Healthcare and Brexit – now is the time to act

On 31 January 2020 the United Kingdom will leave the European Union, entering the formal transition phase. For UK citizens living in France and the other 27 EU states, this decision has fundamental implications for health care and many other issues affecting daily life.

It is a legal requirement for all foreigners and long-term visitors in France to have access to healthcare cover.  Britain’s exit from the EU brings this firmly into focus and if you currently have no complementary healthcare cover (e.g. “Top-Up” insurance) now is the time to consider this. Obviously, the situation depends on your individual status – retired, working, self-employed.

The current situation pre-Brexit

UK citizens are protected by healthcare agreements in all the 28 member states. This ends on 31 January 2020.

Health care cover during the transition phase ending 31 December 2020

The British Embassy in Paris is to publish detailed guidance in January. This will advise what steps British citizens need to take for living in France after the transition phase ends. However, it is clear that all British nationals living in France will need to make arrangements for their healthcare cover, especially as proof of healthcare is a key requirement when applying for residency (Carte de Sejour).

What are the options?

If you are working or self-employed in France, you pay regular cotisations towards the cost of your healthcare. Because the state only guarantees a proportion of the cost, you should have separate Top-Up health insurance.

For retired persons and cross-border workers with an S1 form, as well as early retirees, once the EU Withdrawal Agreement is ratified by all states including the UK, your access to healthcare is protected for the time being. The situation post transition phase should become clearer over the course of the year.

If you are currently not in the French system and do not have a Carte Vitale – perhaps you have recently moved or have lived in France for less than 3 months – then private health care insurance is an option. This could be for a short-term or the long-term solution.

Please contact us if you wish to discuss the various options further.

AXA Marthon is an authorised AXA representative based in Marthon in the Poitou-Charentes, covering all parts of France. We provide a professional service to 1,500 English speaking clients in the Charente and Dordogne. We have access to the best insurance and financial services deals in France with bi-lingual, English speaking friendly staff.

Phone us on +33 (0)5 45 70 43 76 or visit our website https://www.insurancefrance.fr/

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