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HEALTH

EXPLAINED: Why does France have so many pharmacies?

One of the first things newcomers notice about France is the preponderance of pharmacies - instantly recognisable by their illuminated green cross signs - in every town, city and even some villages.

EXPLAINED: Why does France have so many pharmacies?
Over-the-counter medicines in pharmacies. Photo: Guillaume Sauvant/AFP

They are one of the things that make the French high street distinctive – the regular illuminated green cross of the pharmacy which helpfully also displays the time, date and temperature, but how does the economy sustain so many of these businesses?

How many?

Although pharmacies are lot more prevalent in France than many other countries, the French are not the European leaders in this field.

The most recent data on pharmacies shows around 21,000 in mainland France.

But an EU comparison from 2017 shows that France had 33 pharmacies per 100,000 people, a respectable number but not far ahead of the EU average of 29 and miles behind front-runner Greece, which has an astonishing 88 pharmacies for every 100,000 people.

Graphic: OECD

In fact France has fewer pharmacies per head of the population than Greece, Spain, Belgium, Latvia, Estonia, Slovakia, Ireland and Poland. It is however well above the UK (which at the time of the data was still part of the EU) on 21 on Denmark which has just 7 pharmacies for every 100,000 people, which could make for quite long queues.

The places in France with the highest density of pharmacies are Paris and the départements of central France – although that probably relates more to central France’s low population density than an abundance of pharmacies. One third of pharmacies are in places with fewer than 5,000 inhabitants.

Overall the number of pharmacies in France is falling, from 22,514 in 2007 to 21,192 in 2017.

But is there enough business for them all?

Monopoly

One of the main reasons for the popularity of the pharmacy is that they are the only place you can buy certain things, thanks to restrictive French rules on over-the-counter medicines.

While in many countries you can buy headache tablets or paracetamol in a number of places including supermarkets, corner shops and service stations, in France drugs like Ibuprofen can only be bought at a pharmacy.

This is also true for things like cough medicine and cold remedies, so if you have a minor illness you need to head to the pharmacy.

There are also restrictions on ownership which mean that pharmacy chains are not allowed, although parapharmacies – which only offer non-prescription medicines – are often part of a chain.

Hypochondria

As well as selling over-the-counter products, pharmacists also dispense medication prescribed by doctors and here French doctors and their patients keep them busy – a study in 2019 showed that 90 percent of doctors’ appointments result in a prescription and the average prescription is for three or more items.

READ ALSO Why are the French so keen on taking medicine?

The French are among the most medicated populations in Europe and a generous healthcare system means that most prescriptions are reimbursed, so patients are unlikely to hesitate before filling a prescription that their doctors give them.

Pharmacies in France usually also sell a wide variety of homeopathic remedies which are extremely popular, although from 2020 the government has stopped funding these.

Pharmacies have been a key part of Covid testing in France. Photo Guillaume Guay/AFP

Medical access

Another reason that French people love their pharmacies is that they are really useful. Every pharmacy or parapharmacy has at least one trained pharmacist on the premises who as well as dispensing medicines can give medical advice on a range of ailments.

They are particularly useful in the growing number of ‘medical deserts’ where there are not enough doctors for the local population and also open in the evenings and at weekends. Pharmacies in small towns or city neighbourhoods often have a rota so that at least one is open on a Sunday.

They also offer a number of extremely useful services such as dispensing the winter flu vaccine and – from March 15th – the Covid vaccine, while if you have been mushroom picking, you can take your haul to the local pharmacy to check that you haven’t picked anything poisonous. 

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PROPERTY

How to ensure your French property is insured for storm damage

Storm Ciaran’s property-wrecking passage through France - with another storm forecast for the weekend - may have many people wondering how comprehensive their insurance cover is. 

How to ensure your French property is insured for storm damage

In the wake of Storm Ciaran, thousands of property owners in France are preparing insurance claims – with initial estimates of the bill for damage between €370 million and €480 million.

Home insurance is compulsory in France, whether you own the property you live in or you rent – and it must include some level of storm damage cover. 

Check also to see if your insurance provides cover in case of a declaration of a catastrophe naturelle.

The garantie tempête (storm guarantee) covers damage caused by violent winds. What constitutes a ‘violent wind’ varies from contract to contract, but there appears to be a widespread consensus of agreement on wind speeds over 100km/h.

In most insurance contracts, this covers damage caused by the storm and within the following 48 hours – so you’re covered if, for example, a tree weakened by the storm comes down within that period and damages your property.

Be aware that, while the storm guarantee automatically covers the main property, it generally only covers any secondary buildings and light constructions – such as a veranda, shed, solar panels, swimming pool or fence – if they are specifically mentioned in the contract. 

The same is true of any cars damaged by debris. A basic insurance contract might not include storm damage, so it is always worth checking.

Damage must be reported to your insurer as quickly as possible. The deadline for making declarations is usually five days after any damage is noticed. This is especially important for second home owners, who may not be at the property when the damage occurs. 

In some cases – such as in the aftermath of Storm Ciaran – insurers may extend the reporting period. But under normal circumstances, it’s five days after the damage has been discovered.

What happens next

To make a claim, the first thing to do is contact your insurer by phone or email. Your insurer will take you through the next steps, but usually you have to send in a declaration – which should include an estimate of any losses and for any repairs, with evidence where possible, such as photographs and any receipts for purchases. 

Your insurer may also request proof of wind intensity, which can be provided for example by a nearby weather station.

The insurance company may appoint an expert to come and assess the damage, so make sure to keep damaged property safe until they arrive, as well as all invoices for any urgent repair work. 

What if you’re a tenant?

If you rent your property, you must report any damage inside the accommodation to your insurer and also notify your landlord so that they can file their own claim. 

In the case of a co-propriete, you must declare damage inside the accommodation to your insurer, while the trustee sends his own declaration to the collective insurance (which sometimes covers the private areas) .

How long does it take for claims to be settled?

Payment of the compensation provided for by the “storm guarantee” depends your home insurance contract. After the insurer has estimated the amount of damage, compensation is generally paid between 10 and 30 days following receipt of the insured’s agreement.

What if we got flooded?

In the case of flooding, you may have to wait for a natural disaster order to be issued. 

Catastrophe naturelle

The ‘state of natural disaster’ is a special procedure that was set up in 1982 so victims of exceptional natural events, such as storms, heavy rain, mudslides and flooding, as well as drought, can be adequately compensated for damage to property.

The government evaluates each area and deems whether it qualifies for the status of catastrophe naturelle (natural disaster). 

Essentially once a zone is declared a natural disaster, victims can claim from a pot of funds created by all insurers. If the zone is not declared a disaster, insurance companies are under no obligation to pay out. 

Under a “state of natural disaster” residents are covered for all those goods and property that are directly damaged by the phenomenon, in this case storms.

It applies to residential or commercial buildings, furniture, vehicles and work equipment that are already covered by insurance policies.

Homes must be already covered by a multi-risk insurance policy for the status of natural disaster to count.

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