French Social Security offers effective and automatic attention to its attention in France. But what happens when you pass the border? Depending on the purpose of his trip and his destiny, Social Security abroad can take part in his care … or not at all!
Social Security and Vacation
Social Security for Vacation in the European Union
If you decide to go to a Greek beach, spend a few days to discover Barcelona or any other vacation in a European Union country, the European economic area or Switzerland, European agreements can cover it in case of illness or accident. Before leaving, you will have to get the European Health Insurance Card (CEAM), which you can ask for free online. The procedure takes a fortnight, so remember to plan this approach before your departure.
This card allows each European citizen to benefit from the management of medical costs on the site, according to the local social security system. This means that in case of attention, the attention will be the same as that of a citizen of the country. Therefore, this is not necessarily synonymous with direct or total management. It is possible, depending on the type of attention and current legislation, which had to pay part of the costs, or even all. In the last case, you will have to make the local or French Social Security request on your return. Then it will be necessary to maintain all medical documents in their possession (attention sheets, invoices) and support them from the S3125 form “attention received abroad”.
Even if the CEAM can be very useful, it will not cover it optimally in case of attention within the EU. In fact, it is reimbursed only based on the social security rate, which can be insufficient in countries where medical costs are more expensive than in France. Therefore, it will depend on you to pay the remaining amount, which can be very high in certain countries. In addition, Ceam will often require that you have long and tedious steps to get your reimbursements, an activity that certainly will not be your favorite when you return on vacation!
In all cases, the European health insurance card will not cover its repatriation costs, in case of severe health concern that requires its immediate return to France. To go on vacation to Europe with a quiet spirit, we recommend the subscription of travel insurance. In addition to covering its medical expenses, 100% of the real costs of the first euro spent, a travel insurance contract will cover very useful assistance guarantees, such as repatriation.
Social security for vacation in the rest of the world
If you travel to a country outside the European area, Social Security can decide to cover some of its medical expenses, but it is not an obligation.
On the Ameli.fr site, it is clearly indicated:
“In view of the support documents, the advice of the doctor’s medical service on your health insurance fund will appreciate whether or not you were in an emergency situation and, as the case may be, you will grant your attention. Note: This is a possibility, not an obligation.
In case of agreement, the attention is reimbursed on the basis and within the limits of the prices of current French flat rates (and not on the basis of their real expenses).
In case of rejection: there is no possible dispute. »
As you can see, it is better to leave with a quiet mind and get travel insurance, which will cover its medical costs 100% of the real costs, as well as other guarantees, such as repatriation or civil liability.
Discover our Globe Traveler contract, which ensures your trips worldwide 100% of real costs.
Safety and Social Studies
Social Security for Erasmus studies
If you go to discover another European country for a semester or a year of study as part of the Erasmus program, it is important to be well insured in case of health concern during your stay.
As with any other stay in the European Union, you can get the European Health Insurance Card before its departure, that will allow you to benefit from the coverage in the same way as a place. In the case of medical expenses, it can be assumed directly or make cost costs, depending on current legislation in the country. Then it is up to you to send your medical documents and your form to obtain a refund.
In addition to long and complicated procedures to obtain a reimbursement, the European Health Insurance Card will not support repatriation or civil liability guarantees, however, it is important in case of great failure abroad.
The solution to understand their Erasmus studies is to eliminate students’ health insurance for students, which will cover their health costs of the first euro spent and propose a simplified reimbursement request procedure.
Social Security for Outside Europe
Are you going to discover life on a campus in the United States or in Australia? French Social Security will not cover it if he is going to study outside the European UnionTherefore, it is essential to obtain private health insurance that will take care of your care in case of illness or accident on the site.
Our Globe Partner contract was specially designed for students, with an unbeatable quality/price ratio and guarantees adapted to their needs. In addition to taking care of their medical expenses and hospitalizations, as well as repatriation and civil liability assistance, Globe Partner offers guarantees dedicated to students, such as support in case of breakage of objects confident during the internship or the interruption of studies.
Social Security for Quebec studies
If you are going to study in the province of Belle, it is possible that it can benefit from the Protocol of Franco-Qubecers agreement between French Social Security and RAMQ (Quebec Health Insurance Regime) and, therefore, be secured in the same way as a broken.
To find out if you can benefit from this agreement, see this link.
Social Security and Expatriation
Social Security and CFE
In addition to France, Social Security is represented by Caisse des Français de l’etranger (CFE). This organization allows you to maintain your rights in France while benefiting from the international coverage modeled on Social Security. Although it is interesting, this system is not enough because it is based on the prices of the agreement and the reimbursement rates of the French system, which are far from being sufficient in countries where the cost of medicine is high. In addition, the CFE will not cover it for guarantees of repatriation, civil or provident liability. If you want to join the CFE, it is necessary to obtain expatriation insurance that takes place in addition to this organization.
More information about the CFE.
Expatriation insurance in the first euro
If the expatriation insurance system in addition to the CFE seems too complicated, It is possible to dispense with this organization and directly remove expatriation insurance in the first euro. This type of insurance contract will cover it from the first euro spent, according to a previously chosen refund scale.
Social Security and Retirement
Who has not dreamed of returning to the sun? If you plan to live in another country once you finish your working life, you will have to take some steps to be covered in terms of health.
Social Security for retirement in the European Union
If you are going to flow happy days in Portugal or another country in the European Union, you can continue to benefit from your health insurance rights. To do this, you must follow the procedure implemented by its new host country.
Social Security for a retirement outside the European Union
In the event that you plan to approve your retirement beyond the European borders, you must plan the organization of your health insurance on the site.
Many countries (Algeria, Morocco or Canada, among others) have established a bilateral social security agreement with France, which gives you access to local coverage.
For the other destinations, you will necessarily have to find another insurance solution, join yourself in Caisse des Français de l’etranger (CFE) and subscribing to expatriation insurance.
More information about Social Security coverage for retirement abroad.
Leaving France requires observing the issue of taking care of its health costs, because French Social Security will not always be effective beyond our borders.
