, either because you cannot get private cover, or because it is too expensive.
We continue to remain in regular contact with the European Commission concerning this issue, and we are grateful to those of you who have taken our advice to complain to them about your circumstances.
The latest position we have from the Commission is as follows:
'The Commission has been monitoring how the new Circular is being applied in practice to see whether this is in line with the letter and the spirit of Regulation 883/2004. As a result of this monitoring process, we have serious concerns that the French authorities are continuing to refuse admission to the CMU in breach of EU law. The Commission has raised these concerns with the French authorities and hopes that a resolution of this difficult matter can be found soon.'

The statement does at least give some glimmer of hope, and it may well be that further progress will be made after the forthcoming French presidential elections in May.

In the meantime, what can you do? Here are a few options to consider:
 

      rong>i. Appeal
rong>      rong>ii. Change of Circumstances
rong>      rong>iii. Residence Permit
rong>      rong>iv. Auto-Entrepreneur
rong>      rong>v. Aide Médicale de l’Etatrong>

 

i. Appeal

If you are refused health cover by your local Caisse primaire d'assurance maladie (CPAM) you should make a formal appeal against the decision to the local appeal panel, the Commission de Recours Amiable (CRA).

No legal assistance is necessary, and you can pull together an appeal letter using the information contained in our Newsletters, notably the fact that refusal is contrary to European law.
There is no guarantee that you will be successful, and we know of many cases where the CRA have turned down appeals.
However, this has not universally been the case, and sometimes the threat of an appeal has been enough for the local CPAM to somehow miraculously change their position.
 
If you are turned down by the CRA you have a further right of appeal to a court of law, for which you are likely to need legal assistance.

ii. Change of Circumstances

Under even the restrictive provisions of existing French legislation it is possible to obtain access to the health system on a change of circumstances arising from an 'accident de vie'.

These change of circumstances are:
  • A reduction in income making it impossible to continue with private insurance;

  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;

  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;

  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.
Internal guidance given to the local health authorities in January remains ambiguous on whether health authorities have the discretion to allow early retirees access to the CMU on the expiry of the 'S' form cover where the applicant has been refused private insurance cover due to a pre-existing medical condition.
 
The guidance (Lettre Réseau DDGOS-7/201211/01/2012) states:
 
L’examen par la Cpam d’une demande éventuelle de CMUB repose donc sur l’appréciation du motif pour lequel la personne indique ne pas pouvoir souscrire une assurance privée: si elle est non assurable, la CPAM peut demander à l’intéressé de fournir les lettres opposant un refus d’assurance par différentes compagnies, notamment au motif de maladies préexistantes. La CPAM ayant géré la personne jusqu’alors, elle est d’ailleurs capable d’identifier si l’intéressé relève d’une ALD, sans avoir à en connaitre le motif médical précis.

So you will need to make application and argue your case. We are aware of a large number of cases where this has occurred, although there are probably an equal number who have been refused, despite the fact that they appeared to have a valid case. The difficulty is that it is all down to local case by case determination, and there seems no rhyme or reason to some of the decisions. Neither do we believe that local appeal decisions are collated and used as precedent at a national level.

iii. Residence Permit

The above guidance also makes it clear that those who hold a residence permit are granted the right of access to the CMU.
 
However, it needs to be a particular kind of residence permit, called a CE-séjour permanent-toutes activités professionnelles.
Such permits are ordinarily only available if you are registered self-employed, but we are aware of prefectures who seem willing to issue them to early retirees without the need to prove they run a business.
We did discuss this issue in a recent Newsletter, to which you might be best to refer, at rong>Health Cover and Residence Permits.

rong>
We consider for some of you this is a potentially fruitful approach as we know of a number of cases where it has worked.

iv. Auto-Entrepreneur

If you set up business in France you are no longer an ‘early retiree’, which then enables you to gain automatic right to the French health system.
One of the advantages of setting up as an auto-entrepreneur is that you do not need to demonstrate any turnover for two years before you then cease to be able to retain the status.
We do not advocate abusive uses of this approach (previous abuses of the health system by expats are why we are currently in this position), but if you do have even the germ of a business idea you wish to pursue this is a painless way to obtain health insurance cover, as well as business registration.

v. AME

Finally, if you have no means of health cover, you are on a low income, and you have been resident for at least three months, then you should consider making application for cover under the health regime of last resort, called the Aide Médicale de l’Etat (AME).
To be entitled to access the AME your income must not pass certain thresholds, which differ by family composition, as follows:
  • One Person - €7,771
  • Two People - €11,656
  • Three People - €13,988
  • Four People - €16,319
You should make application to your local CPAM.

Five Year Rule

And remember, even under present rules, once you have been resident in France for 5 years, you have an automatic entitlement to the health system.

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news


Partners

Dordogne Makes Concession on Health Cover

Dordogne Makes Concession on Health Cover

Friday 01 June 2012

The health authority in the Dordogne has agreed to admit early retirees with a long term illness into the health system.

According to Tony Mason of health insurance brokers Soficas those with what is known as an 'Affection de Longue Durée (ALD)'* prior to losing their health cover rights under an S1/E106 will now be able to obtain cover under the Couverture Maladie Universelle (CMU).

‘It still remains a little unclear to me why the CPAM have changed their position’ he says,‘but in large measure I think it is genuinely because, until we made them aware, they simply had no idea of the scale of the difficulties being faced by a large number of early retirees, who simply had no medical cover.’

The enlightenment of officials to the problem began several months ago when Tony attended a meeting of around 70 British expatriates in Perigeux organised by Angela Martyn, the President of the North Eastern Dordogne Women's Association. He arranged for local CPAM officials to be present.

At the time, the health officials denied that there was a problem of access into the health system.

''So as if to prove the point' say Tony, 'I opened the matter up to a show of hands in the room, when around one-third of those present stated that they had been refused health cover by the CPAM.

The look of disbelief on the faces of the officials was only matched by my own astonishment that they should appear to be so blindingly oblivious to what was taking place in their department.

At the end of the meeting officials confided to me that they clearly needed to undertake some internal consultation, and the outcome now appears to be the change in policy administration.''

Tony advises that those in the department of Dordogne with a pre-existing long-term illness should contact him to discuss whether they might be eligible to obtain access to join the CMU.

Those who develop an Affection de Longue Durée (ALD) after they come to France already have a right of access into the health system under ‘accident de vie’ provisions, on a case by case basis.

The position of those early retirees who do not have a long-term illness remains unchanged, although we would suggest you discuss your circumstances with Tony to see what can be done. You can contact him at tony@soficas.fr.

The same applies to those living in other areas of France, where the position of many local CPAMs remains intransigent, although not in all cases.

We are finding that a number of health authorities are conceding when pressured, while others are recommending that early retirees secure a residence permit, on the basis of which the health authority would then be able to grant them access into the system. We covered this point in our last Newsletter.

We await further news from the European Commission who are pressing the French government for a relaxation in the rules and infringement proceedings remain in force. It remains to be seen how matters might develop with a new government in place in the country.

*Affections de Longue Durée (ALD)

The list of those illnesses (in French) classified an ALD provided from the French health service website is show below. It currently excludes high-blood pressure, removed from the list last year, but this may by under review by the new government.

  • Accident vasculaire cérébral invalidant
  • Insuffisances médullaires et autres cytopénies chroniques
  • Artériopathies chroniques avec manifestations ischémiques
  • Bilharziose compliquée
  • Insuffisance cardiaque grave, troubles du rythme graves, cardiopathies valvulaires graves, cardiopathies congénitales graves
  • Maladies chroniques actives du foie et cirrhoses
  • Déficit immunitaire primitif grave nécessitant un traitement prolongé, infection par le virus de l'immuno-déficience humaine (VIH)
  • Diabète de type 1 et diabète de type 2
  • Formes graves des affections neurologiques et musculaires (dont myopathie), épilepsie grave
  • Hémoglobinopathies, hémolyses, chroniques constitutionnelles et acquises sévères
  • Hémophilies et affections constitutionnelles de l'hémostase graves
  • Maladie coronaire
  • Insuffisance respiratoire chronique grave
  • Maladie d'Alzheimer et autres démences
  • Maladie de Parkinson
  • Maladies métaboliques héréditaires nécessitant un traitement prolongé spécialisé
  • Mucoviscidose
  • Néphropathie chronique grave et syndrome néphrotique primitif
  • Paraplégie
  • Vascularites, lupus érythémateux systémique, sclérodermie systémique
  • Polyarthrite rhumatoïde évolutive
  • Affections psychiatriques de longue durée
  • Rectocolite hémorragique et maladie de Crohn évolutives
  • Sclérose en plaques
  • Scoliose idiopathique structurale évolutive (dont l'angle est égal ou supérieur à 25 degrés) jusqu'à maturation rachidienne
  • Spondylarthrite grave
  • Suites de transplantation d'organe
  • Tuberculose active, lèpre
  • Tumeur maligne, affection maligne du tissu lymphatique ou hématopoïétique

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news

 

Partners

LEBONHEUR immobilier - 65

Edward Landau from LeBonheur Immobilier has invited Tony MASON from SOFICAS to be a guest speaker for their conference day near MAUBOUGUET (65). 

The Café Matin group for Thursday 19 July will commence at 10.00am in the village hall in St Lanne, Hautes Pyrenees (border 65/32/64/40). 

rong>Meeting 19 July St Lanne Village Hallrong>

rong> 10:00rong> - Tea/Coffee (provided)

rong> 10:30 - 11:15/11:30rong> First Speaker - Victoria Headdon
(Effects of changes to Inheretance/Property Laws) - to include Q&A

rong>11:15/11:30 - 12:30rong> Edward Landau and Tony Mason of SOFICAS
(French Healthcare/Top Up Insurance etc) - to include Q&A

rong>12:30rong> - Pot Luck Lunch during which time we will attempt to answer as many questions as possible or perhaps make arrangements to meet at a further date. 

If you need any information before this date or are unable to come, please e-mail Tony : tony@soficas.fr

Partners

Currency Watch & Converter

rong>Trust a Specialist to Get it Right on Overseas Transfersrong>

 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

 

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose.

 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free.

 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates.

 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers.

 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

 

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus.

 

Written by Karl Sieha,  Currencies Direct

 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

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rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

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rong style="text-align: center;">Second column shows the possible reimbursements: rong>

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rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

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rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

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rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

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rong style="text-align: center;">Click on each column to see their individual definitions:rong>

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French Regime definitions

1
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Examples of reimbursement:
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rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

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"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

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"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

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"Prise en charge"
Possible on demand even for Optical and Dentistry.

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Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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Hospitalization / Hospitalisation:
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rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


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rong style="color: #006699;">Click onrong>
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or description
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or description
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rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
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rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

Keep up to date with

Real Estate, Real Living, Real France

France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

Newsletter - Registration

Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

If you would like to receive this FREE newsletter directly to your mailbox please click on the sign up button below.

rong style="color: rgb(51, 102, 255);">Go to News rong>rong style="color: rgb(51, 102, 255);">| rong>rong>Cancel Registrationrong>

Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
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Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #5cb3ff; margin-right: 0px; width: auto !important; ">HouseholdChildren Under 25 (or dependents)
No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

.        

Partners

France Sticks to Five Year Rule on Health Cover

France Sticks to Five Year Rule on Health Cover

Wednesday 01 February 2012

Internal documents reveal that France has comprehensively outwitted the EU over health cover reforms.

Despite the belief held by EU Commission that France had eased access into the health system for inactive early retirees, in fact documents obtained by us show that the five year residence rule remains in force.

Guidance sent to local health authorities last month by the health service national agency states that ''the expiration of an E106/S1 is not an automatic ground for granting access to the CMU, this event being foreseeable.''

The internal advice goes on to say that upon the expiry of their cover through an E106/S1 inactive early retirees should take out private health cover.

This directly contradicts the statements from the Commission that the whole purpose of the new Circular issued last June was to ease access arrangements for early retirees. 

Readers will recollect that the Commission brought infringement proceedings against France (which they have not abandoned) precisely because they were denying early retireess access into the health system.

However, the Commission can hardly be blamed for giving France the benefit of the doubt, for the June Circular explicitly withdraws the previous 2007 guidance, which prevented inactive early retirees entering the system, and nowhere is there mention of a five year rule.

Under European law European nationals legally resident in France for at least three months are entitled to be treated in the same manner as French nationals, including unfettered access to the health system, the Couverture Maladie Universelle (CMU).

By all appearances the June Circular seems to reflect this rule, stating as it does that the EU nationals enjoy continuity of rights as between one country and another.

Indeed, this is also reflected on the website of the CMU, which could not be clearer. It states:

''Pour pouvoir bénéficier de la couverture maladie universelle de base, vous devez résider en France de façon stable et régulière.

La résidence stable est réputée acquise après 3 mois de résidence. Cette condition est applicable à tous, français ou étrangers.''

The fact that this declaration has remained stubbornly promulgated on the website over the past few years does suggest some tensions within the health service about the stance France has taken. The site is otherwise regularly updated for changes in law and practice.

But the content of the June Circular is really no more than an oxymoron, leading to confusion even amongst many CPAMs many of whom have remained unclear of the policy in relation to inactive early retirees.

That is why they requested clearer guidance from the national agency, as part of which they submitted a series of questions, replies to which were included in the guidance that has been sent to them.

More generally, not only are many CPAMs confused, but it is clear from your reports at just how badly informed are some officials. 

Tony Mason, of health insurance brokers Soficas, says he recently attended a meeting in Perigeux, organised by Angela Martyn (President North Eastern Dordogne Women's Association), and attended by around 70 British expats and senior health officials from the local CPAM.

''The officials were completely unaware of the June Circular, and expressed disbelief when on a show of hands around one-third of those present said they had been refused health cover'', he says.

Now, of course, it may well be convenient for officials to deny knowledge of the problem, but there is widespread evidence that many local officials are simply ill-informed.

Medical Tourism

One of the other interesting aspects of the internal guidance is that it is clear the key factor behind the continued embargo is the fear by officials of ‘abuses’ of the health system, in particular, by those who relocate to France merely to obtain medical treatment. Officials seems obsessed by 'medical tourism'.

Accordingly, the guidance states EU regulations prevent the automatic refusal of early retirees, so each case must be examined on its merits, ''to prevent abusive behaviour and the need to consider in general the reasons for the transfer of residence to France.''

If the 5 year residence rule is to be enforced, it remains unclear just what a 'case by case' consideration of all applications is supposed to do, except to try and demonstrate at least perfunctory compliance with EU rules.

Mixed Picture

Not unexpectedly, most of you affected by this rule are reporting difficulties in getting into the health system.

Greater success seems to be being achieved by those of you with a serious pre-existing medical condition that prevents you obtaining private health insurance. In most cases a letter of refusal of insurance from a private health insurer does seem to be able to unlock the door.

Those of you claiming low-income as a reason for not being able to take out a private insurance policy are experiencing mixed success, as CPAMs seem to be making up their own rules about whether a private health insurance policy is 'too onerous'.

There are also other CPAMs who are simply ignoring the guidance from the centre (or seem blithely unaware of it) and continue to grant access to early retirees.

It is clear that a great deal of pressure is now being placed on the French authorities due to the high number of appeals that are being made, and the number of complaints that have been made to the European Commission.

Some of you are experiencing delays in the processing of your applications. This may not be due to intransigence by the authorities, but staffing pressures that are being experienced in many CPAMs.

Do keep us posted at editor@french-property.com.

This article was featured in our Newsletter dated 01/02/2012


 David Yeates, Editor at www.french-property.com/news

Partners

Stratagems for Getting Health Cover

Stratagems for Getting Health Cover

Tuesday 01 May 2012

With the French government still refusing to budge on granting early retirees access to the health system, what options are there available?

It is clear from the stream of e mails we receive each week that there must be thousands of British and other European expats living in France unable to access the health system.
As a result, many of you have been obliged to take out often expensive private health insurance, which frequently fails to offer full cover due to pre-existing medical conditions.
In the worst cases, some of you are obliged to live in France without any health insurance, either because you cannot get private cover, or because it is too expensive.
We continue to remain in regular contact with the European Commission concerning this issue, and we are grateful to those of you who have taken our advice to complain to them about your circumstances.
The latest position we have from the Commission is as follows:
'The Commission has been monitoring how the new Circular is being applied in practice to see whether this is in line with the letter and the spirit of Regulation 883/2004. As a result of this monitoring process, we have serious concerns that the French authorities are continuing to refuse admission to the CMU in breach of EU law. The Commission has raised these concerns with the French authorities and hopes that a resolution of this difficult matter can be found soon.'

The statement does at least give some glimmer of hope, and it may well be that further progress will be made after the forthcoming French presidential elections in May.

In the meantime, what can you do? Here are a few options to consider:
 

      rong>i. Appeal
rong>      rong>ii. Change of Circumstances
rong>      rong>iii. Residence Permit
rong>      rong>iv. Auto-Entrepreneur
rong>      rong>v. Aide Médicale de l’Etatrong>

 

i. Appeal

If you are refused health cover by your local Caisse primaire d'assurance maladie (CPAM) you should make a formal appeal against the decision to the local appeal panel, the Commission de Recours Amiable (CRA).

No legal assistance is necessary, and you can pull together an appeal letter using the information contained in our Newsletters, notably the fact that refusal is contrary to European law.
There is no guarantee that you will be successful, and we know of many cases where the CRA have turned down appeals.
However, this has not universally been the case, and sometimes the threat of an appeal has been enough for the local CPAM to somehow miraculously change their position.
 
If you are turned down by the CRA you have a further right of appeal to a court of law, for which you are likely to need legal assistance.

ii. Change of Circumstances

Under even the restrictive provisions of existing French legislation it is possible to obtain access to the health system on a change of circumstances arising from an 'accident de vie'.

These change of circumstances are:
  • A reduction in income making it impossible to continue with private insurance;

  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;

  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;

  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.
Internal guidance given to the local health authorities in January remains ambiguous on whether health authorities have the discretion to allow early retirees access to the CMU on the expiry of the 'S' form cover where the applicant has been refused private insurance cover due to a pre-existing medical condition.
 
The guidance (Lettre Réseau DDGOS-7/201211/01/2012) states:
 
L’examen par la Cpam d’une demande éventuelle de CMUB repose donc sur l’appréciation du motif pour lequel la personne indique ne pas pouvoir souscrire une assurance privée: si elle est non assurable, la CPAM peut demander à l’intéressé de fournir les lettres opposant un refus d’assurance par différentes compagnies, notamment au motif de maladies préexistantes. La CPAM ayant géré la personne jusqu’alors, elle est d’ailleurs capable d’identifier si l’intéressé relève d’une ALD, sans avoir à en connaitre le motif médical précis.

So you will need to make application and argue your case. We are aware of a large number of cases where this has occurred, although there are probably an equal number who have been refused, despite the fact that they appeared to have a valid case. The difficulty is that it is all down to local case by case determination, and there seems no rhyme or reason to some of the decisions. Neither do we believe that local appeal decisions are collated and used as precedent at a national level.

iii. Residence Permit

The above guidance also makes it clear that those who hold a residence permit are granted the right of access to the CMU.
 
However, it needs to be a particular kind of residence permit, called a CE-séjour permanent-toutes activités professionnelles.
Such permits are ordinarily only available if you are registered self-employed, but we are aware of prefectures who seem willing to issue them to early retirees without the need to prove they run a business.
We did discuss this issue in a recent Newsletter, to which you might be best to refer, at rong>Health Cover and Residence Permits.

rong>
We consider for some of you this is a potentially fruitful approach as we know of a number of cases where it has worked.

iv. Auto-Entrepreneur

If you set up business in France you are no longer an ‘early retiree’, which then enables you to gain automatic right to the French health system.
One of the advantages of setting up as an auto-entrepreneur is that you do not need to demonstrate any turnover for two years before you then cease to be able to retain the status.
We do not advocate abusive uses of this approach (previous abuses of the health system by expats are why we are currently in this position), but if you do have even the germ of a business idea you wish to pursue this is a painless way to obtain health insurance cover, as well as business registration.

v. AME

Finally, if you have no means of health cover, you are on a low income, and you have been resident for at least three months, then you should consider making application for cover under the health regime of last resort, called the Aide Médicale de l’Etat (AME).
To be entitled to access the AME your income must not pass certain thresholds, which differ by family composition, as follows:
  • One Person - €7,771
  • Two People - €11,656
  • Three People - €13,988
  • Four People - €16,319
You should make application to your local CPAM.

Five Year Rule

And remember, even under present rules, once you have been resident in France for 5 years, you have an automatic entitlement to the health system.

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news


Partners

Dordogne Makes Concession on Health Cover

Dordogne Makes Concession on Health Cover

Friday 01 June 2012

The health authority in the Dordogne has agreed to admit early retirees with a long term illness into the health system.

According to Tony Mason of health insurance brokers Soficas those with what is known as an 'Affection de Longue Durée (ALD)'* prior to losing their health cover rights under an S1/E106 will now be able to obtain cover under the Couverture Maladie Universelle (CMU).

‘It still remains a little unclear to me why the CPAM have changed their position’ he says,‘but in large measure I think it is genuinely because, until we made them aware, they simply had no idea of the scale of the difficulties being faced by a large number of early retirees, who simply had no medical cover.’

The enlightenment of officials to the problem began several months ago when Tony attended a meeting of around 70 British expatriates in Perigeux organised by Angela Martyn, the President of the North Eastern Dordogne Women's Association. He arranged for local CPAM officials to be present.

At the time, the health officials denied that there was a problem of access into the health system.

''So as if to prove the point' say Tony, 'I opened the matter up to a show of hands in the room, when around one-third of those present stated that they had been refused health cover by the CPAM.

The look of disbelief on the faces of the officials was only matched by my own astonishment that they should appear to be so blindingly oblivious to what was taking place in their department.

At the end of the meeting officials confided to me that they clearly needed to undertake some internal consultation, and the outcome now appears to be the change in policy administration.''

Tony advises that those in the department of Dordogne with a pre-existing long-term illness should contact him to discuss whether they might be eligible to obtain access to join the CMU.

Those who develop an Affection de Longue Durée (ALD) after they come to France already have a right of access into the health system under ‘accident de vie’ provisions, on a case by case basis.

The position of those early retirees who do not have a long-term illness remains unchanged, although we would suggest you discuss your circumstances with Tony to see what can be done. You can contact him at tony@soficas.fr.

The same applies to those living in other areas of France, where the position of many local CPAMs remains intransigent, although not in all cases.

We are finding that a number of health authorities are conceding when pressured, while others are recommending that early retirees secure a residence permit, on the basis of which the health authority would then be able to grant them access into the system. We covered this point in our last Newsletter.

We await further news from the European Commission who are pressing the French government for a relaxation in the rules and infringement proceedings remain in force. It remains to be seen how matters might develop with a new government in place in the country.

*Affections de Longue Durée (ALD)

The list of those illnesses (in French) classified an ALD provided from the French health service website is show below. It currently excludes high-blood pressure, removed from the list last year, but this may by under review by the new government.

  • Accident vasculaire cérébral invalidant
  • Insuffisances médullaires et autres cytopénies chroniques
  • Artériopathies chroniques avec manifestations ischémiques
  • Bilharziose compliquée
  • Insuffisance cardiaque grave, troubles du rythme graves, cardiopathies valvulaires graves, cardiopathies congénitales graves
  • Maladies chroniques actives du foie et cirrhoses
  • Déficit immunitaire primitif grave nécessitant un traitement prolongé, infection par le virus de l'immuno-déficience humaine (VIH)
  • Diabète de type 1 et diabète de type 2
  • Formes graves des affections neurologiques et musculaires (dont myopathie), épilepsie grave
  • Hémoglobinopathies, hémolyses, chroniques constitutionnelles et acquises sévères
  • Hémophilies et affections constitutionnelles de l'hémostase graves
  • Maladie coronaire
  • Insuffisance respiratoire chronique grave
  • Maladie d'Alzheimer et autres démences
  • Maladie de Parkinson
  • Maladies métaboliques héréditaires nécessitant un traitement prolongé spécialisé
  • Mucoviscidose
  • Néphropathie chronique grave et syndrome néphrotique primitif
  • Paraplégie
  • Vascularites, lupus érythémateux systémique, sclérodermie systémique
  • Polyarthrite rhumatoïde évolutive
  • Affections psychiatriques de longue durée
  • Rectocolite hémorragique et maladie de Crohn évolutives
  • Sclérose en plaques
  • Scoliose idiopathique structurale évolutive (dont l'angle est égal ou supérieur à 25 degrés) jusqu'à maturation rachidienne
  • Spondylarthrite grave
  • Suites de transplantation d'organe
  • Tuberculose active, lèpre
  • Tumeur maligne, affection maligne du tissu lymphatique ou hématopoïétique

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news

 

Partners

LEBONHEUR immobilier - 65

Edward Landau from LeBonheur Immobilier has invited Tony MASON from SOFICAS to be a guest speaker for their conference day near MAUBOUGUET (65). 

The Café Matin group for Thursday 19 July will commence at 10.00am in the village hall in St Lanne, Hautes Pyrenees (border 65/32/64/40). 

rong>Meeting 19 July St Lanne Village Hallrong>

rong> 10:00rong> - Tea/Coffee (provided)

rong> 10:30 - 11:15/11:30rong> First Speaker - Victoria Headdon
(Effects of changes to Inheretance/Property Laws) - to include Q&A

rong>11:15/11:30 - 12:30rong> Edward Landau and Tony Mason of SOFICAS
(French Healthcare/Top Up Insurance etc) - to include Q&A

rong>12:30rong> - Pot Luck Lunch during which time we will attempt to answer as many questions as possible or perhaps make arrangements to meet at a further date. 

If you need any information before this date or are unable to come, please e-mail Tony : tony@soficas.fr

Partners

Currency Watch & Converter

rong>Trust a Specialist to Get it Right on Overseas Transfersrong>

 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

 

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose.

 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free.

 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates.

 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers.

 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

 

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus.

 

Written by Karl Sieha,  Currencies Direct

 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

SOFICAS new address


rong>SOFICAS 6 rue Jean-Croix-Treyeran 33200 – BORDEAUX
rong>Obviously, any post sent to the old address will be redirected for a couple of years.

 

Please go to the rong>CONTACT US rong>page to see where to send your rong>bills, estimates and general enquiriesrong>.

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

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rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

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French Regime definitions

1
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Examples of reimbursement:
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rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

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Hospitalization / Hospitalisation:
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rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
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rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
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rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

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France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

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Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

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Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #5cb3ff; margin-right: 0px; width: auto !important; ">HouseholdChildren Under 25 (or dependents)
No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

.        

Partners

France Sticks to Five Year Rule on Health Cover

France Sticks to Five Year Rule on Health Cover

Wednesday 01 February 2012

Internal documents reveal that France has comprehensively outwitted the EU over health cover reforms.

Despite the belief held by EU Commission that France had eased access into the health system for inactive early retirees, in fact documents obtained by us show that the five year residence rule remains in force.

Guidance sent to local health authorities last month by the health service national agency states that ''the expiration of an E106/S1 is not an automatic ground for granting access to the CMU, this event being foreseeable.''

The internal advice goes on to say that upon the expiry of their cover through an E106/S1 inactive early retirees should take out private health cover.

This directly contradicts the statements from the Commission that the whole purpose of the new Circular issued last June was to ease access arrangements for early retirees. 

Readers will recollect that the Commission brought infringement proceedings against France (which they have not abandoned) precisely because they were denying early retireess access into the health system.

However, the Commission can hardly be blamed for giving France the benefit of the doubt, for the June Circular explicitly withdraws the previous 2007 guidance, which prevented inactive early retirees entering the system, and nowhere is there mention of a five year rule.

Under European law European nationals legally resident in France for at least three months are entitled to be treated in the same manner as French nationals, including unfettered access to the health system, the Couverture Maladie Universelle (CMU).

By all appearances the June Circular seems to reflect this rule, stating as it does that the EU nationals enjoy continuity of rights as between one country and another.

Indeed, this is also reflected on the website of the CMU, which could not be clearer. It states:

''Pour pouvoir bénéficier de la couverture maladie universelle de base, vous devez résider en France de façon stable et régulière.

La résidence stable est réputée acquise après 3 mois de résidence. Cette condition est applicable à tous, français ou étrangers.''

The fact that this declaration has remained stubbornly promulgated on the website over the past few years does suggest some tensions within the health service about the stance France has taken. The site is otherwise regularly updated for changes in law and practice.

But the content of the June Circular is really no more than an oxymoron, leading to confusion even amongst many CPAMs many of whom have remained unclear of the policy in relation to inactive early retirees.

That is why they requested clearer guidance from the national agency, as part of which they submitted a series of questions, replies to which were included in the guidance that has been sent to them.

More generally, not only are many CPAMs confused, but it is clear from your reports at just how badly informed are some officials. 

Tony Mason, of health insurance brokers Soficas, says he recently attended a meeting in Perigeux, organised by Angela Martyn (President North Eastern Dordogne Women's Association), and attended by around 70 British expats and senior health officials from the local CPAM.

''The officials were completely unaware of the June Circular, and expressed disbelief when on a show of hands around one-third of those present said they had been refused health cover'', he says.

Now, of course, it may well be convenient for officials to deny knowledge of the problem, but there is widespread evidence that many local officials are simply ill-informed.

Medical Tourism

One of the other interesting aspects of the internal guidance is that it is clear the key factor behind the continued embargo is the fear by officials of ‘abuses’ of the health system, in particular, by those who relocate to France merely to obtain medical treatment. Officials seems obsessed by 'medical tourism'.

Accordingly, the guidance states EU regulations prevent the automatic refusal of early retirees, so each case must be examined on its merits, ''to prevent abusive behaviour and the need to consider in general the reasons for the transfer of residence to France.''

If the 5 year residence rule is to be enforced, it remains unclear just what a 'case by case' consideration of all applications is supposed to do, except to try and demonstrate at least perfunctory compliance with EU rules.

Mixed Picture

Not unexpectedly, most of you affected by this rule are reporting difficulties in getting into the health system.

Greater success seems to be being achieved by those of you with a serious pre-existing medical condition that prevents you obtaining private health insurance. In most cases a letter of refusal of insurance from a private health insurer does seem to be able to unlock the door.

Those of you claiming low-income as a reason for not being able to take out a private insurance policy are experiencing mixed success, as CPAMs seem to be making up their own rules about whether a private health insurance policy is 'too onerous'.

There are also other CPAMs who are simply ignoring the guidance from the centre (or seem blithely unaware of it) and continue to grant access to early retirees.

It is clear that a great deal of pressure is now being placed on the French authorities due to the high number of appeals that are being made, and the number of complaints that have been made to the European Commission.

Some of you are experiencing delays in the processing of your applications. This may not be due to intransigence by the authorities, but staffing pressures that are being experienced in many CPAMs.

Do keep us posted at editor@french-property.com.

This article was featured in our Newsletter dated 01/02/2012


 David Yeates, Editor at www.french-property.com/news

Partners

Stratagems for Getting Health Cover

Stratagems for Getting Health Cover

Tuesday 01 May 2012

With the French government still refusing to budge on granting early retirees access to the health system, what options are there available?

It is clear from the stream of e mails we receive each week that there must be thousands of British and other European expats living in France unable to access the health system.
As a result, many of you have been obliged to take out often expensive private health insurance, which frequently fails to offer full cover due to pre-existing medical conditions.
In the worst cases, some of you are obliged to live in France without any health insurance, either because you cannot get private cover, or because it is too expensive.
We continue to remain in regular contact with the European Commission concerning this issue, and we are grateful to those of you who have taken our advice to complain to them about your circumstances.
The latest position we have from the Commission is as follows:
'The Commission has been monitoring how the new Circular is being applied in practice to see whether this is in line with the letter and the spirit of Regulation 883/2004. As a result of this monitoring process, we have serious concerns that the French authorities are continuing to refuse admission to the CMU in breach of EU law. The Commission has raised these concerns with the French authorities and hopes that a resolution of this difficult matter can be found soon.'

The statement does at least give some glimmer of hope, and it may well be that further progress will be made after the forthcoming French presidential elections in May.

In the meantime, what can you do? Here are a few options to consider:
 

      rong>i. Appeal
rong>      rong>ii. Change of Circumstances
rong>      rong>iii. Residence Permit
rong>      rong>iv. Auto-Entrepreneur
rong>      rong>v. Aide Médicale de l’Etatrong>

 

i. Appeal

If you are refused health cover by your local Caisse primaire d'assurance maladie (CPAM) you should make a formal appeal against the decision to the local appeal panel, the Commission de Recours Amiable (CRA).

No legal assistance is necessary, and you can pull together an appeal letter using the information contained in our Newsletters, notably the fact that refusal is contrary to European law.
There is no guarantee that you will be successful, and we know of many cases where the CRA have turned down appeals.
However, this has not universally been the case, and sometimes the threat of an appeal has been enough for the local CPAM to somehow miraculously change their position.
 
If you are turned down by the CRA you have a further right of appeal to a court of law, for which you are likely to need legal assistance.

ii. Change of Circumstances

Under even the restrictive provisions of existing French legislation it is possible to obtain access to the health system on a change of circumstances arising from an 'accident de vie'.

These change of circumstances are:
  • A reduction in income making it impossible to continue with private insurance;

  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;

  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;

  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.
Internal guidance given to the local health authorities in January remains ambiguous on whether health authorities have the discretion to allow early retirees access to the CMU on the expiry of the 'S' form cover where the applicant has been refused private insurance cover due to a pre-existing medical condition.
 
The guidance (Lettre Réseau DDGOS-7/201211/01/2012) states:
 
L’examen par la Cpam d’une demande éventuelle de CMUB repose donc sur l’appréciation du motif pour lequel la personne indique ne pas pouvoir souscrire une assurance privée: si elle est non assurable, la CPAM peut demander à l’intéressé de fournir les lettres opposant un refus d’assurance par différentes compagnies, notamment au motif de maladies préexistantes. La CPAM ayant géré la personne jusqu’alors, elle est d’ailleurs capable d’identifier si l’intéressé relève d’une ALD, sans avoir à en connaitre le motif médical précis.

So you will need to make application and argue your case. We are aware of a large number of cases where this has occurred, although there are probably an equal number who have been refused, despite the fact that they appeared to have a valid case. The difficulty is that it is all down to local case by case determination, and there seems no rhyme or reason to some of the decisions. Neither do we believe that local appeal decisions are collated and used as precedent at a national level.

iii. Residence Permit

The above guidance also makes it clear that those who hold a residence permit are granted the right of access to the CMU.
 
However, it needs to be a particular kind of residence permit, called a CE-séjour permanent-toutes activités professionnelles.
Such permits are ordinarily only available if you are registered self-employed, but we are aware of prefectures who seem willing to issue them to early retirees without the need to prove they run a business.
We did discuss this issue in a recent Newsletter, to which you might be best to refer, at rong>Health Cover and Residence Permits.

rong>
We consider for some of you this is a potentially fruitful approach as we know of a number of cases where it has worked.

iv. Auto-Entrepreneur

If you set up business in France you are no longer an ‘early retiree’, which then enables you to gain automatic right to the French health system.
One of the advantages of setting up as an auto-entrepreneur is that you do not need to demonstrate any turnover for two years before you then cease to be able to retain the status.
We do not advocate abusive uses of this approach (previous abuses of the health system by expats are why we are currently in this position), but if you do have even the germ of a business idea you wish to pursue this is a painless way to obtain health insurance cover, as well as business registration.

v. AME

Finally, if you have no means of health cover, you are on a low income, and you have been resident for at least three months, then you should consider making application for cover under the health regime of last resort, called the Aide Médicale de l’Etat (AME).
To be entitled to access the AME your income must not pass certain thresholds, which differ by family composition, as follows:
  • One Person - €7,771
  • Two People - €11,656
  • Three People - €13,988
  • Four People - €16,319
You should make application to your local CPAM.

Five Year Rule

And remember, even under present rules, once you have been resident in France for 5 years, you have an automatic entitlement to the health system.

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news


Partners

Dordogne Makes Concession on Health Cover

Dordogne Makes Concession on Health Cover

Friday 01 June 2012

The health authority in the Dordogne has agreed to admit early retirees with a long term illness into the health system.

According to Tony Mason of health insurance brokers Soficas those with what is known as an 'Affection de Longue Durée (ALD)'* prior to losing their health cover rights under an S1/E106 will now be able to obtain cover under the Couverture Maladie Universelle (CMU).

‘It still remains a little unclear to me why the CPAM have changed their position’ he says,‘but in large measure I think it is genuinely because, until we made them aware, they simply had no idea of the scale of the difficulties being faced by a large number of early retirees, who simply had no medical cover.’

The enlightenment of officials to the problem began several months ago when Tony attended a meeting of around 70 British expatriates in Perigeux organised by Angela Martyn, the President of the North Eastern Dordogne Women's Association. He arranged for local CPAM officials to be present.

At the time, the health officials denied that there was a problem of access into the health system.

''So as if to prove the point' say Tony, 'I opened the matter up to a show of hands in the room, when around one-third of those present stated that they had been refused health cover by the CPAM.

The look of disbelief on the faces of the officials was only matched by my own astonishment that they should appear to be so blindingly oblivious to what was taking place in their department.

At the end of the meeting officials confided to me that they clearly needed to undertake some internal consultation, and the outcome now appears to be the change in policy administration.''

Tony advises that those in the department of Dordogne with a pre-existing long-term illness should contact him to discuss whether they might be eligible to obtain access to join the CMU.

Those who develop an Affection de Longue Durée (ALD) after they come to France already have a right of access into the health system under ‘accident de vie’ provisions, on a case by case basis.

The position of those early retirees who do not have a long-term illness remains unchanged, although we would suggest you discuss your circumstances with Tony to see what can be done. You can contact him at tony@soficas.fr.

The same applies to those living in other areas of France, where the position of many local CPAMs remains intransigent, although not in all cases.

We are finding that a number of health authorities are conceding when pressured, while others are recommending that early retirees secure a residence permit, on the basis of which the health authority would then be able to grant them access into the system. We covered this point in our last Newsletter.

We await further news from the European Commission who are pressing the French government for a relaxation in the rules and infringement proceedings remain in force. It remains to be seen how matters might develop with a new government in place in the country.

*Affections de Longue Durée (ALD)

The list of those illnesses (in French) classified an ALD provided from the French health service website is show below. It currently excludes high-blood pressure, removed from the list last year, but this may by under review by the new government.

  • Accident vasculaire cérébral invalidant
  • Insuffisances médullaires et autres cytopénies chroniques
  • Artériopathies chroniques avec manifestations ischémiques
  • Bilharziose compliquée
  • Insuffisance cardiaque grave, troubles du rythme graves, cardiopathies valvulaires graves, cardiopathies congénitales graves
  • Maladies chroniques actives du foie et cirrhoses
  • Déficit immunitaire primitif grave nécessitant un traitement prolongé, infection par le virus de l'immuno-déficience humaine (VIH)
  • Diabète de type 1 et diabète de type 2
  • Formes graves des affections neurologiques et musculaires (dont myopathie), épilepsie grave
  • Hémoglobinopathies, hémolyses, chroniques constitutionnelles et acquises sévères
  • Hémophilies et affections constitutionnelles de l'hémostase graves
  • Maladie coronaire
  • Insuffisance respiratoire chronique grave
  • Maladie d'Alzheimer et autres démences
  • Maladie de Parkinson
  • Maladies métaboliques héréditaires nécessitant un traitement prolongé spécialisé
  • Mucoviscidose
  • Néphropathie chronique grave et syndrome néphrotique primitif
  • Paraplégie
  • Vascularites, lupus érythémateux systémique, sclérodermie systémique
  • Polyarthrite rhumatoïde évolutive
  • Affections psychiatriques de longue durée
  • Rectocolite hémorragique et maladie de Crohn évolutives
  • Sclérose en plaques
  • Scoliose idiopathique structurale évolutive (dont l'angle est égal ou supérieur à 25 degrés) jusqu'à maturation rachidienne
  • Spondylarthrite grave
  • Suites de transplantation d'organe
  • Tuberculose active, lèpre
  • Tumeur maligne, affection maligne du tissu lymphatique ou hématopoïétique

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news

 

Partners

LEBONHEUR immobilier - 65

Edward Landau from LeBonheur Immobilier has invited Tony MASON from SOFICAS to be a guest speaker for their conference day near MAUBOUGUET (65). 

The Café Matin group for Thursday 19 July will commence at 10.00am in the village hall in St Lanne, Hautes Pyrenees (border 65/32/64/40). 

rong>Meeting 19 July St Lanne Village Hallrong>

rong> 10:00rong> - Tea/Coffee (provided)

rong> 10:30 - 11:15/11:30rong> First Speaker - Victoria Headdon
(Effects of changes to Inheretance/Property Laws) - to include Q&A

rong>11:15/11:30 - 12:30rong> Edward Landau and Tony Mason of SOFICAS
(French Healthcare/Top Up Insurance etc) - to include Q&A

rong>12:30rong> - Pot Luck Lunch during which time we will attempt to answer as many questions as possible or perhaps make arrangements to meet at a further date. 

If you need any information before this date or are unable to come, please e-mail Tony : tony@soficas.fr

Partners

Currency Watch & Converter

rong>Trust a Specialist to Get it Right on Overseas Transfersrong>

 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

 

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose.

 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free.

 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates.

 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers.

 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

 

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus.

 

Written by Karl Sieha,  Currencies Direct

 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

SOFICAS new address


rong>SOFICAS 6 rue Jean-Croix-Treyeran 33200 – BORDEAUX
rong>Obviously, any post sent to the old address will be redirected for a couple of years.

 

Please go to the rong>CONTACT US rong>page to see where to send your rong>bills, estimates and general enquiriesrong>.

Partners

Next talk: 12th July 10h30

First talk after BREXIT held at Pontivy (56)

Brittany Tuesday Club

Tuesday 12th July 2016 at 10h30, free talk with optional lunch with club members to continue the debate.

For those wanting further information, I will personally be visiting everyone between the 11th and 23rd July.

The Brittany Tuesday Club, so called because it meets every second Tuesday of the month at the robic Hotel, Pontivy offering British expatriates and residents of the region a lively programme of lunches, outings and talks.
I am very honoured to have been invited to talk about how the French health system works and what possible changes could be forthcoming regarding the BREXIT referendum.

If you would like to come along as a guest and why not become a member yourself please contact rong>Tony MASONrong> : rong style="font-size: 14pt;">tony@soficas.frrong> (places are limited so please reserve quickly).
Click on the different links to visit the Brittany Tuesday Club rong style="font-size: 14pt;">WEBSITErong>rong>DIARYrong>rong> rong>to see past and upcoming events and on rong>DIRECTIONSrong>rong> rong>for details on to get to the hotel/restaurant.
If you require any other information please do not hesitate contacting me at the office on rong>05.56.51.91.60rong> or if you would like to arrange a personal visit during my tour please contact rong>Tony MASONrong> : rong style="font-size: 14pt;">tony@soficas.frrong> or rong>06.84.53.94.30rong>.


Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

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Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

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Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

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French Regime definitions

1
rong>

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Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
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rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

Keep up to date with

Real Estate, Real Living, Real France

France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

Newsletter - Registration

Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

If you would like to receive this FREE newsletter directly to your mailbox please click on the sign up button below.

rong style="color: rgb(51, 102, 255);">Go to News rong>rong style="color: rgb(51, 102, 255);">| rong>rong>Cancel Registrationrong>

Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
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Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #5cb3ff; margin-right: 0px; width: auto !important; ">HouseholdChildren Under 25 (or dependents)
No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

.        

Partners

France Sticks to Five Year Rule on Health Cover

France Sticks to Five Year Rule on Health Cover

Wednesday 01 February 2012

Internal documents reveal that France has comprehensively outwitted the EU over health cover reforms.

Despite the belief held by EU Commission that France had eased access into the health system for inactive early retirees, in fact documents obtained by us show that the five year residence rule remains in force.

Guidance sent to local health authorities last month by the health service national agency states that ''the expiration of an E106/S1 is not an automatic ground for granting access to the CMU, this event being foreseeable.''

The internal advice goes on to say that upon the expiry of their cover through an E106/S1 inactive early retirees should take out private health cover.

This directly contradicts the statements from the Commission that the whole purpose of the new Circular issued last June was to ease access arrangements for early retirees. 

Readers will recollect that the Commission brought infringement proceedings against France (which they have not abandoned) precisely because they were denying early retireess access into the health system.

However, the Commission can hardly be blamed for giving France the benefit of the doubt, for the June Circular explicitly withdraws the previous 2007 guidance, which prevented inactive early retirees entering the system, and nowhere is there mention of a five year rule.

Under European law European nationals legally resident in France for at least three months are entitled to be treated in the same manner as French nationals, including unfettered access to the health system, the Couverture Maladie Universelle (CMU).

By all appearances the June Circular seems to reflect this rule, stating as it does that the EU nationals enjoy continuity of rights as between one country and another.

Indeed, this is also reflected on the website of the CMU, which could not be clearer. It states:

''Pour pouvoir bénéficier de la couverture maladie universelle de base, vous devez résider en France de façon stable et régulière.

La résidence stable est réputée acquise après 3 mois de résidence. Cette condition est applicable à tous, français ou étrangers.''

The fact that this declaration has remained stubbornly promulgated on the website over the past few years does suggest some tensions within the health service about the stance France has taken. The site is otherwise regularly updated for changes in law and practice.

But the content of the June Circular is really no more than an oxymoron, leading to confusion even amongst many CPAMs many of whom have remained unclear of the policy in relation to inactive early retirees.

That is why they requested clearer guidance from the national agency, as part of which they submitted a series of questions, replies to which were included in the guidance that has been sent to them.

More generally, not only are many CPAMs confused, but it is clear from your reports at just how badly informed are some officials. 

Tony Mason, of health insurance brokers Soficas, says he recently attended a meeting in Perigeux, organised by Angela Martyn (President North Eastern Dordogne Women's Association), and attended by around 70 British expats and senior health officials from the local CPAM.

''The officials were completely unaware of the June Circular, and expressed disbelief when on a show of hands around one-third of those present said they had been refused health cover'', he says.

Now, of course, it may well be convenient for officials to deny knowledge of the problem, but there is widespread evidence that many local officials are simply ill-informed.

Medical Tourism

One of the other interesting aspects of the internal guidance is that it is clear the key factor behind the continued embargo is the fear by officials of ‘abuses’ of the health system, in particular, by those who relocate to France merely to obtain medical treatment. Officials seems obsessed by 'medical tourism'.

Accordingly, the guidance states EU regulations prevent the automatic refusal of early retirees, so each case must be examined on its merits, ''to prevent abusive behaviour and the need to consider in general the reasons for the transfer of residence to France.''

If the 5 year residence rule is to be enforced, it remains unclear just what a 'case by case' consideration of all applications is supposed to do, except to try and demonstrate at least perfunctory compliance with EU rules.

Mixed Picture

Not unexpectedly, most of you affected by this rule are reporting difficulties in getting into the health system.

Greater success seems to be being achieved by those of you with a serious pre-existing medical condition that prevents you obtaining private health insurance. In most cases a letter of refusal of insurance from a private health insurer does seem to be able to unlock the door.

Those of you claiming low-income as a reason for not being able to take out a private insurance policy are experiencing mixed success, as CPAMs seem to be making up their own rules about whether a private health insurance policy is 'too onerous'.

There are also other CPAMs who are simply ignoring the guidance from the centre (or seem blithely unaware of it) and continue to grant access to early retirees.

It is clear that a great deal of pressure is now being placed on the French authorities due to the high number of appeals that are being made, and the number of complaints that have been made to the European Commission.

Some of you are experiencing delays in the processing of your applications. This may not be due to intransigence by the authorities, but staffing pressures that are being experienced in many CPAMs.

Do keep us posted at editor@french-property.com.

This article was featured in our Newsletter dated 01/02/2012


 David Yeates, Editor at www.french-property.com/news

Partners

Stratagems for Getting Health Cover

Stratagems for Getting Health Cover

Tuesday 01 May 2012

With the French government still refusing to budge on granting early retirees access to the health system, what options are there available?

It is clear from the stream of e mails we receive each week that there must be thousands of British and other European expats living in France unable to access the health system.
As a result, many of you have been obliged to take out often expensive private health insurance, which frequently fails to offer full cover due to pre-existing medical conditions.
In the worst cases, some of you are obliged to live in France without any health insurance, either because you cannot get private cover, or because it is too expensive.
We continue to remain in regular contact with the European Commission concerning this issue, and we are grateful to those of you who have taken our advice to complain to them about your circumstances.
The latest position we have from the Commission is as follows:
'The Commission has been monitoring how the new Circular is being applied in practice to see whether this is in line with the letter and the spirit of Regulation 883/2004. As a result of this monitoring process, we have serious concerns that the French authorities are continuing to refuse admission to the CMU in breach of EU law. The Commission has raised these concerns with the French authorities and hopes that a resolution of this difficult matter can be found soon.'

The statement does at least give some glimmer of hope, and it may well be that further progress will be made after the forthcoming French presidential elections in May.

In the meantime, what can you do? Here are a few options to consider:
 

      rong>i. Appeal
rong>      rong>ii. Change of Circumstances
rong>      rong>iii. Residence Permit
rong>      rong>iv. Auto-Entrepreneur
rong>      rong>v. Aide Médicale de l’Etatrong>

 

i. Appeal

If you are refused health cover by your local Caisse primaire d'assurance maladie (CPAM) you should make a formal appeal against the decision to the local appeal panel, the Commission de Recours Amiable (CRA).

No legal assistance is necessary, and you can pull together an appeal letter using the information contained in our Newsletters, notably the fact that refusal is contrary to European law.
There is no guarantee that you will be successful, and we know of many cases where the CRA have turned down appeals.
However, this has not universally been the case, and sometimes the threat of an appeal has been enough for the local CPAM to somehow miraculously change their position.
 
If you are turned down by the CRA you have a further right of appeal to a court of law, for which you are likely to need legal assistance.

ii. Change of Circumstances

Under even the restrictive provisions of existing French legislation it is possible to obtain access to the health system on a change of circumstances arising from an 'accident de vie'.

These change of circumstances are:
  • A reduction in income making it impossible to continue with private insurance;

  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;

  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;

  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.
Internal guidance given to the local health authorities in January remains ambiguous on whether health authorities have the discretion to allow early retirees access to the CMU on the expiry of the 'S' form cover where the applicant has been refused private insurance cover due to a pre-existing medical condition.
 
The guidance (Lettre Réseau DDGOS-7/201211/01/2012) states:
 
L’examen par la Cpam d’une demande éventuelle de CMUB repose donc sur l’appréciation du motif pour lequel la personne indique ne pas pouvoir souscrire une assurance privée: si elle est non assurable, la CPAM peut demander à l’intéressé de fournir les lettres opposant un refus d’assurance par différentes compagnies, notamment au motif de maladies préexistantes. La CPAM ayant géré la personne jusqu’alors, elle est d’ailleurs capable d’identifier si l’intéressé relève d’une ALD, sans avoir à en connaitre le motif médical précis.

So you will need to make application and argue your case. We are aware of a large number of cases where this has occurred, although there are probably an equal number who have been refused, despite the fact that they appeared to have a valid case. The difficulty is that it is all down to local case by case determination, and there seems no rhyme or reason to some of the decisions. Neither do we believe that local appeal decisions are collated and used as precedent at a national level.

iii. Residence Permit

The above guidance also makes it clear that those who hold a residence permit are granted the right of access to the CMU.
 
However, it needs to be a particular kind of residence permit, called a CE-séjour permanent-toutes activités professionnelles.
Such permits are ordinarily only available if you are registered self-employed, but we are aware of prefectures who seem willing to issue them to early retirees without the need to prove they run a business.
We did discuss this issue in a recent Newsletter, to which you might be best to refer, at rong>Health Cover and Residence Permits.

rong>
We consider for some of you this is a potentially fruitful approach as we know of a number of cases where it has worked.

iv. Auto-Entrepreneur

If you set up business in France you are no longer an ‘early retiree’, which then enables you to gain automatic right to the French health system.
One of the advantages of setting up as an auto-entrepreneur is that you do not need to demonstrate any turnover for two years before you then cease to be able to retain the status.
We do not advocate abusive uses of this approach (previous abuses of the health system by expats are why we are currently in this position), but if you do have even the germ of a business idea you wish to pursue this is a painless way to obtain health insurance cover, as well as business registration.

v. AME

Finally, if you have no means of health cover, you are on a low income, and you have been resident for at least three months, then you should consider making application for cover under the health regime of last resort, called the Aide Médicale de l’Etat (AME).
To be entitled to access the AME your income must not pass certain thresholds, which differ by family composition, as follows:
  • One Person - €7,771
  • Two People - €11,656
  • Three People - €13,988
  • Four People - €16,319
You should make application to your local CPAM.

Five Year Rule

And remember, even under present rules, once you have been resident in France for 5 years, you have an automatic entitlement to the health system.

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news


Partners

Dordogne Makes Concession on Health Cover

Dordogne Makes Concession on Health Cover

Friday 01 June 2012

The health authority in the Dordogne has agreed to admit early retirees with a long term illness into the health system.

According to Tony Mason of health insurance brokers Soficas those with what is known as an 'Affection de Longue Durée (ALD)'* prior to losing their health cover rights under an S1/E106 will now be able to obtain cover under the Couverture Maladie Universelle (CMU).

‘It still remains a little unclear to me why the CPAM have changed their position’ he says,‘but in large measure I think it is genuinely because, until we made them aware, they simply had no idea of the scale of the difficulties being faced by a large number of early retirees, who simply had no medical cover.’

The enlightenment of officials to the problem began several months ago when Tony attended a meeting of around 70 British expatriates in Perigeux organised by Angela Martyn, the President of the North Eastern Dordogne Women's Association. He arranged for local CPAM officials to be present.

At the time, the health officials denied that there was a problem of access into the health system.

''So as if to prove the point' say Tony, 'I opened the matter up to a show of hands in the room, when around one-third of those present stated that they had been refused health cover by the CPAM.

The look of disbelief on the faces of the officials was only matched by my own astonishment that they should appear to be so blindingly oblivious to what was taking place in their department.

At the end of the meeting officials confided to me that they clearly needed to undertake some internal consultation, and the outcome now appears to be the change in policy administration.''

Tony advises that those in the department of Dordogne with a pre-existing long-term illness should contact him to discuss whether they might be eligible to obtain access to join the CMU.

Those who develop an Affection de Longue Durée (ALD) after they come to France already have a right of access into the health system under ‘accident de vie’ provisions, on a case by case basis.

The position of those early retirees who do not have a long-term illness remains unchanged, although we would suggest you discuss your circumstances with Tony to see what can be done. You can contact him at tony@soficas.fr.

The same applies to those living in other areas of France, where the position of many local CPAMs remains intransigent, although not in all cases.

We are finding that a number of health authorities are conceding when pressured, while others are recommending that early retirees secure a residence permit, on the basis of which the health authority would then be able to grant them access into the system. We covered this point in our last Newsletter.

We await further news from the European Commission who are pressing the French government for a relaxation in the rules and infringement proceedings remain in force. It remains to be seen how matters might develop with a new government in place in the country.

*Affections de Longue Durée (ALD)

The list of those illnesses (in French) classified an ALD provided from the French health service website is show below. It currently excludes high-blood pressure, removed from the list last year, but this may by under review by the new government.

  • Accident vasculaire cérébral invalidant
  • Insuffisances médullaires et autres cytopénies chroniques
  • Artériopathies chroniques avec manifestations ischémiques
  • Bilharziose compliquée
  • Insuffisance cardiaque grave, troubles du rythme graves, cardiopathies valvulaires graves, cardiopathies congénitales graves
  • Maladies chroniques actives du foie et cirrhoses
  • Déficit immunitaire primitif grave nécessitant un traitement prolongé, infection par le virus de l'immuno-déficience humaine (VIH)
  • Diabète de type 1 et diabète de type 2
  • Formes graves des affections neurologiques et musculaires (dont myopathie), épilepsie grave
  • Hémoglobinopathies, hémolyses, chroniques constitutionnelles et acquises sévères
  • Hémophilies et affections constitutionnelles de l'hémostase graves
  • Maladie coronaire
  • Insuffisance respiratoire chronique grave
  • Maladie d'Alzheimer et autres démences
  • Maladie de Parkinson
  • Maladies métaboliques héréditaires nécessitant un traitement prolongé spécialisé
  • Mucoviscidose
  • Néphropathie chronique grave et syndrome néphrotique primitif
  • Paraplégie
  • Vascularites, lupus érythémateux systémique, sclérodermie systémique
  • Polyarthrite rhumatoïde évolutive
  • Affections psychiatriques de longue durée
  • Rectocolite hémorragique et maladie de Crohn évolutives
  • Sclérose en plaques
  • Scoliose idiopathique structurale évolutive (dont l'angle est égal ou supérieur à 25 degrés) jusqu'à maturation rachidienne
  • Spondylarthrite grave
  • Suites de transplantation d'organe
  • Tuberculose active, lèpre
  • Tumeur maligne, affection maligne du tissu lymphatique ou hématopoïétique

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news

 

Partners

LEBONHEUR immobilier - 65

Edward Landau from LeBonheur Immobilier has invited Tony MASON from SOFICAS to be a guest speaker for their conference day near MAUBOUGUET (65). 

The Café Matin group for Thursday 19 July will commence at 10.00am in the village hall in St Lanne, Hautes Pyrenees (border 65/32/64/40). 

rong>Meeting 19 July St Lanne Village Hallrong>

rong> 10:00rong> - Tea/Coffee (provided)

rong> 10:30 - 11:15/11:30rong> First Speaker - Victoria Headdon
(Effects of changes to Inheretance/Property Laws) - to include Q&A

rong>11:15/11:30 - 12:30rong> Edward Landau and Tony Mason of SOFICAS
(French Healthcare/Top Up Insurance etc) - to include Q&A

rong>12:30rong> - Pot Luck Lunch during which time we will attempt to answer as many questions as possible or perhaps make arrangements to meet at a further date. 

If you need any information before this date or are unable to come, please e-mail Tony : tony@soficas.fr

Partners

Currency Watch & Converter

rong>Trust a Specialist to Get it Right on Overseas Transfersrong>

 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

 

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose.

 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free.

 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates.

 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers.

 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

 

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus.

 

Written by Karl Sieha,  Currencies Direct

 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

SOFICAS new address


rong>SOFICAS 6 rue Jean-Croix-Treyeran 33200 – BORDEAUX
rong>Obviously, any post sent to the old address will be redirected for a couple of years.

 

Please go to the rong>CONTACT US rong>page to see where to send your rong>bills, estimates and general enquiriesrong>.

Partners

Next talk: 12th July 10h30

First talk after BREXIT held at Pontivy (56)

Brittany Tuesday Club

Tuesday 12th July 2016 at 10h30, free talk with optional lunch with club members to continue the debate.

For those wanting further information, I will personally be visiting everyone between the 11th and 23rd July.

The Brittany Tuesday Club, so called because it meets every second Tuesday of the month at the robic Hotel, Pontivy offering British expatriates and residents of the region a lively programme of lunches, outings and talks.
I am very honoured to have been invited to talk about how the French health system works and what possible changes could be forthcoming regarding the BREXIT referendum.

If you would like to come along as a guest and why not become a member yourself please contact rong>Tony MASONrong> : rong style="font-size: 14pt;">tony@soficas.frrong> (places are limited so please reserve quickly).
Click on the different links to visit the Brittany Tuesday Club rong style="font-size: 14pt;">WEBSITErong>rong>DIARYrong>rong> rong>to see past and upcoming events and on rong>DIRECTIONSrong>rong> rong>for details on to get to the hotel/restaurant.
If you require any other information please do not hesitate contacting me at the office on rong>05.56.51.91.60rong> or if you would like to arrange a personal visit during my tour please contact rong>Tony MASONrong> : rong style="font-size: 14pt;">tony@soficas.frrong> or rong>06.84.53.94.30rong>.


Partners

Get ready for Brexit

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

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Hospitalization     l     Key Words     l     Usefull Phrases

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Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
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rong>
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rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
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French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


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 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
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rong style="color: #006699;">Click onrong>
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rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

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Real Estate, Real Living, Real France

France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements!

Newsletter - Registration

Newsletters from french-property.com are published every month, with news and advice about buying French property and living in France.

You can view a list of articles published in our Newsletter by clicking rong>Newsletter Articles’rong>.

If you would like to receive this FREE newsletter directly to your mailbox please click on the sign up button below.

rong style="color: rgb(51, 102, 255);">Go to News rong>rong style="color: rgb(51, 102, 255);">| rong>rong>Cancel Registrationrong>

Partners

Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

Partners

Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #5cb3ff; margin-right: 0px; width: auto !important; ">HouseholdChildren Under 25 (or dependents)
No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

.        

Partners

France Sticks to Five Year Rule on Health Cover

France Sticks to Five Year Rule on Health Cover

Wednesday 01 February 2012

Internal documents reveal that France has comprehensively outwitted the EU over health cover reforms.

Despite the belief held by EU Commission that France had eased access into the health system for inactive early retirees, in fact documents obtained by us show that the five year residence rule remains in force.

Guidance sent to local health authorities last month by the health service national agency states that ''the expiration of an E106/S1 is not an automatic ground for granting access to the CMU, this event being foreseeable.''

The internal advice goes on to say that upon the expiry of their cover through an E106/S1 inactive early retirees should take out private health cover.

This directly contradicts the statements from the Commission that the whole purpose of the new Circular issued last June was to ease access arrangements for early retirees. 

Readers will recollect that the Commission brought infringement proceedings against France (which they have not abandoned) precisely because they were denying early retireess access into the health system.

However, the Commission can hardly be blamed for giving France the benefit of the doubt, for the June Circular explicitly withdraws the previous 2007 guidance, which prevented inactive early retirees entering the system, and nowhere is there mention of a five year rule.

Under European law European nationals legally resident in France for at least three months are entitled to be treated in the same manner as French nationals, including unfettered access to the health system, the Couverture Maladie Universelle (CMU).

By all appearances the June Circular seems to reflect this rule, stating as it does that the EU nationals enjoy continuity of rights as between one country and another.

Indeed, this is also reflected on the website of the CMU, which could not be clearer. It states:

''Pour pouvoir bénéficier de la couverture maladie universelle de base, vous devez résider en France de façon stable et régulière.

La résidence stable est réputée acquise après 3 mois de résidence. Cette condition est applicable à tous, français ou étrangers.''

The fact that this declaration has remained stubbornly promulgated on the website over the past few years does suggest some tensions within the health service about the stance France has taken. The site is otherwise regularly updated for changes in law and practice.

But the content of the June Circular is really no more than an oxymoron, leading to confusion even amongst many CPAMs many of whom have remained unclear of the policy in relation to inactive early retirees.

That is why they requested clearer guidance from the national agency, as part of which they submitted a series of questions, replies to which were included in the guidance that has been sent to them.

More generally, not only are many CPAMs confused, but it is clear from your reports at just how badly informed are some officials. 

Tony Mason, of health insurance brokers Soficas, says he recently attended a meeting in Perigeux, organised by Angela Martyn (President North Eastern Dordogne Women's Association), and attended by around 70 British expats and senior health officials from the local CPAM.

''The officials were completely unaware of the June Circular, and expressed disbelief when on a show of hands around one-third of those present said they had been refused health cover'', he says.

Now, of course, it may well be convenient for officials to deny knowledge of the problem, but there is widespread evidence that many local officials are simply ill-informed.

Medical Tourism

One of the other interesting aspects of the internal guidance is that it is clear the key factor behind the continued embargo is the fear by officials of ‘abuses’ of the health system, in particular, by those who relocate to France merely to obtain medical treatment. Officials seems obsessed by 'medical tourism'.

Accordingly, the guidance states EU regulations prevent the automatic refusal of early retirees, so each case must be examined on its merits, ''to prevent abusive behaviour and the need to consider in general the reasons for the transfer of residence to France.''

If the 5 year residence rule is to be enforced, it remains unclear just what a 'case by case' consideration of all applications is supposed to do, except to try and demonstrate at least perfunctory compliance with EU rules.

Mixed Picture

Not unexpectedly, most of you affected by this rule are reporting difficulties in getting into the health system.

Greater success seems to be being achieved by those of you with a serious pre-existing medical condition that prevents you obtaining private health insurance. In most cases a letter of refusal of insurance from a private health insurer does seem to be able to unlock the door.

Those of you claiming low-income as a reason for not being able to take out a private insurance policy are experiencing mixed success, as CPAMs seem to be making up their own rules about whether a private health insurance policy is 'too onerous'.

There are also other CPAMs who are simply ignoring the guidance from the centre (or seem blithely unaware of it) and continue to grant access to early retirees.

It is clear that a great deal of pressure is now being placed on the French authorities due to the high number of appeals that are being made, and the number of complaints that have been made to the European Commission.

Some of you are experiencing delays in the processing of your applications. This may not be due to intransigence by the authorities, but staffing pressures that are being experienced in many CPAMs.

Do keep us posted at editor@french-property.com.

This article was featured in our Newsletter dated 01/02/2012


 David Yeates, Editor at www.french-property.com/news

Partners

Stratagems for Getting Health Cover

Stratagems for Getting Health Cover

Tuesday 01 May 2012

With the French government still refusing to budge on granting early retirees access to the health system, what options are there available?

It is clear from the stream of e mails we receive each week that there must be thousands of British and other European expats living in France unable to access the health system.
As a result, many of you have been obliged to take out often expensive private health insurance, which frequently fails to offer full cover due to pre-existing medical conditions.
In the worst cases, some of you are obliged to live in France without any health insurance, either because you cannot get private cover, or because it is too expensive.
We continue to remain in regular contact with the European Commission concerning this issue, and we are grateful to those of you who have taken our advice to complain to them about your circumstances.
The latest position we have from the Commission is as follows:
'The Commission has been monitoring how the new Circular is being applied in practice to see whether this is in line with the letter and the spirit of Regulation 883/2004. As a result of this monitoring process, we have serious concerns that the French authorities are continuing to refuse admission to the CMU in breach of EU law. The Commission has raised these concerns with the French authorities and hopes that a resolution of this difficult matter can be found soon.'

The statement does at least give some glimmer of hope, and it may well be that further progress will be made after the forthcoming French presidential elections in May.

In the meantime, what can you do? Here are a few options to consider:
 

      rong>i. Appeal
rong>      rong>ii. Change of Circumstances
rong>      rong>iii. Residence Permit
rong>      rong>iv. Auto-Entrepreneur
rong>      rong>v. Aide Médicale de l’Etatrong>

 

i. Appeal

If you are refused health cover by your local Caisse primaire d'assurance maladie (CPAM) you should make a formal appeal against the decision to the local appeal panel, the Commission de Recours Amiable (CRA).

No legal assistance is necessary, and you can pull together an appeal letter using the information contained in our Newsletters, notably the fact that refusal is contrary to European law.
There is no guarantee that you will be successful, and we know of many cases where the CRA have turned down appeals.
However, this has not universally been the case, and sometimes the threat of an appeal has been enough for the local CPAM to somehow miraculously change their position.
 
If you are turned down by the CRA you have a further right of appeal to a court of law, for which you are likely to need legal assistance.

ii. Change of Circumstances

Under even the restrictive provisions of existing French legislation it is possible to obtain access to the health system on a change of circumstances arising from an 'accident de vie'.

These change of circumstances are:
  • A reduction in income making it impossible to continue with private insurance;

  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;

  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;

  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.
Internal guidance given to the local health authorities in January remains ambiguous on whether health authorities have the discretion to allow early retirees access to the CMU on the expiry of the 'S' form cover where the applicant has been refused private insurance cover due to a pre-existing medical condition.
 
The guidance (Lettre Réseau DDGOS-7/201211/01/2012) states:
 
L’examen par la Cpam d’une demande éventuelle de CMUB repose donc sur l’appréciation du motif pour lequel la personne indique ne pas pouvoir souscrire une assurance privée: si elle est non assurable, la CPAM peut demander à l’intéressé de fournir les lettres opposant un refus d’assurance par différentes compagnies, notamment au motif de maladies préexistantes. La CPAM ayant géré la personne jusqu’alors, elle est d’ailleurs capable d’identifier si l’intéressé relève d’une ALD, sans avoir à en connaitre le motif médical précis.

So you will need to make application and argue your case. We are aware of a large number of cases where this has occurred, although there are probably an equal number who have been refused, despite the fact that they appeared to have a valid case. The difficulty is that it is all down to local case by case determination, and there seems no rhyme or reason to some of the decisions. Neither do we believe that local appeal decisions are collated and used as precedent at a national level.

iii. Residence Permit

The above guidance also makes it clear that those who hold a residence permit are granted the right of access to the CMU.
 
However, it needs to be a particular kind of residence permit, called a CE-séjour permanent-toutes activités professionnelles.
Such permits are ordinarily only available if you are registered self-employed, but we are aware of prefectures who seem willing to issue them to early retirees without the need to prove they run a business.
We did discuss this issue in a recent Newsletter, to which you might be best to refer, at rong>Health Cover and Residence Permits.

rong>
We consider for some of you this is a potentially fruitful approach as we know of a number of cases where it has worked.

iv. Auto-Entrepreneur

If you set up business in France you are no longer an ‘early retiree’, which then enables you to gain automatic right to the French health system.
One of the advantages of setting up as an auto-entrepreneur is that you do not need to demonstrate any turnover for two years before you then cease to be able to retain the status.
We do not advocate abusive uses of this approach (previous abuses of the health system by expats are why we are currently in this position), but if you do have even the germ of a business idea you wish to pursue this is a painless way to obtain health insurance cover, as well as business registration.

v. AME

Finally, if you have no means of health cover, you are on a low income, and you have been resident for at least three months, then you should consider making application for cover under the health regime of last resort, called the Aide Médicale de l’Etat (AME).
To be entitled to access the AME your income must not pass certain thresholds, which differ by family composition, as follows:
  • One Person - €7,771
  • Two People - €11,656
  • Three People - €13,988
  • Four People - €16,319
You should make application to your local CPAM.

Five Year Rule

And remember, even under present rules, once you have been resident in France for 5 years, you have an automatic entitlement to the health system.

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news


Partners

Dordogne Makes Concession on Health Cover

Dordogne Makes Concession on Health Cover

Friday 01 June 2012

The health authority in the Dordogne has agreed to admit early retirees with a long term illness into the health system.

According to Tony Mason of health insurance brokers Soficas those with what is known as an 'Affection de Longue Durée (ALD)'* prior to losing their health cover rights under an S1/E106 will now be able to obtain cover under the Couverture Maladie Universelle (CMU).

‘It still remains a little unclear to me why the CPAM have changed their position’ he says,‘but in large measure I think it is genuinely because, until we made them aware, they simply had no idea of the scale of the difficulties being faced by a large number of early retirees, who simply had no medical cover.’

The enlightenment of officials to the problem began several months ago when Tony attended a meeting of around 70 British expatriates in Perigeux organised by Angela Martyn, the President of the North Eastern Dordogne Women's Association. He arranged for local CPAM officials to be present.

At the time, the health officials denied that there was a problem of access into the health system.

''So as if to prove the point' say Tony, 'I opened the matter up to a show of hands in the room, when around one-third of those present stated that they had been refused health cover by the CPAM.

The look of disbelief on the faces of the officials was only matched by my own astonishment that they should appear to be so blindingly oblivious to what was taking place in their department.

At the end of the meeting officials confided to me that they clearly needed to undertake some internal consultation, and the outcome now appears to be the change in policy administration.''

Tony advises that those in the department of Dordogne with a pre-existing long-term illness should contact him to discuss whether they might be eligible to obtain access to join the CMU.

Those who develop an Affection de Longue Durée (ALD) after they come to France already have a right of access into the health system under ‘accident de vie’ provisions, on a case by case basis.

The position of those early retirees who do not have a long-term illness remains unchanged, although we would suggest you discuss your circumstances with Tony to see what can be done. You can contact him at tony@soficas.fr.

The same applies to those living in other areas of France, where the position of many local CPAMs remains intransigent, although not in all cases.

We are finding that a number of health authorities are conceding when pressured, while others are recommending that early retirees secure a residence permit, on the basis of which the health authority would then be able to grant them access into the system. We covered this point in our last Newsletter.

We await further news from the European Commission who are pressing the French government for a relaxation in the rules and infringement proceedings remain in force. It remains to be seen how matters might develop with a new government in place in the country.

*Affections de Longue Durée (ALD)

The list of those illnesses (in French) classified an ALD provided from the French health service website is show below. It currently excludes high-blood pressure, removed from the list last year, but this may by under review by the new government.

  • Accident vasculaire cérébral invalidant
  • Insuffisances médullaires et autres cytopénies chroniques
  • Artériopathies chroniques avec manifestations ischémiques
  • Bilharziose compliquée
  • Insuffisance cardiaque grave, troubles du rythme graves, cardiopathies valvulaires graves, cardiopathies congénitales graves
  • Maladies chroniques actives du foie et cirrhoses
  • Déficit immunitaire primitif grave nécessitant un traitement prolongé, infection par le virus de l'immuno-déficience humaine (VIH)
  • Diabète de type 1 et diabète de type 2
  • Formes graves des affections neurologiques et musculaires (dont myopathie), épilepsie grave
  • Hémoglobinopathies, hémolyses, chroniques constitutionnelles et acquises sévères
  • Hémophilies et affections constitutionnelles de l'hémostase graves
  • Maladie coronaire
  • Insuffisance respiratoire chronique grave
  • Maladie d'Alzheimer et autres démences
  • Maladie de Parkinson
  • Maladies métaboliques héréditaires nécessitant un traitement prolongé spécialisé
  • Mucoviscidose
  • Néphropathie chronique grave et syndrome néphrotique primitif
  • Paraplégie
  • Vascularites, lupus érythémateux systémique, sclérodermie systémique
  • Polyarthrite rhumatoïde évolutive
  • Affections psychiatriques de longue durée
  • Rectocolite hémorragique et maladie de Crohn évolutives
  • Sclérose en plaques
  • Scoliose idiopathique structurale évolutive (dont l'angle est égal ou supérieur à 25 degrés) jusqu'à maturation rachidienne
  • Spondylarthrite grave
  • Suites de transplantation d'organe
  • Tuberculose active, lèpre
  • Tumeur maligne, affection maligne du tissu lymphatique ou hématopoïétique

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news

 

Partners

LEBONHEUR immobilier - 65

Edward Landau from LeBonheur Immobilier has invited Tony MASON from SOFICAS to be a guest speaker for their conference day near MAUBOUGUET (65). 

The Café Matin group for Thursday 19 July will commence at 10.00am in the village hall in St Lanne, Hautes Pyrenees (border 65/32/64/40). 

rong>Meeting 19 July St Lanne Village Hallrong>

rong> 10:00rong> - Tea/Coffee (provided)

rong> 10:30 - 11:15/11:30rong> First Speaker - Victoria Headdon
(Effects of changes to Inheretance/Property Laws) - to include Q&A

rong>11:15/11:30 - 12:30rong> Edward Landau and Tony Mason of SOFICAS
(French Healthcare/Top Up Insurance etc) - to include Q&A

rong>12:30rong> - Pot Luck Lunch during which time we will attempt to answer as many questions as possible or perhaps make arrangements to meet at a further date. 

If you need any information before this date or are unable to come, please e-mail Tony : tony@soficas.fr

Partners

Currency Watch & Converter

rong>Trust a Specialist to Get it Right on Overseas Transfersrong>

 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

 

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose.

 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free.

 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates.

 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers.

 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

 

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus.

 

Written by Karl Sieha,  Currencies Direct

 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

SOFICAS new address


rong>SOFICAS 6 rue Jean-Croix-Treyeran 33200 – BORDEAUX
rong>Obviously, any post sent to the old address will be redirected for a couple of years.

 

Please go to the rong>CONTACT US rong>page to see where to send your rong>bills, estimates and general enquiriesrong>.

Partners

Next talk: 12th July 10h30

First talk after BREXIT held at Pontivy (56)

Brittany Tuesday Club

Tuesday 12th July 2016 at 10h30, free talk with optional lunch with club members to continue the debate.

For those wanting further information, I will personally be visiting everyone between the 11th and 23rd July.

The Brittany Tuesday Club, so called because it meets every second Tuesday of the month at the robic Hotel, Pontivy offering British expatriates and residents of the region a lively programme of lunches, outings and talks.
I am very honoured to have been invited to talk about how the French health system works and what possible changes could be forthcoming regarding the BREXIT referendum.

If you would like to come along as a guest and why not become a member yourself please contact rong>Tony MASONrong> : rong style="font-size: 14pt;">tony@soficas.frrong> (places are limited so please reserve quickly).
Click on the different links to visit the Brittany Tuesday Club rong style="font-size: 14pt;">WEBSITErong>rong>DIARYrong>rong> rong>to see past and upcoming events and on rong>DIRECTIONSrong>rong> rong>for details on to get to the hotel/restaurant.
If you require any other information please do not hesitate contacting me at the office on rong>05.56.51.91.60rong> or if you would like to arrange a personal visit during my tour please contact rong>Tony MASONrong> : rong style="font-size: 14pt;">tony@soficas.frrong> or rong>06.84.53.94.30rong>.


Partners

Get ready for Brexit

Partners

HOUSE & CAR INSURANCE

SOFICAS has partnered with a top car and house insurance broker: EUroPEA CONSEIL.

Like SOFICAS, they are dedicated to the Anglophone population living in France or on the point of doing so. Sharing the same head office in Bordeaux and the same high standards of service that SOFICAS clients have been accustomed. EUroPEA CONSEIL will be delighted to serve you too.

EUroPEA CONSEIL, like SOFICAS is an independent broker and as a SOFICAS client, you have a privileged access to the best offers from AXA, ALLIANZ, GENERALI amongst others.

rong>Click on the logo belowrong>, fill in your details and EUroPEA CONSEIL will get in touch with you to talk about your house and/or car insurance needs very soon.

 

 

EUroPEA CONSEIL - 6 rue Jean Croix Treyeran - 33200 BORDEAUX - 05 57 09 20 08
RCS BX 493 323 679 - SARL au capital de 8000 €. Code APE 6622 Z
Carte professionnelle immobilière N° CPI 3301 2018 0000 38024 délivrée par la CCI de Bordeaux
CIF n° ECCIF144010. Membre de l'ANACOFI-CIF, association agrée par l'AMF

 

                     

 Antoine BERTIN   -     Hubert de THOISY     -   Isabelle MAIRE

 

Partners

Health cover in France - A few definitions

rong>A FEW DEFINITIONSrong>

rong>
rong>

Understanding The French System     l     Examples of Reimbursements

rong>
rong>

Hospitalization     l     Key Words     l     Usefull Phrases

rong>
rong>

 

 

rong>


Understanding The French System:

rong>

rong>rong> 

Unlike the English system, the French regime makes no difference between the public and private treatments
(the reimbursement rates are identical).
On the other-hand, the 'Sécurité Sociale' alone does not cover the entirety of your expenses.

rong style="text-align: center;">

rong style="text-align: center;">rong style="text-align: center;">First column represents the total cost of your medical treatment. rong>rong>

rong style="text-align: center;">rong style="text-align: center;">

rong style="text-align: center;">Second column shows the possible reimbursements: rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange = reimbursable with minimum cover rong>

rong style="text-align: center;">

rong style="text-align: center;">Orange to Red = Only reimbursable with higher cover or not at all. rong>

rong style="text-align: center;">

rong style="text-align: center;">Third column indicates where the reimbursements could come from. rong>

rong style="text-align: center;">

rong style="text-align: center;">Click on each column to see their individual definitions:rong>

rong style="text-align: center;">rong>

 

rong>
rong>
rong>
rong>rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
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rong>
rong>
rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">rong style="text-align: center;">

 

rong>
rong>
rong>
rong>
rong>
rong>
rong>

French Regime definitions

1
rong>

rong>

rong>
Examples of reimbursement:
rong> 

rong> rong>

rong>rong>

rong> SOFICAS clients benifit fully from the French system as we use French companies that know thier subject.rong>

rong>rong>

"Télétransmition"
Automatic reimbursements using only your "Carte Vitale".

rong>rong>

"Tiers Payant"
No money to be advanced at the chemist / lab / x-ray and more.

rong>rong>

"Prise en charge"
Possible on demand even for Optical and Dentistry.

rong>rong>

Hospitals stay expenses can be paid directly by your "Top-Up".
"Frais de séjours and chambre particulière"
 

rong>
rong>rong>rong>

rong>
Hospitalization / Hospitalisation:
rong>

rong>rong> 

rong>rong>

rong>The question of payment will come after your wellbeing 
If you are in an emergency situation, you will be taken care of regardless of your nationality, professional or financial situation. 
However, after this point or if you have a planned hospital stay you could be asked for a “PEC”.
This "PEC" enables the hospital or Clinique to claim amounts due for your treatments directly from your "Régime Obligatoire" and eventually your "TOP-UP".
rong>

rong>rong>

rong>If you are in France on holiday you may present your “EHIC”.
 You will be asked for your blood group card - "carte de groupe sanguin'".
 They will ask about allergies - "avez-vous des allergies?" or "êtes-vous allergique?".
 You will be asked for your med
rong>rong style="color: #000000;">icarong>rong style="color: #000000;">l hirong>rong style="color: #000000;">story rong>rong style="color: #000000;">- "rong>rong style="color: red;">antécédents médicaux ou chirurgicrong>rong style="color: red;">auxrong>rong>".
rong>rong> You will be asked about any medication you are taking – "rong>rong style="color: #ff0000;">Quel est votre traitement actuel / courant/ en cours?rong>rong>"
rong>rong> They will ask about your diet – "rong>rong style="color: #ff0000;">Avez-vous un régime spécial?rong>rong>"  Without salt – "rong>rong style="color: #ff0000;">Sans selrong>rong>"   Without sugar – "rong>rong style="color: #ff0000;">Sans sucrerong>rong>"   Gluten free – "rong>rong style="color: #ff0000;">Sans glutenrong>rong>"rong>

 

 


  

rong>rong> 

rong>Key Words:rong>

 

rong>rong>

rong>rong> 

rong>Useful Phrases:rong>

 

rong>ENGLISHrong> rong>FRENCHrong>
Aching Douloureux
Ambulance Ambulance
Anaesthetic Anesthésique
Anaesthetic Anesthésie
Ankle La cheville
Appendix L'appendice
Arm Le bras
Assistant nurse Aide soignante
Back Le dos
Back of the neck La nuque
Bedpan Un bassin
Bell / buzzer Sonnette
Bladder La vessie
Blood Le sang
Blood test Prise de sang
Blood test (results) Résultat sanguin, Bilan sanguin
Blood test to be taken fasting Prise de sang à jeun
Body Le corps
Bone L'os
Bottle Une bouteille
Bowels Les intestins
Brain Le cerveau
Breast Le sein
Bruise Un bleu /une contusion / un hématome
Burn une brûlure
Burning sensation Sensation de chaleur / douleur cuisante
Buttocks / bottom Les fesses
Calf Le mollet
Capsule Gélule
Car accident Accident de la route
Casualty / A&E Urgences
Change your dressing Faire votre pansement
Cheeks Les joues
Chest La poitrine
Chin Le menton
Collarbone La clavicule
Contraceptive pill La pilule
Cough / a cough Tousser / une toux
Covered in bruised Etre couvert de bleus
Crushed Ecrasé / bro
Crutches Les béquilles
Cut coupe
Dizziness le vertige
Doctor Médecin
Drawsheet L’alèse
Dressing gown robe de chambre
Drink (A) Une boisson
Drink (To) Boire
Ear L'oreille
Eat Manger
ECG Electrocardiogramme (électro)
Elbow Le coude
Exhausted épuisé
Eye (eyes) L’œil (Les yeux)
Face Le visage
Face flannel Un gant de toilette
Feel sick J'ai des nausées / J'ai mal au cœur
Feel unwell / faint J'ai un malaise / j'ai la tête qui tourne
Finger Le doigt
Fingernail L'ongle
Foot Le pied
Forehead Le front
Gall bladder La vésicule biliaire
Get undressed Déshabillez-vous
Grazed écorché
Gum Gencive
Hand La main
Have a wash Faire sa toilette
Head La tête
Heart Le cœur
Heel Le talon
High temperature la fièvre
Hip La hanche
Hospital gown (open at the back) Casaque / blouse opératoire
Infection Infection
Injection Piqûre
Intensive care Soins intensive
Jaw La mâchoire
Kidney Le rein
Knee Le genou
Liver Le foie
Lower back Les lombaires / les reins
Lungs Les poumons
Make the bed Faire le lit
Meal Un repas
Medicine (treatment) Médicament / traitement
Mouth La bouche
Muscle Le muscle
Nausea la nausée
Neck Le cou
Nightdress Chemise de nuit
Nose Le nez
Nurse Infirmière
Operating theatre Bloc opératoire
Operation Intervention chirurgicale
Operation Intervention
Out of breath essoufflé
Pain killer Calmant
Paramedics SAMU
Permission to operate Autorisation d’opérer
Physio after an accident Re-éducation
Physiotherapist Kinésithérapeute
Physiotherapy Kinésithérapie
Pill Cachet / Comprime
Pyjamas Pyjama
Rib La côte
Scratch une égratignure
Sensitive Sensible
Set up a drip Faire une perfusion
Shoulder L’épaule
Sleeping pill Somnifère
Slippers Pantoufles
Soap Le savon
Sore endolori
Spleen La rate
Sticking plaster Sparadrap / pansement adhésif
Stitches Points de suture
Stomach (external) Le ventre
Stomach (internal) L'estomac
Stretcher Brancard
Surgeon Chirurgien
Surgical dressing Pansement
Swelling une bosse
Swollen enfle
Take your blood pressure Contrôler votre tension
Teeth Les dents
Tender sensible
Tendon Le tendon
Thigh La cuisse
Throat La gorge
Thumb Le pouce
Tired fatigue
Toenail L'ongle du pied
Toes Les orteils
Tongue Le langue
Towel Une serviette
Ulcer ulcère
Water L'eau
Wheelchair Fauteuil roulant
Wounded blessé
Wrist Le poignet
X-ray Radio
rong>ENGLISHrong> rong>FRENCHrong>
Call an ambulance Appeler une ambulance
Call the emergency services Appeler le urgences
Call the police Appeler la police
Do not get up Ne pas se lever
Do you know an English speeking doctor? Connaissez-vous un médecin qui parle anglais?
Do you want an injection? Voulez-vous une piqûre?
I am allergic to… Je suis allergique a / a la / aux…
I am constipated Je suis constipé(e)
I am diabetic J'ai le diabète
I am going to faint Je vais m’evanouir
I am in pain J'ai mal
I am taking medication Je prends des médicament
I don't feel very well Je ne me sens pas tres bien
I feel better Je me sens mieux
I feel sick J'ai envie de vomir / J'ai mal au cœur
I feel bad Je me sens mal
I feel weak Je me sent faible
I feel worse Je me sens moins bien
I fell over Je suis tomber
I have a broken bone J’ai une fracture
I have a broken tooth J'ai une dent cassée
I have a chest cold J’ai une bronchite
I have a cold Je suis enrhumé
I have a cold J’ai une rhume
I have a got fever J’ai de la fievre
I have a headache J'ai mal à la tête
I have a sore throat / tonsilitis J'ai mal a la gorge / j'ai une angine
I have a wound J’ai une blessure
I have an abscess J'ai un abcès
I have an abscess J’ai un abcès
I have back ache J'ai mal au dos
I have been sick J'ai vomi
I have burnt myself Je me suis brûlé
I have chest pains J’ai des douleur à la poitrine
I have cut myself Je me suis coupé
I have flu J'ai la grippe
I have gor a head ache J’ai mal à la tête
I have got a headache J’ai mal à la tête
I have got a sore throat J’ai mal à la gorge
I have got a stomach ache J’ai mal à l’estomac
I have got cramps J’ai des cramps
I have got diarrhea J’ai la diarrhea
I have had a heart attack J’ai eu une crise cardiaque
I have lost a filling J'ai perdu un plombage
I have pain J'ai de la douleur
I have pains in the chest J'ai mal à la poitrine
I have shivers J’ai des frissons
I have stomach ache J'ai mal au ventre
I have the flu J’ai la grippe
I have to see a doctor J'ai dois de voir un médecin
I have toothache J'ai mal aux dents
I have wind J'ai des gaz
I need a bedpan J’ai besoin d'un bassin
I think it's broken Je pense que c'est cassé
I want a pee Je veux faire pipi
I'm bleeding Je saigne
I'm dizzy J’ai la vertige
I'm hungry J'ai faim
I'm sick Je suis malade
I'm sweating Je transpire
I'm thirsty J'ai soif
Is it serious? C’est grave?
It hurts everywhere J’ai mal partôut
It hurts here J’ai mal ici
It is painful since… C'est douloureux depuis…
Its swelling Ca enfle
I've been sick J'ai vomi
I've got the shivers J'ai des frissons
Permanent filling Obturation définitive
Stay lying down Restez allongé
Temporary filling Obturation provisoire
That hurts ça me fait Mal
That hurts! Ca me fait mal !
That is very painful C'est très douloureux
That itches Ca me démange
That itches Ca me gratte
That tickles Ca me chatouille
That's too loose Ce n'est pas assez serré
That's too tight C'est trop serré
There has been an accident Il y a eu un accident
To have a bowel movement (phoo) Aller à la selle (faire caca)
To ring (for a nurse) Sonner l'infermiere
To urinate Uriner (faire pipi)
Where is the Chemist? Ou se trouve la pharmacie?
Where is the Doctors? Ou se trouve un medecin?
Where is the Hospital? Ou se trouve l'hôpital?

Partners

Health cover in France - How does it work ?
-

rong>HOW DOES IT WORKrong>



 Know your "Carte Vitale"     l     How to use your "Carte Vitale" & "Top-Up"     l     How to use "Feuille de Soins" or "Factures"


how to use feuille de soins

 


rong style="font-size: 14pt;">  rong>

rong style="font-size: 14pt;"> rong>

rong style="font-size: 14pt;">rong>

 Know your number off by heart !

 

In the event that you are taken ill without you personal
belongings, just by telling you "numéro de Sécurité Sociale"
the medical services will have enough information to get started.

 

The first number designates your sex, 1 for men and 2 for women.
For temporary numbers starting with 5, 6, 7 or 8 this logic does not apply.
The next four numbers indicate your year and month of birth.
Your "insee" number will probably be followed by 99 for foreigners.
This number is replaced by the department code if you were born in France.
e.g.: 24 if you were born in the Dordogne.
Finally, a series of 8 numbers show what “CPAM” office treats your dossiers.

 

 

 


 



"How to use your "Carte Vitale" & "Top-Up"

 

When you have medical treatment in France, you are usually asked for your “CARTE VITALE” (from CPAM or RSI) and the slip of paper called “Tiers payant complémentaire or Mutuelle" (from your Top-Up).  Usually no money is asked for.  The bill will be sent to “CPAM” (Caisse Primaire d’Assurance Maladie or other if selfemployed) and your TOP-UP.

When only your Carte Vitale is asked for this is usually because there is the possibility of using the “Télétransmission” (automatic payment and reimbursement system). You will have to pay either the total amount (eg: GP, Dentist) or just the “Ticket Modérateur” difference between the CPAM allowance and the “Tarif de convention” (100% base rate (what the state says your treatment is worth).

CPAM will proceed with their partial reimbursement and send the information(normally) to your Top-Up by Télétransmission.

Your Top-Up will in turn reimburse the difference depending on your chosen level of cover.

In some cases you will have to pay for excess charges that the “Médecin Spécialiste” has over the state convention rate. These are called in French “Dépassements d’honoraires”.

These charges can be claimed from your Top-up by sending the an acquitted  bill.  (! If your level of guarantee covers  such charges).

If the CPAM does not reimburse medical treatment then the Top-up will not either, unless otherwise stated by annual flat rate.
(eg: Private room, glasses, spa, flu injection, etc.)

 

 


 

 

How to use "Feuille de Soins" or "Factures"

 

When your “Carte Vitale” is not used, papers called “FEUILLES DE SOINS” are given to you.

The information on these papers is identical to the information given by your “Carte Vitale”.

These forms have to be filled in and sent to the CPAM office dealing with your reimbursements.

! Please make sure you fill in your Social Security number (also called numéro d’immatriculation) and sign the paperwork at the bottom.

If for whatever reason the Top-up takes time reimbursing their part on  reception of the CPAM statement itemising your last reimbursements, send these to your Top-up.
(This replaces the Télétransmission should CPAM not have sent the information in the first place).

As soon as your Top-up has the correct information they too can reimburse their part.

N.B: If you send your paperwork directly to your insurance company, then the reimbursements will be a lot quicker than if you send them to your brokers, “SOFICA’s”. Please, do not forget to indicate your contract number.

 

 

 



 

Partners

Downloads


rong style="color: #006699;">Companyrong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong> 
rong>

rong style="color: #006699;">Document name
or description
rong>

rong style="color: #006699;">Click onrong>
rong>
rong style="color: #006699;">icon to downloadrong>
rong>

rong style="color: #006699; font-size: 22px;">Document name
or description
rong>

rong style="color: #006699;">SOFICASrong>

rong>
rong>SOFICASrong>Seminar guide to
French healthcare.
rong>
 
rong style="color: #006699; font-size: 22px;">SOFICASrong>Mandate document 


 

rong>SOFICASrong>SEPA mandate for 5€/m SOFICAS service charge

rong>AFPSrong>
rong>GIEPS
rong>

rong>GIEPS AFPS BHW4rong>British Health Ways
rong>4th edition since 2022rong>
General Conditions


rong>GIEPS AFPSrong>SENIOR RISK
Guarantee against accidents (Example)


rong>GIEPS AFPS BHW3rong>British Health Ways
rong>3rd edition since 2020rong>
General Conditions



rong>
rong>

rong>GIEPS AFPS BHW2rong>British Health Ways
rong>2nd edition since 2015rong>
General Conditions

rong>GIEPS/AFPSrong>New rong style="color: red;">GIEPS rong>direct debit authorisation

 
rong>rong>

rong>rong>
rong>GIEPS AFPS BHW1rong>British Health Ways
rong>1st edition since 2010
rong>General Conditions



rong style="color: #185f9c; font-size: 24px;">SERENOVArong>
 

rong>rong>
rong>SERENOVArong>Funeral expense policy
General Conditions
French document only
 

   
rong style="color: #185f9c; font-size: 22.1px;">SERENOVArong>Funeral expense policy (Example)
     
 

rong>APRILrong>


APRIL MHI PHIMy Health International
Private Health Insurance
rong>Brochurerong>

rong>APRILrong>New rong style="color: red;">APRILrong> direct debit authorisation


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>Benifits in detailrong>

   


rong>APRIL MHI PHIrong>My Health International
Private Health Insurance
rong>General Conditionsrong>



 

 

Partners

IMMOBILIER

 

French-Property.com is a leading web portal for property in France.
We specialise in advertising real estate Properties for Sale and properties for rentacross France.
Our properties are advertised by both estate agents and private vendors located throughout France.
Search over 10,000 French properties of all styles and prices.
They include traditional and modern French homes, country and town properties, farms, lakes, chateaux, ski properties, coastal properties, building plots and investment property.
We also provide free Property Information about France Real Estate, Real Living, Real France
We also offer a number of other France related services, including a highly popular Newsletter, keeping you up-to-date with life and events in France, a series of comprehensive Guides to buying property & living in France, French property discussion Forums and a French Services directory. You can also sign up to the Property Spy, service to receive e-mail updates of the latest properties for sale in France, individually tailored to your personal French property search requirements! 



 

 

LEBONHEUR IMMOBILIER
96 Place de la Libération
65700 - MAUBOURGUET

 

Tel: 05.62.96.94.27
Fax: 05.62.96.01.67

AGENCE LE BONHEUR is an estate agency registered in France under the "Carte Professionnelle No 0138". We have been selling French property since 1995 to a local and international client base. Our team is passionate about the area and knowledgeable about most aspects of property in France.
We are fortunate to be based on the borders of the Béarn, Gers, Landes and Hautes Pyrenees allowing us to comfortably cover this magnificent region of South West France.
Buying a French property does not need to a complicated procedure and our team is here to listen attentively to your project. All members of our "équipe" are multi-lingual and most have also lived in a foreign country.
This is key to our success because this experience helps in our goal to skilfully interpret and understand the needs of an international client base.
We start by helping you identify suitable properties to visit and will accompany you through the negotiation and legal procedures, assist with mortgage applications and the transfer of utilities. Follow the links above for a wealth of information about the area and the buying process. Search for your French home using the formula on our website.
We look forward to seeing you comfortably settled into your new French home.

 



 

We advertise high quality long term let properties throughout France. Our rental properties cover all the popular rental locations in France such as the Languedoc, Provence, Midi-Pyrenees, Dordogne, the Loire Valley and Cote d'Azur. We offer a streamlined reservation process and we visit all of the properties that we advertise, for your peace of mind. If you are looking for a long term rental in France between 3 to 12 months, we are happy to help you find the perfect place.

Iain Laverock
26 Rue du Foyer
34120 - Nezignan L'Eveque
+33 4 67 76 29 55
+33 6 95 00 28 44



 

 

Partners

Top-Up health insurance


ASAF/AFPS/GIEPS
950 route des Colles
Les Templiers
06410 - BIOT
 

ASAF (Association Santé et Action Familiale)
AFPS (Action Familiale de Prévoyence Sociale)

Established in 1974 with the objective of making accessible, Top-Up health covers to everyone, whatever their age, their personal situation or their particular health needs.

ASAF’s human resources and technical dispositions are supported by GIEPS (Groupement d'Intérêt Économique de Prévoyance Sociale) this gives us the possibility to maintain a sensibly sized structure with around 180 employees offering to adherents the best possible services.
At the end of 2010, ASAF & AFPS had 251 000 members.
 The reputation of secure insurer since the beginning, the group contract with AXA guaranteed financial solidarity to the durability to ASAF.

 rong style="text-align: center; ">Top-Up, Régime Complémentaire or Mutuelle.rong>  

Most medical treatments are only partially covered by the régime obligatoire and some not at all.  It is French way of life to take out an additional insurance that works hand-in-glove with the French regime obligatoires to reduce or eliminate such shortfalls. 

Different levels of cover, adapted to different needs and especially for different budgets.  It is important to understand that French Top-Ups are designed to cover expensive unplanned medical bills incurred during treatment and not just to get a new set of dentures.  Unlike any other insurance, it is not because one person makes a claim that their premiums will increase.  Effectively in comparison, you could say that people in good health pay for people in need of treatment.  The Top-Up system is based on “rong>solidarityrong>” like the CPAM.  To stop your premiums shooting through the roof should you fall seriously ill, the costs will spread out annually to all clients, thus making Top-Up insurance accessible to everyone.  Those that are unable to afford Top-Up are granted help from the government called ACS to contribute towards a Top-Up proving how important it is to take out such insurance. 

Top-Ups starts at 100% of the base de convention and can go up to 600% or more depending on your needs and especially what area you live in. 

SOFICAS recommends middle of the range cover, around 200% for hospitalization permitting you to use Doctors charging twice the "Tarif de Convention“ but lower for other medical treatment as some base rates are very low.

Partners

FINANCIAL ADVICE

Expat Financial Advisors

Contact Brian Furzer

 Tel: 05.46.48.97.73

Mob: 06 25 36 30 65 

brian.furzer@spectrum-ifa.com

 


rong style="font-family: Verdana, Arial, Helvetica, sans-serif; ">Backgroundrong>

Along with the resources of The Spectrum IFA Group, one of Europe’s leading independent intermediaries, Brian Furzer brings more than 30 years experience to the financial services industry. He specialises in

 addressing the unique financial planning needs of expatriates and those with cross-border interests and has a detailed knowledge of international product providers and tax-efficient structures that can assist in asset building, asset protection and, ultimately, estate planning.

As an independent adviser, Brian provides clients with the advantage of unbiased financial planning advice. He has access to many of the world’s most respected international banking, investment management and insurance institutions, which brings his clients the competitive advantages and convenience of being able to access multiple managers and product providers through one source.

rong>Feesrong>
Brian does not charge consulting fees for providing you with advice or on-going service. The Spectrum IFA Group receives industry-standard fees directly from the financial institutions with which they place their clients’ investments - not directly from clients.

rong>Clientsrong>
Clients have varied needs, but typically either have disposable income they wish to invest regularly towards their medium to long-term goals, or have accrued capital they would like to invest for growth or to provide an income. Clients are introduced to Brian either by personal introduction (referral by existing clients), or by means of professional introduction (by financial institutions, employer Human Resources departments or by professional service providers such as accountants, lawyers, trust managers or relocation specialists).

Brian works with clients of all ages, wealth and financial experience. It is a well-established principle that people who plan for their goals are far more likely to reach them than those who don’t!

rong>Other Informationrong>

He is a French resident and lives in the unspoilt countryside of the Charente Maritime bordering on Aquitaine between Bordeaux and La rochelle.Keen on outdoor pursuits and nature generally, Brian is an accomplished flyfisher for trout and salmon and has qualified for the English Flyfishing Team and has published four books internationally on flyfishing. The Charente Maritime is the perfect environment for pursuing his interest of observing nature, particularly the varied birdlife of the area.

Brian is a member of the Franco British Chamber of Commerce & Industry. 

Brian provides an initial confidential consultation to:

• Assist you in evaluating existing pensions, protection (insurance) and savings / investment provision in a comprehensible manner.

• Identify and prioritise your financial objectives (short, medium and long-term).

• Identify how to reach those objectives, on the basis of resources you can comfortably engage. Importantly, he will focus on present and future tax-efficiency, product portability, your attitude to risk and events that may threaten the financial wellbeing of you and your dependents.

Next he will prepare a report recommending solutions matching your requirements and include any relevant product literature and illustrations to enable you to make an informed decision. Crucially, Spectrum are not agents for any particular company- representing clients from an unbiased position of independence. We feel that this strongly sets us apart from dealing directly with large institutions, where you may experience less-personal service, a high turnover of staff familiar with your circumstances and where there may be a bias to recommend their own products and services.

Spectrum’s recommendations are made without obligation or charge. You are free to accept our advice wholly, partly or not at all. We are pleased also to negotiate and arrange access to holdings specifically of your choice.

 

 


 

Why use Currencies Direct? - the benefits.

Challenging traditional banking conventions, Currencies Direct guarantees to beat any retail bank both in price and service. From the moment we were established our aim has been simple. To provide a personalised service and save our clients money from dealing with traditional banks.

  • rong>Increasing your spending powerrong>. Because we deal directly with the currency markets we can offer the best foreign money exchange rates that the banks find hard to beat. These great foreign currency exchange rates mean that you get more for your money.
  • rong>Saving you moneyrong>. We want to make sure that you get the best forex deals you can so that's why we offer all our clients free transfers (over £5,000) and charge no commission. Plus, Currencies Direct does not charge lifting/receiving fees on forex transfers.
  • rong>Tailored to your circumstancesrong>. As specialist foreign exchange brokers we are able to offer a number of product choices for foreign exchange including spot deals, forward contracts and limit orders. Which one is right for you will depend on your circumstances, foreign currency needs and timing.
  • rong>Easy to deal withrong>. You can trade in forex with us by phone, talking directly to a currency specialist, electronically or by fax. The first step is to become a registered private or business customer. Our registration process is second to none. You can register with us online and be ready to trade in minutes.
  • rong>Make regular payments overseasrong>. Mortgage, maintenance, insurance - whatever your reason for making regular money transfers Currencies Direct's Overseas Regular Money Transfer Plan can save you money. With free forex transfers, great foreign exchange rates and low minimum amounts we really make is easy to keep benefiting from our great service. Click here for more information.
  • For businesses, we are committed to rong>delivering excellencerong> in customer service and solutions to help your business grow and compete more effectively within the global market place.

Currencies Direct Limited is a leading payment technology solutions company and it was one of Europe's rong>first independent foreign exchange specialistsrong> in 1996 to recognise the need in the market for an expert secondary Foreign Exchange provider to traditional banks. Its rong>innovative approachrong> is based on dealing directly with the currency markets and matching buyers with sellers thus eliminating intermediaries and giving it a competitive edge in pricing foreign exchange. Twelve years on Currencies Direct is now one of rong>Europe's largest foreign exchange specialistrong> with a head office and operations across 5 continents, with 2,000 strong franchise network of business partners and is part of the Azibo Group.

 rong style="text-align: justify; ">Trust a Specialist to Get it Right on Overseas Transfersrong> 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose. 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free. 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates. 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers. 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus. 

Written by Karl Sieha,  Currencies Direct 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

ADMINISTRATIVE MATTERS




CLICK TO VISIT

rong>Furley Page Solicitors
rong>39 St Margaret's Street
Canterbury
Kent
CT12TX

rong>Sarah Bogard: 0044 (0) 1227 763 939rong>

rong>Florence Richards: 0044 (0) 1227 763 939 rong>

rong>Anna Berry :0044 (0) 1227 763 939rong>

 

 

 The Basics of Buying French Property

  • The process of buying French property is quite different to buying a property in the UK.
  • Having a survey done is not obligatory, but recommended because the French property is “vendue en l’état” (sold as seen) which means that you take the property with any hidden defects which you could have discovered by searches or inspections.
  • The price, sale of any chattels (furniture etc) and conditions of the contract are agreed with the seller.
  • The seller produces a set of reports for you known as the “Dossier Diagnostique Technique”.
The obligatory reports, depending on age and location of property, include those on the presence of asbestos, termites, lead in the paintwork, and risks in the local area (such as flooding or landslides). For co-ownership properties (“copropriété”) will also be included a report confirming the size of the property to be sold if it is more than 8 square metres. Note that reports have only a certain length of validity (e.g. termites report is only valid for 6 months) so check the dates of the reports carefully.  You can also make your own enquiries at the “Mairie” (town hall) to find out if an area is susceptible to termites or environmental risks etc.
  • The process quickly moves to the signing of the first contract (“compromis de vente”) at which point a deposit (usually 5-10% of purchase price) is paid. This is a binding contract.
The “compromis de vente” is either drawn up by the estate agent in charge of the sale, or the notaire is instructed to draft it. This document contains a lot of information about the property and the surrounding area. It includes conditions precedent (“conditions suspensives”), which must be fulfilled in order for completion to take place. There are standard conditions that are included (such as the condition that the title deeds do not show any charges registered on the property other than those that will be paid from the sale proceeds) but sometimes it is advisable to include others. For example, if you want to develop the land you could request a condition that planning permission (or preliminary permission) is granted before you can complete to ensure you can do what you intend with the property.
  • If you are a “non-professional” purchasing a residential property or land for residential construction, you benefit from a 7 day cooling off period after having signed the “compromis de vente”. If you decide that you no longer wish to purchase the property, you can serve notice on the seller. There is a very short time limit and if you have any concerns about the property you should ideally resolve them before signing the contract.
  • You should investigate mortgage options at an early stage. If you decide to apply for a mortgage, it will be a condition of the sale that you obtain a mortgage offer, but you must comply with strict time frames for your application in order to benefit from this condition.
  • It usually takes about 2 to 3 months between signature of the “compromis de vente” and the completion deed (“acte de vente”). During this time, the notaire carries out his searches and you get your mortgage arranged. The notaire will then confirm the date of completion.
Please note that the notaire represents both the seller and the buyer and he acts impartially. You are free to appoint your own notaire, at no additional cost as the notaires have to share the fees between them. The notaire’s fees are calculated on a set scale (not freely negotiated with you) based on the value of the property. The notaire’s fees are usually paid by the buyer. The notaire will hold the purchase funds in an account pending completion. You must ensure that the funds are paid to a designated account, and it is preferable to pay to the notaire rather than the estate agent. It is recommended that you get legal advice on how best to structure your legal ownership of the property, taking into account various inheritance rules on death and inheritance tax.
  • You can give power to attorney to someone to sign on your behalf, but it is recommended that you make a last inspection of the property before completion of the transaction takes place. It is also possible that there may be last minute amendments to the ”acte de vente”.
  • On completion day, the final balance of the purchase price is paid, you are given the keys to the property and an “attestation de vente”. Registration of ownership can take up to 6 months to complete.
  • You must organise insurance from the date of completion, and sort out reading meters and getting service contracts with utility providers.
For further information please contact Sarah Bogard.

 


 


CLICK TO VISIT
        

rong>Your French Mattersrong>

17 rte. du Grallet
17920 - BREUILLET

rong>Laura MORLEYrong>

rong>Telephone: 06 79 14 21 03rong>

rong> yourfrenchmatters@gmail.comrong>

Help and Advice for all your Professional and Personal Administrative Matters

I have lived with my family in France for eight years.  We began our adventure in the Charente area of France but relocated to the Charente Maritime and the coast in 2006.  In the UK, I was a primary school teacher and upon moving to France studied and gained a diploma with honours to Teach English as a Foreign Language (TEFL).
As well as giving English lessons to French individuals, I had my own retail enterprise and have spent 4 years in a chartered Accountancy firm as head of the foreign section, completing over 200 income tax declarations annually and dealing with all administrative issues encountered by the UK expatriate in France.

rong>Local Taxes:rong>  I have studied local tax impositions and verification of the French Tax Foncière and Tax d’Habitation in order to check that the tax impositions  are based on realistic information and requesting recalculation when appropriate.

rong>Business Setup:rong>  I give help and advice on grants and financial help available for business set up and personal situations with the CAF (social security and family allowance organisation in France).
I help people to understand, register and run their business under the micro regime and auto entrepreneur regime and help deal with the social organisations such as RSI and URSSAF.

rong>Sworn Translations:rong>  I am a sworn translator via the TRIBUNAL DE GRANDE INSTANCE de SAINTES and have recently been awarded accreditation to complete and certify Capital gains declarations.

rong>Tax Reimbursementrong>:  I also deal with obtaining reimbursement of tax paid twice for clients that relocate to France from the UK or other European countries and dealing with pension forecasts and other administrative issues involving the relocation from one country to another.

rong>Works Undertaken:  rong>Annual French Income Tax returns (residents and non residents),  Completion of UK administrative forms (P85, R105, France Individual etc),  Help understanding Social charges and Social Contributions,  Business registration and advice under the Micro regime or the Auto entrepreneur scheme,  Issues surrounding local taxes such as Taxe Foncière & Taxe d'Habitation,  Help with planning permissions,  Certified and Sworn Translations (registration via the Tribunal in Saintes) 



CLICK TO VISIT

La Basse Rivière,
22630 - EVRAN,
BRITTANY

rong>Rachel Gallardrong>

rong>Telephone: (0033) 2 96 27 43 16
Mobile: (0033) 6 26 10 99 08
rong>

rong>info@anglofrenchcommunication.comrong>

 

No matter how many books one reads or how much advice one seeks from others who have made the move to France sadly there are always pitfalls.

My customers save a great deal of time and stress by using my service, that's what they tell me, and I can see the relief on their faces. I am Rachel Gallard, a rong>French Nationalrong> and I am tri-lingual; I also speak German fluently. Having lived and worked in the Channel Islands for many years I can understand the frustrations felt by my UK clients trying to deal with another culture, in particular - the French way.

The French approach to business and service can be hard to comprehend even for the French, so I have developed an accurate and up-to-date knowledge of the system, I spend my time ensuring the answers are in place before the questions arise.

Anglo‑French Communication is registered with the French authorities and as such is legally required to meet their standards in providing a legitimate and accurate service to customers.

Through Anglo‑French Communication my clients have easy access to other professionals who I trust and work with, here in Brittany. Even if your problem is utterly unique, you have our combined experience to draw on for a fast and effective solution to any headache.

The stories are true, every branch of the French civil service adores red tape and paperwork, let us handle the administration while you enjoy your new life in France!

We provide high quality services to individuals and all types of businesses paying close attention to the needs of each client. 







Partners

Obligatory Health Insurance

 

National Health Service

Everyone will need to contact the NHS at one point.
It is the DWP that will issue your documents showing your reciprocal rights to French social security cover.
Even those with no rights will need to contact the DWP to obtain a document proving your ineligibility.
rong>0044 (0) 191 218 (1999) or (7777)rong>

 

Link to the "Accessing healthcare in France" NHS Official page.

 

The EHIC is entirely free of charge.  However, other, unofficial, websites may charge you if you apply through them. If you're having difficulties with the online application form, to update your personal details, or to replace a lost or stolen card, call the automated EHIC application service on 0845 606 2030.

Caisse Primaire d'Assurance Maladie

rong>French equivalent to the NHS.
French Social Security for salaried workers.
If you are employed in France, your employer must contribute to your health cover.
People still in possession of international rights must register with their local CPAM office.
Contact the English help line on 0811 36 36 46
rong>
 
 

Find your local CPAM office and contact details.
Simply put your post code, validate and chose the closest office to your location.

 On the AMELI site, you can see your personal account and reimbursements from the CPAM(French only).On your first visit you will need to enter your French social security number, name, date of birth and post code.You will receive from CPAM an access code permitting you to access via this link.
Information regarding the "Sécurité Sociale" with links at the bottom to the different French regimes depending on your personal status..
 The official site in English for the CLEISS"Centre of European and International Liaisons for Social Security".

Regime Social des Independants.

rong>French Social Security for self-employed workers.rong>
rong>
NB. RSI is the administrative umbrella and will not reimburse medical treatment.
Reimbursements come from a third-party called "Régime Obligatoire" (R.O.) that you must choose upon registration of your activity.
When choosing your ro. bare in mind that some of the smaller or local ones do not have the "TELETRANSMITION" facility with the Top-Ups.
This will not alter your rights but you will have to send off paperwork to get reimbursed. 
rong>

Couverture Maladie Universelle.

rong>
French Social Security for people without valid “S1” forms who are no longer active and/or often have limited or no resources.
The CMU will grant access to the CPAM provided that you have lived in France for more than five years or possibly less in case of unplanned eventualities.  English helpline – 0811 363 646
rong>


Partners

Contact US
 

rong>Contact Usrong>

 

rong>rong>
rong>
rong>

  

rong>Click on what you would like to do....rong>

 

.... find SOFICAS Offices & Agents

 

...  send something by post directly to my insurance company.

 

... send an e-m@il to SOFICAS.

 

rong>rong>
rong>
rong>

rong style="font-size: 12pt;">rong> 

rong>rong>

 


 

 rong style="font-size: 12pt;">SOFICAS has offices & agents covering the most popular areas of Francerong>

 

rong>SOFICAS HEAD OFFICE
rong>6 rue Jean-Croix-Treyeran
33200 – BORDEAUX

Tél en Français:  05.56.51.16.22
Tel in English:  05.56.51.91.60

info@soficas.fr

rong>
SOFICAS AGENTS
rong>

With the increasing demand for the SOFICAS personal touch, we have agents that can visit most of France.

rong>Please click hererong>rong>rong>rong> or contact the Head Office directly to find out who will be looking after you:rong>

  

 


  

rong style="font-size: 12pt;">Sending medical bills for reimbursement or estimates for evaluation.rong> 

 

Always include your rong style="font-family: Verdana; font-size: 14pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and will greatly delay their reimbursement.

Find you companies logo and send your documents to the address below the logo: 

    

 ASAF/AFPS/GIEPS

   
    

 


  

rong style="text-align: -webkit-center; font-size: 12pt; ">
rong style="font-size: 12pt; ">Sending medical bills for reimbursement or estimates for evaluation by email.rong>

 

rong>

Always include your rong style="font-family: Verdana; font-size: 12pt; color: #185f9c;">contract number, name and phone numberrong>.

For bills to be reimbursed, they must be paid by you first or sent directly from the professional to AFPS by asking for a rong style="font-size: 14pt;">Prise En Charge (PEC)rong>.

Each bill must be rong style="font-size: 14pt;">stamped or signed PAIDrong> by the professional.

rong style="text-align: -webkit-center; font-size: 12pt; ">

For speedier treatment, do not include too much English text if not necessary when sending rong>bills rong>orrong> estimates rong>as individual questions must be treated by SOFICAS and not transferred immediately to AFPS.

It is safer to send your personal information and medical documents (max 8mo each) via the website form below.

If you prefer to send a regular email please send to info@soficas.fr 

rong>

rong style="color: #ff00ff; ">Please fill in and send this form using the send button at the bottom.rong>


Partners

A PLACE IN THE SUN LIVE

 


 rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">If you're thinking of buying a property in France, you can't afford to miss
The French Village at 
rong>rong style="margin: 0px; padding: 0px; color: #808080; font-family: Verdana, Arial, sans-serif; background-color: #ffffff; ">A Place in the Sun Live on rong> 

rong style="margin: 0px; padding: 0px; background-color: #ffffff; color: #ff0000; font-family: Arial; font-size: 18pt; ">28th-30th September 2012, NEC Birminghamrong> 


 The experts on France, rong style="margin: 0px; padding: 0px; ">French-Property.comrong>, work in association with A Place in the Sun to host the boutique French Village at our forthcoming exhibition. 

rong style="margin: 0px; padding: 0px; color: #000000; ">The French Villagerong> atrong style="margin: 0px; padding: 0px; "> A Place in the Sun Liverong>, combines a mix of agents and developers with thousands of French properties for sale from across the country, alongside a detailed seminar programme featuring advice from French property experts and Q&A sessions. Together, the experts in the village will ensure that the committed Francophile is up to speed on all aspects of buying property and living in France. 

Editor of French-Property.com, David Yeates, will be chairing a series of presentations from industry experts on how to buy property and live in France. It's vital to understand everything from tax and healthcare issues through to the legal pitfalls to avoid before you embark on your property purchase. That's why we've got the specialists on-hand to give you insider knowledge such as Duncan Campbell from Siddalls Financial Services and David Johnson from Halo Financial.

And if you just want to get a feel for what it's like to actually  live in France, then don't miss Joanna Leggett from Leggett Immobilier's session each day where she'll be telling you what its really like to learn the language, get around and mix with the locals in this wonderful country. 

And of course there are hundreds of beautiful French properties to whet your appetite. 

Make sure you come prepared to ask plenty of questions - we challenge you to ask our experts something they don't know! 


 A Place in the Sun Live is the perfect place to seek information and meat professionals when you're thinking of buying a property overseas.

There's also a packed schedule of free-to-attend seminar sessions, where experts from across the industry will be talking about the things that are important to you when buying a home abroad. There are sessions on everything from transferring your currency when buying a property in France, to what healthcare and pension entitlements you can expect in Cyprus and almost everything in between.A Place in the Sun Live is a great informal atmosphere where you can meet agents and take the time to ask all the questions you want answered so you can compare and contrast the different properties and deals on offer.

The Main Stage sponsored by MBi Consulting is at the heart of the action where our TV presenters Amanda Lamb, Jasmine Harman and Jonnie Irwin will be sharing their experiences of house-huning overseas - all the sessions are free, just get there early if you want a seat!
The Buying Advice Seminar Theatre sponsored by HomeAway.co.uk will offer seminar sessions on buying in Spain, Cyprus and Turkey, as well as sessions on financing your property and emigration.

There are also series of country-themed villages and pavilion areas within the show with dedicated seminar theatres, where you can get specific advice on the most popular destinations to buy a property abroad.

The French Village in association with the experts on France, French-Property.com and sponsored by Halo Financial has its own dedicated seminar theatre and is surrounded by agents selling property from all four corners of France. Plus there are experts on tax, healthcare and all the other important topics you need to understand before buying a property in France. 

 

rong>The French Village at London's Earls Courtrong>

French-Property.com will be hosting their popular ‘French Village’ at A Place in the Sun Live exhibition at London's Earls Court, 30th March - 1st April.

A Place in the Sun Live is the largest overseas property exhibition in the UK and our French Village is a major display area at the event.

As well as offering a selection of properties from agents and private vendors across France, there will be an opportunity to hear from a range of specialist speakers on buying property and living in France.

Amongst the exhibitors will be Halo Financial, Siddalls Financial Advisors Ltd, Leggett Immobilier, Furley Page Solicitors, Soficas Medical Insurers, Richard Immobilier, International Private Finance, Le Bonheur Immobilier, Charente Immobilier, and Move Vitesse Removals

There is a packed seminar programme for the three days of the show, with rolling presentations from expert speakers, together with ‘Ask the Experts’ panel sessions.

The seminars will cover some of the key issues of concern to French property buyers:

  • Legal process of Buying Property
  • French Taxation and Inheritance
  • Health Cover
  • Currency Management
  • Living in France
  • Getting a Mortgage

The seminars will be overseen by David Yeates, News Editor of French-Property.com.

They will be free to attend on a first come, first served basis.

French-Property.com will be offering a free ‘Guide to Buying Property in France’, and visitors will also be able to meet the team to discuss their French property needs and aspirations.

French-Property.com is one of the leading Anglophone sites for property listings in France, with around 13,000 properties and over 100 agents on our site.

In recent years we have also developed an authoritative source of information and advice on buying property and living in France, through our Guides to France and Newsletter. 


 rong style="font-size: 14pt; text-align: center; ">French Village Shines at A Place in the Sun Live NEC 2011rong>

A strong turnout last weekend at the French Village, A Place in the Sun Live, does suggest that the tide may well be turning on interest in buying property in France.

Pat Monk, Managing Director of French-Property.com stated, 'This was the fourth occasion when we have hosted the French Village at the APITS property exhibition. Given the current climate, it was also one we approached with a fair degree of apprehension.

So it was with great delight and surprise to find that when the doors to the exhibition opened on Friday morning we were quickly overrun with dozens of visitors looking for a property to buy, and for further information on living in France.'

Over the whole of the three day event, we estimate between 1500 and 2000 people called in on the French Village.

Not only were there particulars available on hundreds of properties for sale, but also estate agents and experts on hand to discuss all aspects of buying property and living in France.

A large number of the seminars we ran over the three days were completely full, with standing room only in many cases.

Perhaps of as much interest as the turnout was the quality of those who came along to the show, with the vast majority of visitors clearly very interested in relocating to France, determined to learn as much about how best to do it and what to expect.

John Richardson of French mortgage brokers International Private Finance Ltd, one of the exhibitors in the French Village, stated that, ‘Despite the negative headlines currently dominating the press it was refreshing to see first-hand the enthusiasm that remains amongst potential buyers of second homes in France.’

‘The show also provided a great opportunity to speak to potential buyers face-to-face and understand what information they are looking for, where they are looking to buy, and concerns they may have regarding the process and the availability of French mortgages,’ he stated.

A similar view was expressed by 
rong>Tony Mason of medical insurance brokers rong>rong>Soficasrong>.
’We were amazed to at the size of the turnout for our seminar presentations and the clear level of interest that those who attended expressed in finding out more about their health insurance options when they relocate to France’, he stated.

For Sarah Bogard of solicitors Furley Page 'The exhibition is a major event in the calendar and the Birmingham show was once again a great success. Our legal team met many people to talk about their ambitions to move over to France to live, as well as a good number in search of a holiday home. We find the French Village a fantastic one stop shop for all the key information required for anyone considering such a life changing move.'

Sally Stone of property management company Les Bons Voisins stated, 'Our company prides itself on doing what it says on the tin, so I can only say how pleased we are to be part of the French Village at A Place in the Sun exhibitions. Under the overall umbrella of French-Property.com the breadth of information and assistance available to visitors is second to none.'

David Johnson, Director of Halo Financial Ltd, currency brokers and sponsors of the French Village also considered that there was a definite increase in interest in buying property in France.'We took more enquiries on the first day of the exhibition than we did over the three days of the London exhibition in March. There is no doubting it; despite the uncertainty that is around, France is getting back on track.’

Partners

NEDWA - 24 - Boulazac (Perigueux)

Angela MARTYN (President of NEDWA - North Eastern Dordogne Women's Association) has invited Tony MASON from SOFICAS to be a guest speaker for their health conference in Boulazac (Perigueux) on rong>Tuesday 15th November at 6pmrong>.

The conference will be followed by a rong>'buffet dinatoire'rong> during which time Tony will attempt to answer as many questions as possible, or perhaps make arrangements to meet at a further date.

If you need any information before this date please e-mail Tony from SOFICAS : tony@soficas.fr or Angela from NEDWA : nedwa24@gmail.com

Click on the NEDWA logo to find out more about the North Eastern Dordogne Women's Association.

Click here to visit the NEDWA facebook page.

Partners

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Expaps In French Health Cover Lottery

Expats in French Health Cover Lottery

Tuesday 15 June 2010

Our recent exclusive on the EU investigation of French health rules provoked an interesting reaction from both readers and health insurance professionals.

One of the widely made comments concerned the difficulties faced by those with a pre-existing medical condition, both amongst those hoping to relocate to France and already resident.

Chris from Worcester wrote to us advising that he is planning to relocate to France, but due a recent stomach operation was concerned that he might not be able to find private health insurance.

‘When we do relocate we will have a modest income, so we cannot afford to pay large sums each year for health insurance,’ he stated.

Some of you had also applied for to get private health insurance, and had been turned down.

Adrian Metcalfe stated that he suffers from high blood pressure, for which he is undertaking medical treatment to keep it under control, but that was enough for the private insurer to whom he made application to turn down his request for health cover.

‘The result is that we fear we may actually have to return to the UK, as there is no way we can stay in France without having some form of health cover.’
However, it does seem all is not lost for those with a pre-existing medical condition.

rong>Tony Mason of Soficas insurance brokers in Bordeauxrong> states that for those with a medical condition there is a route of entry into the French system.

'If someone makes an application to us for insurance, and we refuse due to a pre-existing medical condition, we will provide the applicant with a letter that they can use to make application for entry into the CMU', he stated.

'Under the rules of entry, those who are resident in France through an E form, can make application to join the CMU when their cover expires, provided they have been refused private health insurance.

''Indeed, we have numerous applicants who have taken precisely this route and they have been successful.

''The only downside is that it is unlikely in the future you would be able to obtain a mortgage or secured credit in France, as your application for life insurance would probably be refused', he stated.

Strictly speaking, admission to the Couverture Maladie Universelle (CMU) because of the refusal of private health insurance only applies to those who developed a medical condition after they relocated to France, although it is clear the local health authorities are not necessarily applying this interpretation of the rules.

Given the unclear position, Peter Owen of Expathealthdirect.co.uk says people need to act with caution: 'If you are affiliated via E106 and during this period you have an illness and subsequent claims relating to this condition were excluded by a private insurer, then on expiry of the E106 it is possible, even probable, affiliation via the CMU would be granted, as a CPAM would judge this an accident de vie.'

'But', he continued, 'it is less certain if affiliation via CMU would be extended on expiry of E106 if you arrive in France with a pre-existing condition. A CPAM office could well argue this is no accident de vie at all, and may (harshly) judge this as somebody engaged in medical tourism, which the new rules intended to extinguish.'

In his view: 'Individual CPAM offices have always varied in their interpretation of regulations; it is a fact of life. As a result I would never advise a client that once an E106 has expired, affiliation via CMU would be automatically extended because of a pre-existing condition being excluded by a private insurer.'

Lack of Consistency in Rules

The differences in intrepretation of the rules was also commented on by a number of readers.

Thus, several months ago we heard from Jane Stewart in the Dordogne who told us that she was unable to obtain private health insurance as a result of an illness developed in France, but she received a blank refusal from her local CPAM for health cover.

At the time, we advised her to appeal against that decision, as is her right.

Following our article, she wrote to us last week to say: 'My application did not even go to the appeal panel, as the local CPAM director simply decided to sign off the application for me to be admitted to the Couverture Maladie Universelle (CMU)!'

A similar picture emerged from a conversation with ron Wright of Exclusive Healthcare who pointed out to us that, in his experience several expats he had come across had actually been admitted to the CMU, even though they did not qualify under the rules of the French government circular of 23 November, 2007.

‘I know of three cases in three different health authority areas where the local CPAM have decided to admit them into the CMU, purely on the basis that they had been resident in France for more than 3 months in a stable and regular manner and had no other health cover', he stated.

‘There seems not rhythm or reason why this should have happened, and it all seems a bit of a post-code lottery. CPAMs seem to be making up their own rules, with some taking a hard line and others willing to admit you.'

David Yeates, Editor at www.french-property.com/news

Partners

Health Cover - Plus Ça Change...?

Health Cover - Plus Ça Change...?

Thursday 01 September 2011

The recent Circular on health cover for early retirees may well be obtuse, but despite the cryptic language the rules really have changed.

Prior to the summer break we broke the news that the EU Commission had forced France to change the rules on granting early retirees access into the health system.

The new regulations are contained in a Circular issued in early July by the French health and social security authorities.

The Circulaire Nº DSS/DACI/2011/225 is a classic piece of French obscurification, leading a number of you who have read it to write to us seeking clarification on your own position.

The lack of clarity has not been helped by reports elsewhere, stating that, despite the initial euphoria, there has been ‘no change’ in the rules.

In order to try and shed more light we wrote to the EU, who provided us with the following statement:

'The Commission welcomes the central role that the new Circular (No. DSS/DACI\2011/225) of 9 June 2011 provides to Regulation (EC) No 883/2004 concerning coordination of social security rights in the EU in the assessment of a citizen's right of access to the French CMU (health insurance cover).

The new Circular requires the authorities to assess whether a person is habitually resident in France. This is consistent with the EU rules: when an EU national is habitually resident in France, he or she is entitled to equal treatment with French nationals as regards access to the CMU.

The Commission has still to take a decision on whether it will drop the infringement procedure.

The Commission will monitor carefully how this new Circular is applied in practice by the French authorities.'

Perhaps the most important sign in the statement that confirms things have changed are the words 'the Commission welcomes....the new Circular', but as if to underscore the ambiguous nature of the Circular (and the notoriously unreliable nature of France in the implementation of European legislation!), the Commission have yet to drop the infringement procedure, and will be monitoring implementation of the Circular.

Nevertheless, the level of mistrust that is apparent should not disguise the fact that France has been obliged to now grant access to the health system for those who are legally (habitually) resident in the country.

'Habitually Resident'

As the EU statement confirms, the formal legal position is actually a very clear one.

If an early retiree from within the EU is 'habitually resident' in France then they are entitled to be treated in the same way as a French national. This implies an equal right to access the health system.

In order to be considered ‘habitually resident’ you must be resident in France for at least three months, with health insurance cover and the minimum level of income.

Health insurance cover provided via an E106/S1 would meet the first criteria. At the expiry of the E106/S1 (up to 2 years) you would have obtained the status of being ‘habitually resident’, and so would be entitled to access the health system, subject to the test of minimum income.

Indeed, you need continuing health cover in order to remain legally resident.

All of this is actually stated in the new Circular, despite the convoluted manner in which it is expressed, particularly the so-called 'case by case' examination of all applications.

Thus, the guarantee of continuing health cover for those who are 'habitually resident' in France is confirmed in the Circular, where it states: 'l’application des règles européennes de coordination permettant d’assurer à une partie des personnes ayant établi leur résidence en France de bénéficier d’une continuité de leurs droits en matière de maladie-maternité, acquis dans un autre Etat membre, par le bénéfice des prestations de l’assurance maladie française.'

It goes on to say: 'Si l’intéressé «n'a droit à aucun autre titre aux prestations en nature d'un régime d'assurance maladie et maternité», français ou européen, l’article L.380-1 et l’article L.861-1 du code de la sécurité sociale ouvrent l’accès à la couverture maladie universelle (CMU) et complémentaire (CMU-C) aux personnes qui justifient d’une «résidence stable et régulière en France».'

Local Interpretation

Now we have no doubt that despite what the Circular may say, some early retirees who meet the criteria will continue to be refused entry into the system by their local health authority, the Caisse Primaire de l'Assurance Maladie (CPAM).

The capricious nature of local public officialdom is an indelible feature of life in France.

Ever since the original Circular of November 2007, which ostensibly excluded early retirees from the health system, there has been wide variation in the way the Circular has been interpreted by local health authorities.

Despite the many reports of health authorities taking an inflexible and narrow approach, there have also been a large number of CPAMs who have simply ignored the Circular and carried on in the same old way, granting entry to early retirees at the expiry of their E106/S1.

So we fully expect that the same lack of consistency in policy implementation will continue and some of you will be denied access into the system, despite the fact that you may be eligible.

The current uneven application of policy is inevitable, particularly when the guidance from the centre is not spelt out clearly.

Appeal Procedure

If you are unreasonably refused access into the system, what should you do?

Do not accept the decision as irrevocable is what you must do.

You need to challenge it, for there is a reasonable chance you will be successful, and only by determined action against local intransigence will this issue ever be put to rest.

Your local CPAM are required by law to justify their decision to you, which they must do so in writing. You should not be put off by a verbal refusal from a local official. Insist on a letter of explanation.

If they are not prepared to give you a letter explaining their reasons, then you should make a written complaint to the Conciliateur of the CPAM. The CPAM will have their contact details, which is normally the local CPAM office. Send the letter by recorded delivery.

If you do have a letter of refusal, you have an automatic right of appeal to a local board, called the Commission de Recours Amiable (CRA).

The appeal procedure is very simple. A recorded delivery letter must be sent to the CRA within two months of the (written) decision you contest. You are not required to attend a hearing. The absence of a response from the CRA with one month implies a rejection of your appeal.

If the CRA do reject your appeal, then within two months you can take the matter to the social security and health tribunal - the Tribunal des affaires de sécurité sociale(TASS).

If you are refused health cover, you should also make a complaint to the EU Commission, which you can do at EU Citizens Complaints. We urge you to make use of this complaints procedure.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue, as it is of fundamental importance to many who seek to relocate to France and, indeed, to many who are currently resident. E Mail: editor@french-property.com

Partners

Health Cover and Residence Permits

Health Cover and Residence Permits

Wednesday 05 October   2011

In order to try and get into the French health system, it seems some of you are applying for a residence permit, but it is a game of chance.

Over the past few weeks we have received dozens of e mails from readers relating your experiences of trying to get into the French health system.

Some of you have relayed very distressing chronicles to us, including some living in France without any health cover at all, while there are others who are paying a very substantial proportion of their income in private health insurance contributions.

We are grateful to you for telling us of your experiences, for they are invaluable to us in trying to get a full understanding of just what is happening.

As we anticipated in our last Newsletter, a very variable picture has emerged across the country in the application of the new Circular N°DSS/DACI/2011/225 concerning the admission of inactive early retirees into the system.

While some local health authorities are now admitting early retirees, some continue to rigidly apply the five year residence rule.

The European Commission has been alerted to the continuing problems being faced by many of you, and they have expressed to us their concern that some local health authorities have continued to fail to implement European legislation.

A spokesman told us that, ‘The Commission is monitoring carefully how this new Circular is applied in practice by the French authorities and is in contact with the French authorities on this issue. We are, of course, surprised by reports that the French health authorities have said the new Circular doesn't change anything, which, if confirmed, would be a source of concern.’

It is important that the EU is provided with the evidence that some health authorities in France continue to ignore EU regulations. So if you are being refused access into the health system, then we urge you to make a formal complaint to the European Commission, which you can do so at EU Citizen Complaints.

Appeal Procedures

One thing that is becoming clear is that intransigent local health authorities (CPAMs) are sometimes yielding when pushed hard by those who are aware of their rights and the procedures.

Accordingly, it is important you do not give up on your application if you are rebuffed by a local official.

You need to make use of the appeal procedure we outlined in our last Newsletter, and if necessary take the matter to the local tribunal.

We recommend you quote European Regulation (EC) No 883/2004 of 29 April 2004, which grants a right of equal treatment to EU residents who are legally resident in another Member State. Elements of the new Circular quoted in our last Newsletter would also be useful to include in your appeal letter.

Residence Permits

A small number of you have also written to us about the provisions in the Circular which grant access into the health system for those who hold a residence permit, a carte de séjour.

Your mails on this point seem to be prompted by advice you have received from the English speaking CPAM help-line that this is the approach to take.

Although EU residents no longer need a residence permit to live in France, there is a provision in Circular N°DSS/DACI/2011/225 that grants those who hold a particular type of residence permit an automatic right of access into the health system.

Thus, the Circular states: ‘Les citoyens de l’Union bénéficiant de la qualité de résident permanent, appréciée par les préfectures et matérialisée par la détention d’une carte de séjour portant la mention « CE-séjour permanent-toutes activités professionnelles », ne sont plus soumis aux conditions exigées des inactifs (ressources suffisantes et assurance maladie complète) visées à l’article L.121-1 du CESEDA. Ils peuvent être affiliés à la CMU et, le cas échéant, complémentaire (CMU-C), dans les conditions de droit commun.’

What this means is that an EU resident who has a residence permit that indicates they have business/employment in France does not have to comply with either the requirement of existing health cover or minimum income in order to be entitled to access the Couverture Maladie Universelle (CMU).

Now, of course, if you run a registered business in France then you are automatically affiliated to the health system, and a carte de séjour is not obligatory, although it is available on request.

However, there is anecdotal evidence from you that some préfectures are prepared to issue such a carte de séjour without the need to prove the creation of a business or salaried employment.

In short, what seems to be being said is such a permit grants the right to start a business or take employment for those that may have the intention to do so.

We do not believe that this broader interpretation was ever the scope of such residence permits, but it is clearly a game of chance, and all we can say is that if you have exhausted all other options, this is one option that may well be worth pursuing.

If all you are being offered is a carte de séjour ‘non-actif’, then it is unlikely that this would take you much further, although it would of course confirm that you were legally resident in France.

In order to obtain a residence permit you need to make application to your local préfecture, the main governmental office that is located in each department of France. You will need to provide a range of documentation, whose list may vary, but you would be well advised to go along with your passport, utility bills, income tax notice, taxe d’habitation, marriage and birth certificates.

David Yeates, Editor at www.french-property.com/news

We would be most interested to continue to hear from you on this issue. You can contact us by mail at: editor@french-property.com

 

Partners

SOFICAS TOURS & SEMINARS

  
SOFICAS has created this website in conjenction with the health seminars to help understand the French health system. 

The SOFICAS seminars have been massively popular since 2010.

This is why SOFICAS would like to offer the possibility to everyone by explaining the French health system.

Major events such as Earls Court London and the NEC in Birmingham have made the eager mover's decisions easier to make and especially steer clear of making mistakes getting into the French Health system or taking out Private Cover.

Talks on a smaller scale to associations, clubs and even groups between friends have revealed to be very helpful to expats already living in France.

These talks are aimed at explaining what the French health cover in France does and in particular how to use it. 

rong>If you would like more information on SOFICA's venues, seminars or would like to organize something in your area, please email your request to Tony MASON.rong>
rong>rong>

Partners

EU Questions France over Health Cover Refusals

EU Questions France over Health Cover Refusals

Wednesday 04 January 2012

The EU is stepping up pressure on France over reports that expats are still being refused health cover.

With many of you taking our advice to complain to the EU about refusal of access to the health system, the European Commission have now written to the French government seeking an explanation.

In a letter to one of the complainants, a copy of which has been sent to us, the Commission states that:

‘The Commission are aware that there are current difficulties for inactive expats in gaining access to the CMU. It was hoped that the issue of the new Circular DSS/DAC/2011/225 would solve such difficulties. However, it seems that inactive expats such as yourselves are being refused access to the CMU. The Commission’s view is that this is not in conformity with the requirements of Article 4 of Regulation (EC) No 883/2004.

The Commission is currently in correspondence with the French Ministère du Travail, de l'Emploi et de la Santé about this issue. We have told the French Ministry that we have received a number of complaints where access to the CMU has been denied by regional health authorities.

The French Ministry has asked for concrete details of the cases where access to the CMU has been denied and where the Commission believes there is a breach of EU rules.’

The letter is interesting on many levels, not least for giving the distinct impression that the Commission may well feel it has been duped by the French government. 

At face value the French response appears innocent enough, with the inference that any problems are attributable to a failure in local administration.

However, given the absence of any emphatic statement of commitment to implementation of the EU rules, there are grounds for a less generous view.

We have to remember that the Circular was only issued by the French government in response to infringement proceedings brought by the EU, following the decision by France in 2007 to close the door on early retirees having access to the health system until they had been resident for 5 years.

One quietly sympathetic senior French health official has in fact told us that the Circular was no more than ‘playing for time’. Their words rather echo those said to one of our readers by a local official, who was told to 'read between the lines' in an interpretation of the Circular.

If this is the case then keeping the policy guidance unclear may well have been precisely the intent.

No wonder then that the infringement proceedings have yet to be withdrawn pending an assessment by the EU Commission of implementation of the Circular, and why the French government will continue to be annoyed that this issue will not go away.

Complain, Complain, Complain

With the French authorities making it clear that the burden of proof lies with the Commission to demonstrate non-compliance we urge any EU national having difficulties to send in a formal complaint to the Commission.

If you are refused access you should insist upon a letter in writing from your local CPAM. We know some health authorities are reluctant to issue such self-incriminating evidence, but you have the right to a formal written response to your application for admission and so do not be put off with less. 

It is these letters of refusal that remove any conjecture about what is actually taking place, and which can then be used as the backbone of evidence presented by the EU Commission to the French government.

Our previous Newsletters and our Guide to the Health System in France provide more details on the application and appeal process, as well as complaint and contact details for the European Commission.

Do continue to keep us informed about developments so we many continue together to campaign for a resolution of this matter. You can contact us at editor@french-property.com

This article was featured in our Newsletter dated 04/01/2012 David Yeates, Editor at www.french-property.com/news

 

 

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Early Retirees Access to Health System Confirmed

Early Retirees Access to Health System Confirmed

Tuesday 12 July 2011

A new circular confirms early retirees from Europe have access to the French health system, although not always on an automatic basis.

The guidance* states that, subject to sufficient resources and existing health insurance cover, inactive early retirees can be admitted to the Couverture Maladie Universelle (CMU) on a ‘case by case’ basis.

The November 2007 circular, which barred early retirees from access to the health system unless they had five years legal residence, has now been withdrawn.

Right of Residence

It is clear from the new guidance that the French authorities have been obliged to withdraw the earlier circular due to non-compliance with EU rules on the right of free movement of persons within Europe.

A residence permit (carte de séjour) is not required to reside in another Member country so any EU national is entitled to relocate to France, provided they have sufficient resources and that they hold health insurance.

Indeed, after 5 years legal residence there is an automatic right of permanent residence, irrespective of these two qualifying criteria.

The minimum level of resources to be ‘sufficient’ in order to be legally resident is stated in the circular to be the equivalent of the Revenu de Solidarité Active (RSA) minimum income support level.

The level of the RSA per month depends on household size, as follows:

RSA 2011
rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #5cb3ff; margin-right: 0px; width: auto !important; ">HouseholdChildren Under 25 (or dependents)
No Child1 Child2 Children3 ChildrenAdditional child or dependent
Single person€467€700€841€1027rowspan="2" style="padding-top: 0px; padding-right: 0px; padding-bottom: 0px; padding-left: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 0px; border-top-color: #cccccc; border-right-color: #cccccc; border-bottom-color: #cccccc; border-left-color: #cccccc; border-top-style: outset; border-right-style: outset; border-bottom-style: outset; border-left-style: outset; background-color: #f5f5f5; margin-right: 0px; width: auto !important; ">€187
Couple€700€841€981€1167

The health insurance requirement would be met by either possession of an 'E' form (such as E106/S1), or through a comprehensive private health insurance policy.

Accordingly, provided on application to the local health authority (CPAM) an applicant meets these requirements, then they can be admitted to the health system at the expiry of the 'E' form cover (normally two years).

Private Health Insurance

Nevertheless, this right of admission is less automatic for existing early retirees in France whose current insurance is provided by a private health insurer.

The same hurdle also arises for future early retirees who are insured privately. Some early retirees have no alternative to private health insurance as they do not have enough national insurance contributions to obtain an E106/S1.

The circular states that unless this private cover has been lost, or is otherwise unattainable, they could well be refused access to the CMU.

It states:

‘Sous réserve d'un examen au cas par cas des circonstances dans lesquelles la couverture maladie nécessaire pour résider régulièrement en France a été perdue, les personnes qui démontrent avoir établi leur résidence habituelle et stable sur le territoire et disposent de ressources « suffisantes » peuvent se voir accorder le bénéfice de la CMU…’

The circular gives examples of those cases where access to the CMU may be granted to those with private health insurance:

  • A reduction in income making it impossible to continue with private insurance;
  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;
  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;
  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.

It is clear from the tone of the circular that the authorities are obsessed about 'health tourism', so the circumstances of each applicant will be examined in detail.

As reasonable as this may seem, there is likely to be concern about the lack of clarity on the admission criteria into the CMU for those with private health insurance. At what point does private health insurance become ‘too onerous’? Without a cost to income threshold figure being stated there are likely to be widespread differences in the application of the law.

The local health authorities in France will almost certainly demand greater clarity from the government, for they are obliged under the guidance to provide anyone who is refused access to the CMU a written statement of the reason(s) for refusal of their application.

Low Income Households

The circular does, however, confirm the right of early retirees on low income to free health insurance through the CMU-C, a right that also applies to self-employed persons who meet the income criteria.

If you meet the low income criteria (currently €11,656 pa for two people), the circular states you can obtain access to the Couverture Maladie Universelle Complémentaire.

It was abuse by expats of the CMU-C that led the French authorities to tighten the regulations in 2007.

So it is not surprising, therefore, that the circular makes it clear that all applicants for both the CMU and the CMU-C will be required to satisfy the authorities on the level of their income.

In the case of the CMU this will be to determine the level of their contribution, while in the case of the CMU-C to assess their eligibility for free health cover.

It can be anticipated that anyone seeking access to the CMU-C, in particular, will have their income and lifestyle thoroughly examined.

The circular infers that low income alone would not necessarily grant access to the CMU-C if the applicant possessed a valuable home or other wealth.

*Circulaire N°DSS/DACI/2011/225

If you are not already registered with us, and you would like to receive regular information on the French health system, buying French property and living in France, then you can register to receive free of charge our regular Newsletter at Newsletter Registration.

This article was featured in our Newsletter dated 12/07/2011 David Yeates, Editor at www.french-property.com/news

Partners

Le Tour de Finance 2012


VIP Invite 

Soficas are proud to be part of the premier expat event coming to your local area.
We’d love you to be part of an exciting rong style="font-family: Arial, sans-serif; font-size: 12pt; ">FREErong> event on the expat calendar in September.
Le Tour de Finance is an event for British expats looking for information on a range of different financial products and services from investments to pensions, healthcare to international transfers and banking to taxation.
You can find out everything you need to know about the different tax laws, expat regulations and how to make the most of your money, while chatting to like-minded people from your area over lunch and refreshments.

rong>  ·         Free entryrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free expert seminarsrong>   rong style="font-size: 12pt; text-indent: -18pt; ">·         Free lunch and refreshmentsrong>

Dates and Venues

Wednesday 12th September    Golf de Saint Junien 87200 Saint Junien

Thursday 13th September    Golf de la Marterie 24260 Mortemart

Format

11.45   Welcome to guests

12.00   5 companies giving 10-15 minute presentations at certain points during the 3 course meal.
Only one company will represent a specialist area i.e. banking, pensions, healthcare, mortgages etc

14.00   Questions and chat to the speakers, Prize draw and Carriages 

 If you’d like more information or you’re able to attend please email: letourdefinance@currenciesdirect.com or call Pippa Maile on tel: +33 (0) 489 829 206 or mobile +33 (0) 672 096 495.
We will email you the full agenda and directions to your local event.
 

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France Sticks to Five Year Rule on Health Cover

France Sticks to Five Year Rule on Health Cover

Wednesday 01 February 2012

Internal documents reveal that France has comprehensively outwitted the EU over health cover reforms.

Despite the belief held by EU Commission that France had eased access into the health system for inactive early retirees, in fact documents obtained by us show that the five year residence rule remains in force.

Guidance sent to local health authorities last month by the health service national agency states that ''the expiration of an E106/S1 is not an automatic ground for granting access to the CMU, this event being foreseeable.''

The internal advice goes on to say that upon the expiry of their cover through an E106/S1 inactive early retirees should take out private health cover.

This directly contradicts the statements from the Commission that the whole purpose of the new Circular issued last June was to ease access arrangements for early retirees. 

Readers will recollect that the Commission brought infringement proceedings against France (which they have not abandoned) precisely because they were denying early retireess access into the health system.

However, the Commission can hardly be blamed for giving France the benefit of the doubt, for the June Circular explicitly withdraws the previous 2007 guidance, which prevented inactive early retirees entering the system, and nowhere is there mention of a five year rule.

Under European law European nationals legally resident in France for at least three months are entitled to be treated in the same manner as French nationals, including unfettered access to the health system, the Couverture Maladie Universelle (CMU).

By all appearances the June Circular seems to reflect this rule, stating as it does that the EU nationals enjoy continuity of rights as between one country and another.

Indeed, this is also reflected on the website of the CMU, which could not be clearer. It states:

''Pour pouvoir bénéficier de la couverture maladie universelle de base, vous devez résider en France de façon stable et régulière.

La résidence stable est réputée acquise après 3 mois de résidence. Cette condition est applicable à tous, français ou étrangers.''

The fact that this declaration has remained stubbornly promulgated on the website over the past few years does suggest some tensions within the health service about the stance France has taken. The site is otherwise regularly updated for changes in law and practice.

But the content of the June Circular is really no more than an oxymoron, leading to confusion even amongst many CPAMs many of whom have remained unclear of the policy in relation to inactive early retirees.

That is why they requested clearer guidance from the national agency, as part of which they submitted a series of questions, replies to which were included in the guidance that has been sent to them.

More generally, not only are many CPAMs confused, but it is clear from your reports at just how badly informed are some officials. 

Tony Mason, of health insurance brokers Soficas, says he recently attended a meeting in Perigeux, organised by Angela Martyn (President North Eastern Dordogne Women's Association), and attended by around 70 British expats and senior health officials from the local CPAM.

''The officials were completely unaware of the June Circular, and expressed disbelief when on a show of hands around one-third of those present said they had been refused health cover'', he says.

Now, of course, it may well be convenient for officials to deny knowledge of the problem, but there is widespread evidence that many local officials are simply ill-informed.

Medical Tourism

One of the other interesting aspects of the internal guidance is that it is clear the key factor behind the continued embargo is the fear by officials of ‘abuses’ of the health system, in particular, by those who relocate to France merely to obtain medical treatment. Officials seems obsessed by 'medical tourism'.

Accordingly, the guidance states EU regulations prevent the automatic refusal of early retirees, so each case must be examined on its merits, ''to prevent abusive behaviour and the need to consider in general the reasons for the transfer of residence to France.''

If the 5 year residence rule is to be enforced, it remains unclear just what a 'case by case' consideration of all applications is supposed to do, except to try and demonstrate at least perfunctory compliance with EU rules.

Mixed Picture

Not unexpectedly, most of you affected by this rule are reporting difficulties in getting into the health system.

Greater success seems to be being achieved by those of you with a serious pre-existing medical condition that prevents you obtaining private health insurance. In most cases a letter of refusal of insurance from a private health insurer does seem to be able to unlock the door.

Those of you claiming low-income as a reason for not being able to take out a private insurance policy are experiencing mixed success, as CPAMs seem to be making up their own rules about whether a private health insurance policy is 'too onerous'.

There are also other CPAMs who are simply ignoring the guidance from the centre (or seem blithely unaware of it) and continue to grant access to early retirees.

It is clear that a great deal of pressure is now being placed on the French authorities due to the high number of appeals that are being made, and the number of complaints that have been made to the European Commission.

Some of you are experiencing delays in the processing of your applications. This may not be due to intransigence by the authorities, but staffing pressures that are being experienced in many CPAMs.

Do keep us posted at editor@french-property.com.

This article was featured in our Newsletter dated 01/02/2012


 David Yeates, Editor at www.french-property.com/news

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Stratagems for Getting Health Cover

Stratagems for Getting Health Cover

Tuesday 01 May 2012

With the French government still refusing to budge on granting early retirees access to the health system, what options are there available?

It is clear from the stream of e mails we receive each week that there must be thousands of British and other European expats living in France unable to access the health system.
As a result, many of you have been obliged to take out often expensive private health insurance, which frequently fails to offer full cover due to pre-existing medical conditions.
In the worst cases, some of you are obliged to live in France without any health insurance, either because you cannot get private cover, or because it is too expensive.
We continue to remain in regular contact with the European Commission concerning this issue, and we are grateful to those of you who have taken our advice to complain to them about your circumstances.
The latest position we have from the Commission is as follows:
'The Commission has been monitoring how the new Circular is being applied in practice to see whether this is in line with the letter and the spirit of Regulation 883/2004. As a result of this monitoring process, we have serious concerns that the French authorities are continuing to refuse admission to the CMU in breach of EU law. The Commission has raised these concerns with the French authorities and hopes that a resolution of this difficult matter can be found soon.'

The statement does at least give some glimmer of hope, and it may well be that further progress will be made after the forthcoming French presidential elections in May.

In the meantime, what can you do? Here are a few options to consider:
 

      rong>i. Appeal
rong>      rong>ii. Change of Circumstances
rong>      rong>iii. Residence Permit
rong>      rong>iv. Auto-Entrepreneur
rong>      rong>v. Aide Médicale de l’Etatrong>

 

i. Appeal

If you are refused health cover by your local Caisse primaire d'assurance maladie (CPAM) you should make a formal appeal against the decision to the local appeal panel, the Commission de Recours Amiable (CRA).

No legal assistance is necessary, and you can pull together an appeal letter using the information contained in our Newsletters, notably the fact that refusal is contrary to European law.
There is no guarantee that you will be successful, and we know of many cases where the CRA have turned down appeals.
However, this has not universally been the case, and sometimes the threat of an appeal has been enough for the local CPAM to somehow miraculously change their position.
 
If you are turned down by the CRA you have a further right of appeal to a court of law, for which you are likely to need legal assistance.

ii. Change of Circumstances

Under even the restrictive provisions of existing French legislation it is possible to obtain access to the health system on a change of circumstances arising from an 'accident de vie'.

These change of circumstances are:
  • A reduction in income making it impossible to continue with private insurance;

  • The cost of the private insurance becoming too onerous by the necessity to receive treatment for the insured or a member of their family;

  • Loss of cover due to loss of employment, death of spouse or partner, or divorce;

  • Other unspecified reasons outside of the control of the applicant that led them to lose their current private health insurance.
Internal guidance given to the local health authorities in January remains ambiguous on whether health authorities have the discretion to allow early retirees access to the CMU on the expiry of the 'S' form cover where the applicant has been refused private insurance cover due to a pre-existing medical condition.
 
The guidance (Lettre Réseau DDGOS-7/201211/01/2012) states:
 
L’examen par la Cpam d’une demande éventuelle de CMUB repose donc sur l’appréciation du motif pour lequel la personne indique ne pas pouvoir souscrire une assurance privée: si elle est non assurable, la CPAM peut demander à l’intéressé de fournir les lettres opposant un refus d’assurance par différentes compagnies, notamment au motif de maladies préexistantes. La CPAM ayant géré la personne jusqu’alors, elle est d’ailleurs capable d’identifier si l’intéressé relève d’une ALD, sans avoir à en connaitre le motif médical précis.

So you will need to make application and argue your case. We are aware of a large number of cases where this has occurred, although there are probably an equal number who have been refused, despite the fact that they appeared to have a valid case. The difficulty is that it is all down to local case by case determination, and there seems no rhyme or reason to some of the decisions. Neither do we believe that local appeal decisions are collated and used as precedent at a national level.

iii. Residence Permit

The above guidance also makes it clear that those who hold a residence permit are granted the right of access to the CMU.
 
However, it needs to be a particular kind of residence permit, called a CE-séjour permanent-toutes activités professionnelles.
Such permits are ordinarily only available if you are registered self-employed, but we are aware of prefectures who seem willing to issue them to early retirees without the need to prove they run a business.
We did discuss this issue in a recent Newsletter, to which you might be best to refer, at rong>Health Cover and Residence Permits.

rong>
We consider for some of you this is a potentially fruitful approach as we know of a number of cases where it has worked.

iv. Auto-Entrepreneur

If you set up business in France you are no longer an ‘early retiree’, which then enables you to gain automatic right to the French health system.
One of the advantages of setting up as an auto-entrepreneur is that you do not need to demonstrate any turnover for two years before you then cease to be able to retain the status.
We do not advocate abusive uses of this approach (previous abuses of the health system by expats are why we are currently in this position), but if you do have even the germ of a business idea you wish to pursue this is a painless way to obtain health insurance cover, as well as business registration.

v. AME

Finally, if you have no means of health cover, you are on a low income, and you have been resident for at least three months, then you should consider making application for cover under the health regime of last resort, called the Aide Médicale de l’Etat (AME).
To be entitled to access the AME your income must not pass certain thresholds, which differ by family composition, as follows:
  • One Person - €7,771
  • Two People - €11,656
  • Three People - €13,988
  • Four People - €16,319
You should make application to your local CPAM.

Five Year Rule

And remember, even under present rules, once you have been resident in France for 5 years, you have an automatic entitlement to the health system.

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news


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Dordogne Makes Concession on Health Cover

Dordogne Makes Concession on Health Cover

Friday 01 June 2012

The health authority in the Dordogne has agreed to admit early retirees with a long term illness into the health system.

According to Tony Mason of health insurance brokers Soficas those with what is known as an 'Affection de Longue Durée (ALD)'* prior to losing their health cover rights under an S1/E106 will now be able to obtain cover under the Couverture Maladie Universelle (CMU).

‘It still remains a little unclear to me why the CPAM have changed their position’ he says,‘but in large measure I think it is genuinely because, until we made them aware, they simply had no idea of the scale of the difficulties being faced by a large number of early retirees, who simply had no medical cover.’

The enlightenment of officials to the problem began several months ago when Tony attended a meeting of around 70 British expatriates in Perigeux organised by Angela Martyn, the President of the North Eastern Dordogne Women's Association. He arranged for local CPAM officials to be present.

At the time, the health officials denied that there was a problem of access into the health system.

''So as if to prove the point' say Tony, 'I opened the matter up to a show of hands in the room, when around one-third of those present stated that they had been refused health cover by the CPAM.

The look of disbelief on the faces of the officials was only matched by my own astonishment that they should appear to be so blindingly oblivious to what was taking place in their department.

At the end of the meeting officials confided to me that they clearly needed to undertake some internal consultation, and the outcome now appears to be the change in policy administration.''

Tony advises that those in the department of Dordogne with a pre-existing long-term illness should contact him to discuss whether they might be eligible to obtain access to join the CMU.

Those who develop an Affection de Longue Durée (ALD) after they come to France already have a right of access into the health system under ‘accident de vie’ provisions, on a case by case basis.

The position of those early retirees who do not have a long-term illness remains unchanged, although we would suggest you discuss your circumstances with Tony to see what can be done. You can contact him at tony@soficas.fr.

The same applies to those living in other areas of France, where the position of many local CPAMs remains intransigent, although not in all cases.

We are finding that a number of health authorities are conceding when pressured, while others are recommending that early retirees secure a residence permit, on the basis of which the health authority would then be able to grant them access into the system. We covered this point in our last Newsletter.

We await further news from the European Commission who are pressing the French government for a relaxation in the rules and infringement proceedings remain in force. It remains to be seen how matters might develop with a new government in place in the country.

*Affections de Longue Durée (ALD)

The list of those illnesses (in French) classified an ALD provided from the French health service website is show below. It currently excludes high-blood pressure, removed from the list last year, but this may by under review by the new government.

  • Accident vasculaire cérébral invalidant
  • Insuffisances médullaires et autres cytopénies chroniques
  • Artériopathies chroniques avec manifestations ischémiques
  • Bilharziose compliquée
  • Insuffisance cardiaque grave, troubles du rythme graves, cardiopathies valvulaires graves, cardiopathies congénitales graves
  • Maladies chroniques actives du foie et cirrhoses
  • Déficit immunitaire primitif grave nécessitant un traitement prolongé, infection par le virus de l'immuno-déficience humaine (VIH)
  • Diabète de type 1 et diabète de type 2
  • Formes graves des affections neurologiques et musculaires (dont myopathie), épilepsie grave
  • Hémoglobinopathies, hémolyses, chroniques constitutionnelles et acquises sévères
  • Hémophilies et affections constitutionnelles de l'hémostase graves
  • Maladie coronaire
  • Insuffisance respiratoire chronique grave
  • Maladie d'Alzheimer et autres démences
  • Maladie de Parkinson
  • Maladies métaboliques héréditaires nécessitant un traitement prolongé spécialisé
  • Mucoviscidose
  • Néphropathie chronique grave et syndrome néphrotique primitif
  • Paraplégie
  • Vascularites, lupus érythémateux systémique, sclérodermie systémique
  • Polyarthrite rhumatoïde évolutive
  • Affections psychiatriques de longue durée
  • Rectocolite hémorragique et maladie de Crohn évolutives
  • Sclérose en plaques
  • Scoliose idiopathique structurale évolutive (dont l'angle est égal ou supérieur à 25 degrés) jusqu'à maturation rachidienne
  • Spondylarthrite grave
  • Suites de transplantation d'organe
  • Tuberculose active, lèpre
  • Tumeur maligne, affection maligne du tissu lymphatique ou hématopoïétique

This article was featured in our Newsletter dated 01/05/2012   David Yeates, Editor at www.french-property.com/news

 

Partners

LEBONHEUR immobilier - 65

Edward Landau from LeBonheur Immobilier has invited Tony MASON from SOFICAS to be a guest speaker for their conference day near MAUBOUGUET (65). 

The Café Matin group for Thursday 19 July will commence at 10.00am in the village hall in St Lanne, Hautes Pyrenees (border 65/32/64/40). 

rong>Meeting 19 July St Lanne Village Hallrong>

rong> 10:00rong> - Tea/Coffee (provided)

rong> 10:30 - 11:15/11:30rong> First Speaker - Victoria Headdon
(Effects of changes to Inheretance/Property Laws) - to include Q&A

rong>11:15/11:30 - 12:30rong> Edward Landau and Tony Mason of SOFICAS
(French Healthcare/Top Up Insurance etc) - to include Q&A

rong>12:30rong> - Pot Luck Lunch during which time we will attempt to answer as many questions as possible or perhaps make arrangements to meet at a further date. 

If you need any information before this date or are unable to come, please e-mail Tony : tony@soficas.fr

Partners

Currency Watch & Converter

rong>Trust a Specialist to Get it Right on Overseas Transfersrong>

 

Many of us send money abroad for various reasons. Anything from emigrating; purchasing a holiday home; paying a mortgage or covering monthly business costs, we do this through the obvious vehicle - our bank. The disappointing factor with this choice is we lose money every time we do this, either through bank charges such as transfer fees or through poor foreign exchange rates. Naturally we all trust our bank to handle financial matters, but we don’t consider other options for transferring funds abroad, most probably because we aren’t aware of the benefits of using a specialist foreign exchange provider.

 

For those who are aware of the charges from the bank and negotiate a better deal; need to consider that banks are often prepared to waive their fee or charges because they can make a substantial profit on offering a poor foreign exchange rate. So however you look at it the banks make money and you lose money on international transfers, the larger the transfer, the more you have to lose.

 

Every year at Currencies Direct we see new clients joining us; it never ceases to astonish us how much money our clients lose through banks and how much they saved through our services especially on large transfers* or small regular overseas payments. We charge no fees for transfers over £5000 and regular transfers are also fee-free.

 

You will wonder how businesses like our own make money if you are saving so much? This is simple, we buy £2bn worth of foreign exchange each year so we are able to purchase our currency at wholesale rates. We pass on most of these savings to you, retaining a small margin for ourselves. We guarantee to always beat the banks on exchange rates.

 

Transferring your funds overseas is very straightforward with Currencies Direct. We process 220 000 payments a year so we have the expertise to make payments swiftly and painlessly. As soon as we receive your funds, we send out the payment immediately to the bank account details you have provided. We send payments to bank accounts in 50 countries and trade in 45 different currencies giving you a wide choice of where you can make transfers.

 

Working as a specialist broker gives us the advantage of finding the best rates for you and offering you a more personal service, we have numerous solutions that can be tailored to meet your needs. Once you have registered for our service you will receive a personal dealer who will handle your foreign exchange payments, their  job is to ensure you receive the best rates as well as giving you the option of buying the rate now or when it meets a target set by you and the dealer. The dealer will discuss with you the best option for your needs. You can make international transfers by speaking to your dealer and agreeing a contract or you can use our online system iPayFX.  

 

Currencies Direct offer a wide range of services to assist you with your international payments. The bottom line is – your best interests are our focus.

 

Written by Karl Sieha,  Currencies Direct

 

*Currencies Direct can typically save clients up to three per cent of the overall amount of money being transferred compared to mainstream banks. And, unlike most other exchanges, it does not charge a commission and waives its transaction fee on deals above £5,000.

Partners

SOFICAS new address


rong>SOFICAS 6 rue Jean-Croix-Treyeran 33200 – BORDEAUX
rong>Obviously, any post sent to the old address will be redirected for a couple of years.

 

Please go to the rong>CONTACT US rong>page to see where to send your rong>bills, estimates and general enquiriesrong>.

Partners

Next talk: 12th July 10h30

First talk after BREXIT held at Pontivy (56)

Brittany Tuesday Club

Tuesday 12th July 2016 at 10h30, free talk with optional lunch with club members to continue the debate.

For those wanting further information, I will personally be visiting everyone between the 11th and 23rd July.

The Brittany Tuesday Club, so called because it meets every second Tuesday of the month at the robic Hotel, Pontivy offering British expatriates and residents of the region a lively programme of lunches, outings and talks.
I am very honoured to have been invited to talk about how the French health system works and what possible changes could be forthcoming regarding the BREXIT referendum.

If you would like to come along as a guest and why not become a member yourself please contact rong>Tony MASONrong> : rong style="font-size: 14pt;">tony@soficas.frrong> (places are limited so please reserve quickly).
Click on the different links to visit the Brittany Tuesday Club rong style="font-size: 14pt;">WEBSITErong>rong>DIARYrong>rong> rong>to see past and upcoming events and on rong>DIRECTIONSrong>rong> rong>for details on to get to the hotel/restaurant.
If you require any other information please do not hesitate contacting me at the office on rong>05.56.51.91.60rong> or if you would like to arrange a personal visit during my tour please contact rong>Tony MASONrong> : rong style="font-size: 14pt;">tony@soficas.frrong> or rong>06.84.53.94.30rong>.


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Get ready for Brexit

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HOUSE & CAR INSURANCE

SOFICAS has partnered with a top car and house insurance broker: EUroPEA CONSEIL.

Like SOFICAS, they are dedicated to the Anglophone population living in France or on the point of doing so. Sharing the same head office in Bordeaux and the same high standards of service that SOFICAS clients have been accustomed. EUroPEA CONSEIL will be delighted to serve you too.

EUroPEA CONSEIL, like SOFICAS is an independent broker and as a SOFICAS client, you have a privileged access to the best offers from AXA, ALLIANZ, GENERALI amongst others.

rong>Click on the logo belowrong>, fill in your details and EUroPEA CONSEIL will get in touch with you to talk about your house and/or car insurance needs very soon.

 

 

EUroPEA CONSEIL - 6 rue Jean Croix Treyeran - 33200 BORDEAUX - 05 57 09 20 08
RCS BX 493 323 679 - SARL au capital de 8000 €. Code APE 6622 Z
Carte professionnelle immobilière N° CPI 3301 2018 0000 38024 délivrée par la CCI de Bordeaux
CIF n° ECCIF144010. Membre de l'ANACOFI-CIF, association agrée par l'AMF

 

                     

 Antoine BERTIN   -     Hubert de THOISY     -   Isabelle MAIRE

 

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