With the UK politics changing on a daily, nay hourly, basis, most of us are thinking ‘Brexit’ related thoughts, and worrying about Brexit related problems, even if we don’t particularly want to! I know from speaking to many people that medical cover is a major concern for lots of readers and members, so I thought it might be helpful to outline the current situation.
So what is going to happen to your medical cover after Brexit?
There are actually two different scenarios:
If you are already in France and affiliated to the French social security system (sécu) then nothing changes. Just like any other nationality such as Americans or South Africans, once you have accessed the system, you will be able to remain within it, unless of course, something in your personal situation changes and this affects your right to residency. If your circumstances don’t change you will retain your rights.
However, if you currently access the system free of charge thanks to the S1, things might change as affiliation to the sécu will then come at a cost; this is based on income but, if your income is low it won’t change as you will not be charged. For the self employed nothing changes as this group are already paying into the system.
For everyone else, things get a little more complicated! You will now be considered a foreign ‘non EU’ expat which means that you’ll need to have a carte de séjour (or equivalent) to stay in France. This means that you will need to have private medical insurance in place. These tend to be very expensive and ‘cherry on the cake’ British underwritten insurance policies will no longer be accepted, which means that you will have to opt for an expensive French full medical insurance policy. Most of these policies require subscribers to commit for a full calendar year. However, SF’s resident insurance guru @fabien has yet again, saved the day and can offer a policy which can be terminated as soon as you are accepted into the French system.
If you have any concerns, need to arrange health insurance or just feel that you could probably get a better deal with better cover than you currently have, don’t hesitate to get in touch with Fabien who will be able to help.