How do mutuelles work and what about payment from UK?

I think I am not alone in being confused about health charges and their payment in France.
As an example (me); have had carte vitale 8 years, full time resident France, retired, with UK State Pension.
I have a mutuelle in case I need serious hospital attention. I went for the basic low-level cover, understanding that teeth and optical cover might well be not worthwhile.
Of course, I understand everyone might want different cover; I would be pleased if someone could answer:

If I contracted some problem / injury that needed serious attention in hospital, then how much might I be asked to pay? How much would the mutuelle cover? Doesn’t the UK health system contribute?

I realise that a perfect answer is not possible, it is guidance I am looking for.

The UK funds your health costs IF you have an S1. It pays the exact equivalent of what the French health system would reimburse in the same circumstances if you didn’t have an S1 and so your costs were funded by France. In most cases this is around 70% of the total cost of treatment.

If you’re retired with a UK state pension then presumably you do have an S1. That being the case, the answer to the above question would be Yes, the UK pays the reimbursable part of you healthcare costs.

It depends entirely on what cover you chose.

Your policy will tell you exactly what it covers, but if you went for low-level cover, you would expect to be asked to pay more than if you’d gone for a bells and whistles policy with higher monthly premiums.

Hope this helps.

1 Like

Some useful information here @lebeuil