We have wondered whether our Aviva Mutuelle is worth the money. I justify it for the following reasons:
Phil has had cancer and is diabetic, so most of his treatment is covered 100% and the Mutuelle just pays for foot cream. However I have no on-going treatments. If one of us fell down the stairs and broke a hip (which became quite a high risk as Phil demolished the balcony last week) then 80% of the scale charges would be paid by the state, with the Mutuelle funding the rest. Recovering in the local convalescent home with physio would also be down to the Mutuelle. 20% of a sprained wrist isn’t much to find, but 20% of a hip replacement or treatment for a stroke might be substantial. Also, as UK citizens we are expected to fund ourselves without being a drain on France. So we pay the Mutuelle.
However, when we became UK state pensioners I understood from the local office that our healthcare would now be cross-charged to the UK. I assume that this relates to the 80%: we expect to be treated as French citizens are, and they have to pay the 20% so why shouldn’t we? Does anyone know what the UK pays? If we are still liable for the 20%, the Mutuelle funds it. If the UK pays it, do we need the Mutuelle?