Temporary Private Health Insurance application
INTERNATIONAL TRAVEL INSURANCE
The MY TRAVEL COVER by APRIL is full private cover whilst traveling.
Options are available to cover you anywhere in the world and personalised durations.
No medical details and immidiate cover on the EMERGANCY level only.
The MTC can replace minimum French health requirements that are needed to register with the French authorities when applying for residency and your Carte Vital.
For VLS-TS applications an APRIL MHI policy is required. Please contact SOFICAS for further details.
To get your personalised quote for APRIL PHI, please click on the APRIL LOGO and fill in all information requested.
To change the language to English, simply click on the small green globe (top left) and select English.
INTERNATIONAL TRAVEL INSURANCE:
The MY TRAVEL COVER by APRIL is full private cover whilst traveling.
Options are available to cover you anywhere in the world and personalised durations.
No medical details and immidiate cover on the EMERGANCY level only.
The MTC can replace minimum French health requirements that are needed to register with the French authorities when applying for residency and your Carte Vital.
For VLS-TS applications an APRIL MHI policy is required. Please contact SOFICAS for further details.
To get your personalised quote for APRIL PHI, please click on the APRIL LOGO and fill in all information requested.
To change the language to English, simply click on the small green globe (top left) and select English.
ASAF/AFPS/GIEPS
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.
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 “solidarity” 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.
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.
0044 (0) 191 218 (1999) or (7777)
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.
WoodMart Marketplace
WoodMart Marketplace stands as a prominent multichannel online marketplace specializing in technology products and services. Our mission is to make cutting-edge technology accessible to everyone, offering a seamless shopping experience tailored to individual preferences.
Our goal is to be useful
800+ million
of total income
+1 million
customers every year
400+
employees worldwide
100%
founder owned
We are firm believers that life’s conveniences, joys, and kindness should be easily attainable. Hence, the quest for these should be swift, user-friendly, and delightful. At Woodmart, our commitment goes beyond selling home appliances, electronics, jewelry, or wine. We strive to streamline your search, ensuring you find precisely what you need effortlessly. Our aim is to eliminate the hassle of endless searches, allowing you to live a content and joyful life. Woodmart serves as a comprehensive solution, from the initiation to the culmination of your search, a genuine companion. We liberate our customers from unwelcome compromises, fulfill their desires, and empower them to dream without constraints. Through intelligent search mechanisms and sincere service, we’re actively enhancing our customers’ lives, one step at a time.
Select, Access, Enjoy
Our approach is centered around assisting everyone in selecting, affording, and deriving pleasure from technology. Customers form the core of our endeavors. Continuously, we strive to enhance the customer journey, providing value for all stakeholders.
Select
We aid customers in selecting the appropriate technology from an extensive array of products, available both in our online store. Our proficient and dedicated team members offer expert in-person guidance to assist customers in making informed decisions.
Access
Enjoy
LIVING FRANCE MAG JULY 2011
A - It is said that the French system is the best in the world.
Fortunately, I have not had the misfortune to experience the other countries hospitality but the French health services have an excellent reputation for the care provided but on the other hand has the reputation of being VERY expensive and complicated if you get things wrong.
The French system bears no resemblance to what you have been accustomed to as many expats realize when they make their first claims.
Expats that have tried to get into the “Sécurité Sociale” by themselves have found it sometimes very complicated and longwinded if they “step off the garden path.”
When you are on “holliday” in France, (this is how you will be regarded until you become French resident), your “EHIC” (European Health Insurance Card) will cover you for any unplanned eventualities. You will be asked to pay upfront for minor medical acts but the larger hospitalizations will be taken care of between “CPAM” ‘(Caisse Primaire d’Assurance Maladie) and/or the NHS.
When you eventually stop working and decide to move, apply for an S1 from the NHS. Formerly known as but still referred to as an E106.
This will give you normal French social security cove as long as you have worked and paid NI contributions in the last 3 years. The validity of the S1 depends on when you stopped working and when you apply for the forms.
The normal French system is only partial reimbursement so it is strongly advisable to take out complimentary insurance (top-up) to reimburse what the “CPAM” does not cover.
At the end of your S1(E106) period, if you are not or have not been employed or self-employed and you are still under your state of origins retirement age then you are OBLIGED to take out FULL private insurance. This cover MUST REPLACE your French “Sécurité Sociale” and possibly your complimentary insurance depending on the level of cover chosen. Policies recognized by the French system are the “NON ASSUJETIS SOCIAUX” or “NA”, expressed as a PERCENTAGE to the “TARIF DE CONVENTION” (set rate given to a particular medical act or treatment). The “NA” covers do not have FINANCIAL LIMITS nor can they refuse certain medical conditions, again replacing the French system. Depending on your medical condition, the company will increase your premiums to cover any known ill health risk or simply refuse you. As long as you have made the effort to get private cover but have been refused, there could still be a way into the system. You will only need the “FULL COVER” option for a few years.
When you can prove to “CPAM” that you have lived in France for at least 5 years with the adequate requirements you are granted access to the “CMU” (Couverture Maladie Universel). BECAREFUL, the “CMU” is NOT FREE but depending on your income.
The “CMU” is not obligatory, I have often maintained people on “FULL COVER” as some levels with reasonable cover are cheaper than the “CMU” and “Top-up” cover. At any period, If you are diagnosed with anything serious after your arrival in France you will probably be accepted into the French system with an “ALD” (Affectation de Longue Durée, (long term ill health)). This means that you are put back into the system and your medical needs regarding your particular condition are covered by the state but you will still need a “Top-up” for the rest.
Finally, an S1(E121) will be issued when you reach your state of origins retirement age, 66 for men and between 60 and 66 for women, depending on the NHS. This form entitles you and your spouse or partner (whoever reaches retirement age first) to normal “CPAM” cover like the S1(E106) when your originally moved to France. You will be issued with a “CARTE VITALE” and with your “Top-up” papers are no longer required to pay for the majority of your medical needs.
It is recommended to seek professional advice through companies that specialize in the expat community. Only a handful of “HEALTH INSURANCE SPECIALISTS FOR EXPATS” like SOFICAS really exist. The services and information provided should be FREE OF CHARGE regarding the state “Sécurité Sociale” when you take out a COMPLIMENTARY or FULL insurance with them. Tony MASON - SOFICAS
French Entrée Febuary 2012
Link to the original article by clicking on the FrenchEntrée logo.
Response 1:
We have been with them for about 12 months now. They are a lot better than our previous providers, and much cheaper.
Response 2:
We took out our health insurance with the sofica branch in Bordeaux 6 years ago and they have always been great. When things were going pear-shaped and we were going to lose our rights to the French system they came up with a solution and their quote, though high, was the better quote from several other companies (dont even mention BUPA or Exclusive who had no idea of the French system). They speak English and can explain everything clearly. Would highly recommend them.