Then go to the UK site and apply to replace a lost card… there will be a way… won’t there ??? surely insanity can’t be too far away…
Someone must know… we must keep looking… grrrr
Thanks again Stella. I phoned and they have given me a different email address and they replied that they will deal with it.
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Even once you get your CV, you are only entitled to a percentage of cover the same as French residents. I think it’s 70% . So you will need a mutuelle. Some ongoing health issues get full cover, but that’s another issue.
No, not everybody will find that a full mutuelle is worth the money. We didn’t have one for years as were generally healthy and my main health costs were covered by the ALD. I think we spent on average 200€ a year each on the percentage we had to pay (which varies from O -75%).
We then felt that the time had come to get a mutuelle and ended up spending about 1000€ more every year than we got back. So we have swapped to hospital cover only. Affordable premiums and covers against the possibly huge costs of specialist hospital care. Suits us fine. It is worth considering for those in reasonable health with no complex eye or teeth problems.
You are right, each to their own. If you can afford to pay the extra costs or are happy to take a chance. It is up to the individual.
Absolutely! But because a lot of people have their mutuelle paid by their employer they will always tell people to take one out as if it is something that is obligatory or that you must have. Which it isn’t, it is something that we each have to question and decide.
Mine isn’t paid by my employer, but it is deducted at source and so I don’t pay tax on that bit of income, I think - also it covers all my children, so it’s worth it.
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Yes, you’re right it would have been more accurate to say “organised as part of their employment”.
It just gets to me that the received wisdom for new immigrants is so much that you NEED to take out a mutuelle, and even that you must do. And yes good mutuelles are not profit driven, but in general insurance companies are there to make money. So I really feel healthy people are possibly better off spending less on a mutuelle and more on staying healthy. They could use the money they save on a gym membership and fresh veg… So all for people making informed choices that suit their own circumstances.
Absolutely agree with the post further up re people being happy to take a chance. It is exactly that…you could be lucky and get away with it, or unlucky!
For me personally, not having a mutuelle would be as unthinkable as driving without insurance. It’s all ok until it isn’t.
And of course, for those of us with kids, not having a mutuelle is a non starter. As a parent you can’t play Russian roulette with your children’s potential future health requirements.
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As I said…
Any chance of being adopted?
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Well i was going to respond at numerous stages of this, but i am now just going to get the gin out and no tonic, how hard can people make life. Hik
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you might need the mutuelle for your liver sometime later 
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I think we are at slight cross purposes - you DO have a mutuelle as you have guesstimated that having a cheap policy is the best option for you. That’s your decision; I was picking up on the following point :
Because yes obviously, one is not legally obliged to but as forum management, I wouldn’t want it to be thought that I concur with this - because I don’t 
The percentage of people who will never, ever, ever need things such as wisdom teeth being removed / ultrasounds / X rays etc etc outside of A&E must be tiny. Hence my concern. Not having any form of mutuelle is (IMHO) quite insane. If you are on a low enough income help or free mutuelles are available, cheap policies are better than nothing and if you want a reasonably priced, personalised quote take a look HERE
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That makes sense…words can be so easily interpreted in different ways.
(Although we did manage to live for many years without a mutuelle at all, and without insanity creeping over us. Mid-aged health adults with full sets of non-hole’yteeth, 20:20 vision, and no dependant children and a disinclination to go to a doctors unless forced by extreme pain or blood loss. But once age and infirmity started to creep up we changed our minds)
Yep last week!
Teeth and mutuelles.
As we get older each year our mutuelle cost creeps up too.
We dont go for super cover but at a level which more or less makes everything free at point of delivery.
You always think that insurance is a waste of money until you need it and no one knows when that time will come.
I noticed I had a scab/spot that wouldn’t heal and showed it to our doctor during a routine visit last October. Within 3 weeks I saw a specialist and 3 weeks later was on the operating table having it removed. Had my check up 3 weeks ago and signed off, all done and no payment.
Better still, for me but not the other half is the need for 2 crowns. Last year I had a tooth removed and was offered an implant but even with some mutuelle cover it was going to cost 700 euros.
We were given an estimate for other half crowns of 1400 euros and we thought it would be a no no with our mutuelle
What a surprise to be told that after the carte Vitale contribution the mutuelle would pay the rest, all 1100 euros!
Why?
Our friend Macron changed the treatment numbers and now our mutuelle has to cover the lot.
This means we will be well on the way to claiming back almost all the mutuelle premium we have paid this year.
No one knows what might be around the next corner and when confronted with whatever it might be then added stress of a financial hit is just not worth it.
Insurance is a fact of life.
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as the current bout of of innondations attests…
How are you in Charente, Graham? I hope you are on highish ground.
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Hi Véro and thanks for your concern.
We are in a very good position where we are between Chasseneuil and Roumazières on the N141. Our LD is sat quite high above la Bonnieure and there is a significant slope down to the flood plain which we can see through the trees at the bottom of our land beyond the (now disused) railway so we are quite safe. There is a lot of standing water in the fields nearby and the Bonnieure is a raging torrent but it seems we chose the plot wisely 
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