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Healthcare in France: a beginner’s guide

Félicitations! You’ve chosen a life in France – or perhaps life in France has chosen you. Either way, there’s plenty to learn about life in the land of baguettes, cheese and fine wine.

Healthcare in France: a beginner’s guide
Photo: gioiak2/Depositphotos
And at the top of any new expat’s list is sorting out healthcare in their adopted country. Figuring out who to call for what – especially in a foreign language – can take longer than expected.
 
To help get you started, we’ve put together a quick introduction guide to some of the basics to think about when trying to navigate healthcare in France.
 
Finding a doctor
 
Finding a doctor in France when you’ve first arrived can be a bit tricky – given that doctors aren’t allowed to advertise. Most do, however, list their services in the online yellow pages (Pages Jaunes). In the keyword field on the left (“Quoi, Qui”), enter “médécin” and then enter your location in the field on the right.
 
Of course, it’s very hard to know from the yellow pages if a doctor speaks English. So another option is to stroll into a local pharmacy and ask for recommendations (most will be staffed with someone who understands basic English). Friends, colleagues, and neighbours can also provide guidance, and some embassies also publish lists of English-speaking doctors.
 
Most doctors in France practice on their own, or in small groups of practitioners. It doesn’t usually take very long to book an appointment – but keep in mind that fees are normally paid upfront and many doctors don’t accept credit cards.
 
To participate in the French state healthcare system, residents are required to register with a general practitioner, or médecin traitant – who then becomes your first port of call for medical matters.
 
However, participating in a private health insurance programme like Cigna Global gives you added flexibility to choose whatever doctor you want at no extra cost.
 
Emergency care
 
It’s usually best to go straight to the nearest hospital in an emergency (look for les urgences). Most towns have a Hôpital or Centre hospitalier where emergency care is available. In larger cities, you may find a regional hospitals (centre hospitalier regional – CHR) or university hospitals (centre hospitalier universitaire – CHU).
 
Urgent emergency care is run centrally by a public health body known SAMU (Service d’Aide Médicale Urgente), which operates under the philosophy of giving a high-level of care at the scene of the emergency. You can call SAMU by dialing 15.
 
Each Département runs its own emergency care services, which range from private medical transport services to full-blown mobile intensive care units (Service Mobile d’Urgence et de Réanimation – SMUR).
 
If you need to call for an ambulance or on-site help, you can always use 112, the pan-European emergency number. Other options include 15 for SAMU, 17 for the police, or 18 for the fire brigade.
 
Operators may speak English, but there is no guarantee. SAMU is staffed with qualified doctors who are trained to determine the best response, including whether it’s serious enough to send a SMUR unit.
 
In a few regions of France there is also a new 24-hour GP hotline being tested.
 
Specialist care
 
In general, your French general practitioner (médecin traitant) is able to refer you to a specialist if you need particular treatment. Getting a referral allows you to be reimbursed for up to 70 percent of the associated costs according to the French health insurance scheme. Of course if you have a private health insurance plan like Cigna Global, you may be able to go straight to a specialist covered under your plan.
 
You don’t need a referral for visits to a paediatrician, gynaecologist, psychiatrist or ophthalmologist.
 
Either way, your médecin traitant will keep track of your medical records and help manage any additional treatments.
 
 
Pharmacies
 
In France, both over-the- counter and non-prescription drugs are sold in shops known as pharmacie – identified by an iconic green cross. They feature highly-trained staff, many of whom may have a passable command of English. They are knowledgeable and friendly, and can be a good place to start if you have questions about different conditions and treatments.
 
When buying prescription medication at a pharmacy, you’ll receive a brown form known as feuille de soin that needs to be filled out by both you and the pharmacist. There is also a small sticker (a vignette) that must be peeled off the box of any medication and placed on the feuille de soin. This is then sent to your health insurance provider for reimbursement.
 
Generally, pharmacies are open from 9:30am to 7:00pm, Monday through Saturday, remaining close on Sundays and bank holidays (and during lunch). However, there is always a local pharmacie de garde that provides off-hours services.
 
Paying for it (insurance)
 
Generally speaking, choosing a médecin traitant is key to getting reimbursed through the French healthcare system. Doing things correctly means you can receive reimbursement of up to 70 percent of your medical expenses (compared to only up to 30 percent otherwise). While it’s possible to change doctors, there is a degree of administrative hassle involved.
 
Many expats find it’s less stressful to have private health insurance from an international company.
 
Cigna Global specializes in healthcare for foreigners abroad, ensuring you are covered at every level with maximum flexibility. After all, of all the things to worry about when moving abroad, healthcare should not be one of them. Let Cigna Global worry about your health, so you can get to know the local boulangerie instead!
 
 
This article was produced by The Local Client Studio and sponsored by Cigna Global.

READER INSIGHTS

‘We moved here for the healthcare’: How foreigners view France’s social model

As France mulls cuts to some services to reduce the country’s deficit, readers reveal their experiences of health and social care here.

'We moved here for the healthcare': How foreigners view France's social model

From free taxi rides for patients to state grants for holidays and concert tickets, via a robust system of benefits and healthcare, the French social model – funded by taxes – has long been renowned as a generous one.

But finance minister Bruno Le Maire has indicated that some services will need to be cut as the French deficit is high and steadily rising.

So we asked our readers – is France’s social model really too generous? Or does it serve the people who live here well, in exchange for their hefty tax contributions?

Healthcare

We started off by asking people about their experiences of French healthcare, and whether they believe any changes should be made.

Overall, people were very positive about the French health system with most saying they had had good experiences and several people expressing gratitude for French medics who had saved their lives.

Pamela, from Bayeux, wrote that French benefits and healthcare services are, “Excellent”. “I pay a lot of tax and cotistations,” she wrote, “I feel like I get a fair return on this.”

Liz Barclay, who lives in Aveyron, wrote that an American friend’s six-day hospital stay and surgery following a heart attack cost around €11,000 in France compared to around $250,000 in USA. The care the friend received was ‘highly praised’ by an American cardiologist, she wrote.

She added that, “Regular doctor visits at €25 or even €30 seem very cheap.”

In fact, the general consensus among the responses is that care and services are mostly excellent – Alphonse Thompson went so far as to say it was: “Excellent, humane and a model for the Anglophone world”.

And Eric Stillwell, from Lot, said: “We moved here for the healthcare and believe it should be the model for more countries.”

D Packman, in Paris, wrote about the “Quality services, reasonable costs” of social and healthcare services in France.

READ ALSO How to get a carte vitale in France and why you need one

American Amy Freeman said: “I have used the system three or four times. I love the ease of making appointments and the bills were very low. I have never abused the system or asked for more than I needed. Probably because I am American and am terrified of getting a massive bill. I can’t seem to shake that mentality no matter where I live.”

Social benefits

France’s social benefits are also potentially in line for cuts, especially unemployment benefits, so we asked our readers who had used those services what they thought.

A Var reader pointed out: “[U]nemployment benefits are not unreasonably generous and only available if sufficient working contributions prior to losing a job.”

Richard Romain, who lives in Aude, described the French model as, “socially inclusive and allows people to get into employment”.

He added: “My employer received a grant over five years for employing me as I am disabled. I also got 100 percent grant for adapting my place of work.”

And Andy Parsons, who has lived in Calvados since 2007, said the system was: “Easy and generous. As a full time carer for a three children, one of whom has disabilities, the allowances were generous and the tax breaks enormous.”

But not everyone agreed. Aditya Das, who moved to Lyon from India, was one of a few respondents who felt France’s social model was ‘too generous’. Das argued that “some undeserving people” benefit from a combination of state aid that keeps, “able bodied people from working”.

And A McKnight, from Argenteuil, wrote: “Every area of benefits goes too far – there need to be clear conditions and termination points set in place.”

Carol Schoen, who lives in Strasbourg, argued unemployment payments were too high: “There is too much abuse and not much incentive to get a job … [and] child allowances are too generous and don’t always benefit the children.”

And Ceinwen Reeves Izzard, from Dordogne, said that the model may be weighted against some, pointing out the, “[l]ack of generosity in sick pay for self-employed people who are too ill to work when others get spa treatments on prescriptions”.

Cuts

And finally the million euro question – is there anything that is too generous and should be cut?

While some argued that unemployment benefits are too generous and don’t incentivize work, others looked for savings amid healthcare. 

Reimbursed taxi costs for certain appointments, prescriptions for spa treatments and over-medication were causes for concern.

READ ALSO How to get free transport to medical appointments in France

Most people, however, advocated limiting or means-testing certain services, rather than axing them altogether.

“France could certainly eliminate free taxi rides to appointments for people who can drive themselves or can easily find a ride,” wrote Barclay, an view echoed by Pamela, who added: “It’s more the abuse that bothers me than the existence of the service. I see a lot of Britons living here taking the mickey with it.”

Several readers – especially those living in rural areas – told us they had used the taxi service to travel to vital medical appointments including cancer treatments. 

Several people also flagged up waste when it comes to medication, or just general over-prescribing (and it’s true that the French are among the most highly medicated nations in the world).

Robert Hodge, living in the Vendée, said: “The amount of medication issued by pharmacies needs to be limited to that which is actually prescribed. Two pills a day for six days should be 12 pills and not 20 just because they come in boxes of 10.”

Ceinwen Reeves Izzard added: “They are overly keen to prescribe MRIs, I have had multiple. They oversubscribe medication. I have lots of morphine locked in a safe because the pharmacy wouldn’t take it back.”

Matthew Davison agreed, adding: “The big one is medication. My doctor might prescribe 3 pills a day for 5 days, but the pharmacy will give me the double because that’s the amount in one box. This creates so much waste. I have a cardboard box filled with leftover medicine I didn’t need.”

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