Overview of the French Healthcare System
The French healthcare system is the world’s best, according to the World Health Organization. By all measurements, from the ratio of doctors to patients to the length of wait times, France consistently delivers strong results.
The healthcare system in France, known as Protection Maladie Universelle (PMU), provides universal healthcare through mandatory public insurance. It was overhauled in 2016 to be more comprehensive and affordable than the previous system, known as Couverture Maladie Universelle (CMU).
As a result, the public healthcare system covers an estimated 96% of all French residents. This includes expats, who must apply for France’s healthcare system if they have permanent residency and have lived in the country for at least three consecutive months.
In France, the majority of hospitals are state-owned and not-for-profit. French citizens see doctors regularly for checkups and healthcare maintenance. France’s public insurance even covers alternative therapies, such as homeopathy, acupuncture, and chiropractic.
However, some things are not covered, which is one reason why 95% of the French population also carries private insurance, and many expatriates have expatriate medical insurance.
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Costs of the French Healthcare System
It takes a lot of money to run the French healthcare system, but not all of it comes out of the individual’s pocket. The country funds public health insurance through payroll taxes, income tax, taxes on things such as tobacco and alcohol, and state subsidies. While French people do have co-pays under the system, many of them have low annual caps of about €50.
The Agence Nationale d’Accréditation et d’Evaluation en Santé, or ANAES, is a government agency responsible for issuing recommendations and practice guidelines. This includes treatments and supervision of specific conditions, as well as the evaluation of rates and reimbursement practices.
A recent report revealed that 77% of French healthcare costs, including those for general practitioners, hospitals, dentists, and pharmaceuticals, are covered by the government.
Most of the rest is covered by supplemental health insurance, so only about 7% of healthcare costs are paid out of pocket. Senior citizens and those with chronic illnesses are covered for 100% of their medical costs.
Most healthcare fees are set on a national level by the French government. Members of the French healthcare system are charged €7.50 to see a general practitioner and €15 to see a specialist. These fees are established at the national level by the government. Patients who are not part of the system pay €25 for a GP and €50 for a specialist visit.
If a patient in France’s healthcare system visits an emergency room but is not admitted to the hospital, they are charged a fixed fee of €18. A patient admitted to a public hospital is charged €18 per day for bed occupancy and will have between 80% and 100% of the treatment costs reimbursed, depending on their illness and the type of treatment.
Pros and Cons of the Healthcare System in France
The French healthcare system is generous and comprehensive. If you are a legal resident, you are eligible for public healthcare coverage, regardless of your employment status or income level. This represents a significant shift from the previous system, which required meeting specific employment conditions.
Like many countries with universal healthcare, France’s healthcare system can have long wait times for hospital services and specialist referrals, in particular, for psychiatry. Private health insurance coverage is one way to reduce wait times. By going private, patients can receive treatment in a facility that is more private and comfortable.
Private health insurance can also cover services that require substantial out-of-pocket payments from patients, such as dental and vision care. It can also cover the remaining 30% of basic care costs that patients are expected to pay out of pocket as a co-pay when using the public system.
Who is Eligible for Healthcare Coverage in France?
All legal residents who have resided in France for three months are eligible for France’s public healthcare system.
However, there are some additional conditions to be aware of before joining the French healthcare system. Expats must be living there in a “stable and regular” manner.
That means that short-term tourists aren’t included. Nor are people who don’t intend to continue staying long term, as well as people who will be living for less than six months of a given year.
People who spend the winter in the south, use France as a base, but travel for more than half a year, or anticipate leaving the country after a few months, should opt for private healthcare coverage that protects them no matter where they go.
How to Register for Healthcare
The first step for individuals born outside of France to access the public healthcare system is to register for a social security number at the local CPAM (Caisse Primaire d’Assurance Maladie).
To do so, you will have to bring your passport, visa (if applicable), birth certificate, lease, and proof of income.
You’ll also have to demonstrate that you’ve been living in France as an expat for at least three months. Copies of utility bills are a good kind of documentation.
While at the CPAM office, you can also register for your national health card or Carte Vitale and get advice on how to register for a local doctor in your neighborhood.
Carrying your Carte Vitale with you to any healthcare appointment in France is essential.
With the card, you will be reimbursed directly from the health insurance fund within a week for the consultation or treatment, meaning you don’t need to pay upfront.
Visiting a GP – with your Carte Vitale in hand – is your first step when you need help. You are free to choose any doctor you prefer, but you must register with them and declare them your primary physician in order to claim full reimbursement for your visits.
Health Insurance Options for Expats and Foreigners in France
People consider France one of the most expat-friendly places to live, primarily due to its public healthcare system.
However, 96% of French people hold some form of private insurance. As with many other things, it’s wise for expats to follow the locals’ lead.
If you’re staying for more than three months, you can register for the French healthcare system through your local government office.
However, if you’re unsure about your plans, carrying private healthcare insurance is a prudent choice. Without some kind of insurance coverage, you’re responsible for 100% of your medical costs.
An international health insurance plan is a wise choice for many expats. If you plan to travel, your expat plan will accompany you and provide coverage wherever you are in the world.
And if you want access to private health care, your international health insurance plan will make it easier for you to use private facilities.
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Understanding Specialist Referrals
Knowing how to see a medical specialist in France isn’t always so straightforward. For instance, the national health insurance program covers dentists, but at a different reimbursement rate. Their services are more in line with specialist healthcare, but you don’t need a referral to make an appointment.
However, you do need a physician’s referral to see most other specialists. Without one, you’ll have a larger co-pay. However, there’s an exception to every rule.
In the French healthcare system, you don’t need a doctor’s referral to see a gynecologist, pediatrician, or ophthalmologist.
And if you’re under 26 and want to see a psychiatrist, you don’t need a referral for that either. But for everything else, from dermatology to cardiology, you have to speak with your GP first.
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Joe Cronin, President of ICI, is a leading expert in international health, life, and travel insurance. An MBA and founder of multiple global businesses, he helps expatriates and travelers access trusted, comprehensive insurance solutions worldwide.
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