|
In today’s world, everyone is concerned about their health and medical treatment they can receive.
Whether you are covered by National Health Scheme, self-employed or have no basic benefit, your requirements will vary considerably.
We, at The Eric Blair Network, will do this for you and come up with the most appropriate solution.
1. National Health Scheme (French/Monaco Social Security), mainly for employees.
National Health systems have a chart of fees for each and every medical treatment received whether surgery, doctor’s visits, prescriptions, dental,
optical, etc. They will then reimburse a percentage of this chart, 60%, 70%, 80% or even 100%. Top-up insurance schemes will make up the difference,
but treatment received and charged may exceed the figures allocated in this chart and covering only the difference between the reimbursement made
and the amount of the chart may not be sufficient.
2. Self employed.
The same principles as the employee section above applies, save that the basic system limits its reimbursements mainly to 50% (in France).
3. Without any basic State benefit.
|
Coverage will need to be on a full reimbursement basis, but you may decide to restrict cover to in-patient treatment only, exclude dental, territorial
limits restricted to Europe only or wish to include USA for frequent visits, etc. These schemes usually include an overall annual aggregate limit
and sub-limits for some sections (dental, pregnancy, etc.).
|
|
Specifics for Monaco residents/employees
click here for more information
|
|
IMPORTANT & USEFUL INFORMATION :
|
|
- If you are a French resident and not employed, CMU (Couverture Maladie Universelle : basic State health coverage) is mandatory.
All you need is therefore a top up scheme. The same applies if you are an employee or self-employed.
- Some schemes may exclude chronic conditions. This is precisely the time when you need to be covered.
- Sexually transmitted diseases may be excluded.
- Full coverage may be subject to time delay whereby some conditions may be excluded for a period of time: i.e. pre-existing conditions,
pregnancy, dental, etc.
- If you benefit from State health coverage, the top-up scheme will only reimburse expenses on the condition that the State scheme does first.
- State health schemes may not cover you when travelling, or if they do, only in certain countries and under certain conditions.
Take out travel insurance which should include repatriation.
|
|
|
