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Health
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 19/03/2008, 12:46
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Celestine
Joined on 08/01/2008
Posts 65
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My friends have been here for 3 1/2 years so their E106 ran out some time ago. When they tried to apply for their carte vitale they were told to wait until they registered their gite and got a siret number. This they have done and gone back to get their carte vitale but with the new rules they have been refused. The gite is classed as inactif even tho they pay tax on it. They have been quoted 4500 for private 70% health cover for 2 adults, 2 children - which they cant afford. If they dont get the private cover, is this classed as illegal? Would they still get treated if they had to go into hospital? Why is a gite with a siret number classed as inactif? They have been steered in the direction of Gamex (sp?) now - fingers crossed they get some answers!
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19/03/2008, 12:50
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cooperlola
 
Joined on 05/05/2006
72 - Sarthe - home of les 24 heures du Mans
Posts 6,438
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Did they try to get into CMU, or the regime under which their business is registered? If the former, then this could be their problem.
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19/03/2008, 15:50
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Celestine
Joined on 08/01/2008
Posts 65
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Oh I dont know. I know they kept going to CPAM, they tried 2 separate offices without success. What would you suggest they do please?
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19/03/2008, 18:36
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cooperlola
Joined on 05/05/2006
72 - Sarthe - home of les 24 heures du Mans
Posts 6,438
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I'm sorry to say that my knowlege of what happens for those with legitimate registered businesses is very limited (as most of the work we've done to date has been with those who are inactive). To my mind, if the business has a Siret number, then the owner is paying cotis into some sort of employment based scheme (one or two whose names I've heard bandied about are RAMS and CAMONS) but this seems to vary. It depends, I think, upon whom they pay the cotisations to - but to my mind this is not CMU if they are employed (as I believe gite owners with full business registration are). But a gite owner could respond better. Maybe ask again on the gite sub forum? I'd certainly like to know myself as for early-retired newcomers, busines registration is going to be one of the few ways to get health cover now.
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20/03/2008, 9:12
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Celestine
Joined on 08/01/2008
Posts 65
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OK, thanks very much for your help. I shall pass this info on and they can post on the gite sub forum to follow up.
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20/03/2008, 9:20
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Panda
Joined on 29/01/2008
Charente (16) and Vienne (86) Heading For Seez (73
Posts 391
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Hi
This has been discussed in detail before, your friends have probably not set up the gite business as their main income, just a side line. You still get a siret but it's classed as non-professional. They would know if they were paying into the health system as they would have received bills from RAM and URSSAF or the like and would be paying a minimum of 3.5k in cotisations. The good news is that someone on the forum reported that the new scheme of only paying a percentage of income has started now so charges may be lower for them.
They should consider though how much the gite business brings in, if not much then they might be better off to take private health cover until they been resident for 5 years when they would be eligible for CMU entry, which from what you say shouldn't be too long. If they register the gite business now they will always be paying charges on it, with the private cover at least there is a short term end point.
They need to seek some professional advice, I think they should see an accountant, it would be money well spent.
Panda
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20/03/2008, 9:34
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Celestine
Joined on 08/01/2008
Posts 65
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Thanks very much for your help too. Ive just emailed this info to them. I know they havent paid any cotisations and that the gite doesnt earn huge amounts of money so the private insurance route is probably the best way for now. Thanks again!
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20/03/2008, 10:08
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cooperlola
Joined on 05/05/2006
72 - Sarthe - home of les 24 heures du Mans
Posts 6,438
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I knew somebody would know about this!
The case is interesting though, as you say when their E106s ran out that they "were told" to wait until they had a siret number. If the gite wasn't a full business with attached cotis, then they were given seriously duff adivice, as they should have joined CMU and paid into that. If they had done so, under the health minister's recent statement, they should have been allowed to stay in the system. Do they have any written evidence that this was what they were told? In their shoes, I would take proof of residence since they moved along to their CPAM and at least have a go at getting into CMU on the grounds that they were here last November. The snag is of course, that they were not legally resident as they had no health cover! But if the CPAM told them not to bother, and they have proof that this was the case, then I think they should try to blag their way in.
Private insurance is fine and dandy in theory, but they must remember that their policy MUST cover all the things outlined HERE - and policies which truly conform to the law are very expensive. Not only that, but if the applicant has any kind of long term or chronic condition - no matter how cheap it may be to treat day-to-day - no insurance company will cover them for that and any policy they take out will be, ipso facto, illegal. With an illegal insurance cover, they will not be able to qualify for CMU under the five year residency rule either.
So they need to take very great care when coming to a decision - yes, paying cotis may be pricey in the short term, but it could turn out to be a better option, as - even if the business folds at some time in the future - they will get residual health cover from a business related state health scheme - which could help them get to the 5 year mark more easily, and legally.
It's a minefield, and they need to do a bit of careful research, before making a final decision, imo.
For more information on the insurance requirements and some of the pitfalls, see:
http://www.frenchhealthissues.eu/insurance/insurance_1.htm
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France Forum » Living » Health » Re: No health cover
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