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06/09/2007, 13:28 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 7,597 Health Care Insurance Providers EDIT :  PLEASE NOTE THAT NOT ALL THESE PROVIDERS MAY OFFER THE KIND OF COVER YOU NEED - PLEASE ENSURE THAT YOU READ ALL THEIR CONDITIONS CAREFULLY. THIS LIST IS FOR INFORMATION ONLY. I am looking into the various alternatives for those who need full health care insurace.  So far, I have come up with : http://www.exclusivehealthcare.com/File/client/Plan%20Platine%202007.pdf http://www.exclusivehealthcare.com/File/client/Plan%20gateway%202007.pdf Please note that the "Gateway" plan will shortly be extended to cover permanent residents in France - ie it will not just be available to the newly-arrived (as the conditions state at present). http://www.exeterfriendly.co.uk/interplan_euro.htm http://www.bupa-intl.com/asp/products/sanitas/ More to follow.  Anybody know of any French companies who provide full cover, which we can add? VHI (link provided by ams) http://www.vhi.ie/global/index.jsp  Ireland ONLY http://www.php.co.uk/ins_individual_and_family_cover.htm Their agent, Kurt Harper, is very helpful and you can e-mail him here kurt.harper@php.co.uk http://www.medexpat.co.uk/ http://www.goodhealthworldwide.com/expat-insurance.asp http://www.phaexpat.com/ Brokers/Comparison sites There are also a number of insurance brokers who may be able to help, and could be useful in sifting through all the small print. http://www.asttral.com/cadreus.asp (English speaking) Roger White  www.healthcare-france.com Amariz http://www.amariz.co.uk/en/index.shtml  http://www.globalinsurancenet.com/default.asp http://www.angloagence.com/  (English speaking brokers, based in France) Edit by RH - I am making this thread a sticky - to help everyone please try to keep on topic FRENCH PROVIDERS SECARA http://www.secara.fr.:80/ http://tinyurl.com/29smdk GMC https://www.gmcnet.fr/index.php ACS/AMI http://www.acs-ami.com/en/acs/ami_expatfr_zoneb ALLIANZ http://www.allianzworldwidecare.com/EN/IndividualBusiness/Step1/index.php?gclid=CIbivti9644CFQkvlAodzH3MJg Credit Agricole Britline http://www.britline.com/g1/insurance/healthcare_full.asp GERMAN PROVIDER (I am informed that this company is approved by the French government, for French nationals wishing to "opt out" - as they now can) http://www.dkv.com/uebersicht-private-vollversicherung-zusatzversicherung_167.php (German language!) DANISH (Site in English)  http://www.ihi.com/english.asp   Healthcare Issues Site    Report

10/09/2007, 17:20 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 7,597 Re: Health Care Providers I have made enquiries to one or two French companies, plus an agent (who is in fact English, but in a French company) and it is unlikely that any mutuelle will be able to offer the kind of policies the early-retired are likely to need. However, he and a number of UK underwriters, are aware of what is happening and are currently in the process of formulating new syndicates and policies for this eventuality.  He tells me that they are particularly aware of the crisis likely to occur for those with long-term and pre existing conditions and are attempting to help to resolve this.  Whatever, it will be costly, no doubt. I will post on this when there's more news - probably in a week or so. Healthcare Issues Site    Report

10/09/2007, 17:27 ams Joined on 07/08/2007 Posts 398 Re: Health Care Providers I have asked Axa for a quote and to see if they can transfer the soon to be useless mutuelle against the cost.   ams    Report

10/09/2007, 18:16 suein56 Joined on 23/08/2004 Southern Morbihan (56) Posts 2,007 Re: Health Care Providers  ams wrote: I have asked Axa for a quote and to see if they can transfer the soon to be useless mutuelle against the cost. When I spoke to our complémentaire providers I was told that if we had to cancel through no fault of our own ie having to return our cartes vitales to CPAM then we would receive a total refund of any unused portion of the premium, or a transfer to a corresponding private policy (which up until that moment I had no idea they provided). Sue Computing - it's another world    Report

10/09/2007, 20:15 Dominique Joined on 28/02/2006 Lyon Posts 8 Re: Health Care Providers VHI Irish provider     Hi, just to advise that VHI only take Irish residents.   (in case this info is of any use to anybody !) Global from Vhi Healthcare is International Private Health Insurance for Irish residents who are moving, travelling or studying abroad for more than 6 months. Dominique    Report

11/09/2007, 9:48 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 7,597 Re: Health Care Providers VHI Irish provider  Dominique wrote:     Hi, just to advise that VHI only take Irish residents.   (in case this info is of any use to anybody !) Global from Vhi Healthcare is International Private Health Insurance for Irish residents who are moving, travelling or studying abroad for more than 6 months. Dominique I've altered my list to reflect this, thanks. Healthcare Issues Site    Report

24/09/2007, 9:59 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 7,597 Re: Health Care Providers Pacifica (the insurers of Credit Agricole Britline) have indicated that they are likely to be formulating a new full cover policy for those affected. AGF has also indicated that they are willing to discuss full cover. Might I suggest that if you use either of these companies for you mutuelle top-up cover and have an existing ongoing condition, that you contact them first as they may be more helpful to you than any new insurer.  Just a thought. Healthcare Issues Site    Report

24/09/2007, 10:11 cooperlola Joined on 05/05/2006 72 - Sarthe - home of les 24 heures du Mans Posts 7,597 Re: Health Care Providers I have just received the following e-mail from Kurt Harper "I am going to discuss this with a number of insurers and the likelihood of setting up an Umbrella scheme to cover all the expats as a whole through ourselves. This would gain you and the community a number of advantages as we would be able to negotiate premiums as a bulk scheme rather than on individual rates, which are always more expensive. We would of course as an intermediary, not a direct insurer, be able to pass the scheme to market each year as try to gain a cost reduction to members. The other advantage is that rather than been fully medically underwritten we could get better terms to cover dome pre-existing conditions. Just a few questions to get the ball rolling How many expats do you have in the forum? I take the average is quite high? Is the forum specific to a region of France and do you have any links to any others in other areas? I look forward to hearing from you in due course." I thought that the specific mention of those with pre-existing conditions was or could be very helpful.  I will continue to keep in touch with him and keep you up to date. Healthcare Issues Site    Report

24/09/2007, 11:10 rothrugby Joined on 19/09/2007 Champagne Mouton (16) France Posts 89 Re: Health Care Providers Thanks for the info. I represent an organisation in the Poitou-Charente & we are interested in the idea of a bulk scheme. How do we contact Kurt Harper?    Report

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