rong>A FEW DEFINITIONSrong>

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

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>
Examples of reimbursement: rong> 

rong> rong>

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

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

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

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

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

rong>
Hospitalization / Hospitalisation: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>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 medrong>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>A FEW DEFINITIONSrong>

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

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>
Examples of reimbursement: rong> 

rong> rong>

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

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

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

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

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

rong>
Hospitalization / Hospitalisation: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>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 medrong>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>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"

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.

rong>A FEW DEFINITIONSrong>

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

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>
Examples of reimbursement: rong> 

rong> rong>

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

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

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

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

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

rong>
Hospitalization / Hospitalisation: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>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 medrong>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>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"

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.

rong>A FEW DEFINITIONSrong>

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

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>
Examples of reimbursement: rong> 

rong> rong>

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

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

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

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

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

rong>
Hospitalization / Hospitalisation: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>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 medrong>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>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"

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.

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

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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

rong>A FEW DEFINITIONSrong>

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

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>
Examples of reimbursement: rong> 

rong> rong>

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

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

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

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

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

rong>
Hospitalization / Hospitalisation: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>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 medrong>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>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"

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.

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! 

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

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.

 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.

rong>A FEW DEFINITIONSrong>

Understanding The French System     l     Examples of Reimbursements

Hospitalization     l     Key Words     l     Usefull Phrases

 

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>
Examples of reimbursement: rong> 

rong> rong>

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

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

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

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

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

rong>
Hospitalization / Hospitalisation: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>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 medrong>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>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"

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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.

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!