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If you're an expat living in France, you'll need to apply for a Carte Vitale, a health insurance card that's mandatory for all residents.
The Carte Vitale is a small, credit-card-sized card that's linked to your health insurance account.
You can apply for a Carte Vitale at your local CPAM (Caisse Primaire d'Assurance Maladie) office, which is usually located in the town hall or a nearby building.
To apply, you'll need to provide some essential documents, including your passport, proof of address, and proof of health insurance.
The application process typically takes a few weeks, and you'll receive your Carte Vitale by mail once it's been processed.
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Utiliser Sa Carte Vitale
Your Carte Vitale is a must-have when it comes to accessing healthcare services in France. It's not a payment card, but rather a way to prove your rights and the level of reimbursement you're entitled to.
Presenting your Carte Vitale to healthcare professionals or medical facilities speeds up the reimbursement process, with an average delay of 4 days after the electronic medical record is transmitted by the healthcare provider. This is a significant improvement over the old system of paper records.
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Using your Carte Vitale also means you're exempt from paying in advance in certain cases, known as the "tiers payant" system. This is a huge relief, especially for those with ongoing medical needs.
Your Carte Vitale is widely accepted across France, including metropolitan France and overseas departments. However, if you're a frontier resident, you can still use your Carte Vitale to access medical services and benefits in certain foreign hospitals that have signed a ZOAST convention.
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Obtenir Une Carte Vitale
You can obtain a Carte Vitale by following these steps. Coller une photo d’identité, joindre la copie d’une pièce d’identité valide, and retourner le dossier complet à l’aide de l’enveloppe fournie.
If you're a child rattaché to two régimes, you'll only receive one Carte Vitale from the principal régime. This is known as double rattachement.
To obtain a Carte Vitale, you'll need to provide a photo of your identity, a copy of a valid identity document, and return the complete dossier in the provided envelope.
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You can obtain a Carte Vitale by mail or online through your espace sécurisé. If you've never had a Carte Vitale before, a formulaire de demande will be sent to you by mail.
To obtain your first Carte Vitale, you'll need to verify the information on the formulaire, sign it, and attach a photo of your identity and a copy of your valid identity document.
Here are the steps to obtain a Carte Vitale:
- Vérifier les informations indiquées et signer (en cas d'erreur, ne pas corriger le formulaire mais contacter la CRPCEN via votre espace sécurisé ou par courrier pour le lui signaler)
- Coller une photo d'identité couleur à l'emplacement prévu
- Joindre la photocopie d'une pièce d'identité en cours de validité avec photo
- Mettre le formulaire et la copie de la carte d’identité dans l’enveloppe pré-remplie (jointe au formulaire) et l’affranchir au tarif en vigueur.
Your Carte Vitale will be delivered to you within 2 to 3 weeks, along with a paper copy of the information it contains.
Régime d'Assurance Maladie
If your personal situation changes, it can affect your insurance status. This might mean switching to a new healthcare regime or changing your affiliated social security office.
You'll need to update your Carte Vitale accordingly. If you have a photo card, keep it safe and follow the instructions from your new regime.
If your card is old and doesn't have a photo, it's your new regime's responsibility to issue a new one.
It's essential to update your Carte Vitale regularly. You should do this at least once a year to avoid any issues with payments.
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Problèmes avec Sa Carte Vitale
If your Carte Vitale isn't working properly, don't worry, there are solutions. You can try updating your card if a professional of healthcare can't read the information, but if that doesn't work, you might need a new card.
In some cases, a professional of healthcare may not be able to read the information on your Carte Vitale, and you'll see an error message. This is usually due to a technical issue, and you'll need to update your card to fix the problem.
If you're having trouble with your Carte Vitale, you can present an attestation of rights instead. This is a temporary solution until you can get a new card. You can download an attestation of rights from your Ameli account.
If your Carte Vitale is lost, stolen, or damaged, you'll need to report it to Ameli right away. This is because your card will be automatically deactivated, and you won't be able to reactivate it.
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Here are the steps to follow if you lose, steal, or damage your Carte Vitale:
- Connect to your Ameli account and go to the "Mes démarches" section.
- Click on "Déclarer la perte ou le vol de votre carte vitale".
- Your card will be immediately deactivated, and you won't be able to use it.
- A new card will be sent to you within 10-15 days.
- In the meantime, you can download an attestation of rights from your Ameli account to use for medical appointments.
It's worth noting that if you find your old card after reporting it lost or stolen, it won't be usable anymore. So, make sure to check your account carefully before requesting a new card.
Remboursement et Droits
Your Carte Vitale is a vital document that proves your rights to a protection scheme and medical coverage. It was created in 1998 and is the national health insurance card.
By presenting your Carte Vitale to your doctor, you enable them to create an electronic treatment record, simplifying the administrative process and reducing the time it takes to get reimbursed. This makes the process faster and more efficient.
The Carte Vitale serves as a proof of your rights to medical coverage, including the duration of your coverage, and it can also help you benefit from the "tiers payant" system. This means that you can get reimbursed for a portion of your medical expenses.
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If you're a beneficiary of the Camieg, your Carte Vitale is the document that proves your rights to both parts of the scheme. You can also print an attestation of your rights from your Ameli account if needed.
In some cases, your Carte Vitale may indicate that you're fully covered for a specific medical condition or pregnancy, which means you won't have to pay any moderation fees. This is indicated on the card itself.
Carte Vitale en Ligne
You can now order your Carte Vitale online directly from your Ameli account. To do so, simply log in to your account and navigate to the "Mes démarches" section.
One of the requirements is to have a photo of your identity card and a scanned copy of your identity card.
To order your Carte Vitale online, follow these steps:
- Log in to your Ameli account
- Navigate to the "Mes démarches" section
- Click on "Ma carte Vitale" and then "Commander ma carte Vitale"
- Upload a photo of your identity card and a scanned copy of your identity card
- Review and validate your order
After you've completed these steps, your Carte Vitale order will be processed.
Carte Vitale pour Expats
If you're a European expat living in France, you're in luck - your European Health Insurance Card (EHIC) will cover you the same way a Carte Vitale would cover a French citizen.
You're eligible to apply for the Carte Vitale if you're staying in France longer than three months or if you become a French resident.
If you're a non-European expat, you may be covered for basic costs already, but after three months you can apply for the Carte Vitale through PUMa, the general umbrella of health insurance within France.
To apply for PUMa, you'll need to have been in the country on a "stable and regular basis" during those three months and stay for at least 183 days per year, and you'll also need to prove you're legally allowed to be living in the country.
Children ages 16 and older can apply for their own card or register themselves on their parent or guardian's card.
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European Expats in France
If you're a European expat living in France, you might be wondering about your healthcare options.
You may already be covered by your European Health Insurance Card (EHIC) if you're staying in France for three months or less.
If you're planning to stay in France longer than three months, you'll need to apply for a Carte Vitale.
As a European expat, you're eligible to apply for a Carte Vitale if you become a French resident.
Non-European Expats in France
If you're a long-stay expat from a country outside of the EU, you may already be covered for basic costs in France. You can apply for the Carte Vitale if you've been living here for more than three months.
You'll need to have been in the country on a "stable and regular basis" during those three months, and stay for at least 183 days per year. You'll also have to prove you're legally allowed to be living in France.
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The application for PUMa (Protection Universelle Maladie) is available on Ameli, France's health insurance website. You'll need to apply for PUMa first, as it's the general umbrella of health insurance within France.
You'll then have to pay contributions to Urssaf (Union de Recouvrement des Cotisations de Sécurité Sociale et D'Allocations Familiales) or have them taken out of your income tax return for PUMA coverage.
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Other Expats in France
If you're a European expat living in France, you're likely already covered by your European Health Insurance Card (EHIC), which will cover you just like a Carte Vitale would.
You can apply for the Carte Vitale if you're staying in France longer than three months or if you become a French resident.
If you're a long-stay expat from outside the EU, you may be covered for basic costs already, depending on where you're from. You can apply for the Carte Vitale after three months, but first, you need to apply for PUMa, the general umbrella of health insurance within France.
To apply for PUMA, you'll need to prove you've been living in the country on a "stable and regular basis" for three months and stay for at least 183 days per year. You'll also need to show you're legally allowed to live in France.
Children ages 16 and older can apply for their own card or register themselves on their parent or guardian's card.
Frequently Asked Questions
Can I see a doctor in France without a carte vitale?
Yes, you can see a doctor in France without a Carte Vitale, but you'll need to pay upfront and receive a "feuille de soins" to submit for reimbursement later.
How long does a carte vitale take?
Your Vitale card will be delivered by mail within approximately 2 weeks. Keep the confirmation email for future reference in case of any issues.
Do you have to renew your carte vitale every year?
Yes, foreign nationals must renew their carte vitale annually to maintain healthcare coverage. Renewal can be done at a pharmacy.
Comment avoir la carte Vitale en France ?
Obtenez votre carte Vitale en France en commandant directement dans votre compte Ameli, sous la rubrique 'Mes démarches', pour valider votre immatriculation et vos droits à l'Assurance Maladie
Qui a droit à une carte Vitale en France ?
Toute personne résidant en France de manière stable et régulière a droit à une prise en charge de ses frais de santé, ce qui inclut l'obtention d'une carte Vitale
Sources
- https://www.cprpf.fr/sante/carte-vitale/
- https://www.camieg.fr/espace-assure/remboursements-en-pratique/carte-vitale
- https://en.selectra.info/moving-to-france/health/carte-vitale
- https://worldline.com/en/home/main-navigation/resources/resources-hub/customers/gie-sesam-vitale-customer-story
- https://www.crpcen.fr/votre-carte-vitale
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