Medical cover outside of EU

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SP1DER
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Re: Medical cover outside of EU

Post by SP1DER » Wed Jul 10, 2019 7:45 pm

The key text is:

À noter : il s'agit d'une possibilité, pas d'une obligation.

and:

Attention ! Dans certains pays (États-Unis, Canada, pays d'Asie...), les frais médicaux coûtent très cher. Il est donc recommandé de souscrire un contrat d'assistance ou d'assurance.

Think I will stick with my annual travel insurance for peace of mind. I would however like to hear from anyone who has made a successful (or otherwise) claim.

elsie
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Re: Medical cover outside of EU

Post by elsie » Wed Jul 10, 2019 8:02 pm

You missed
En cas de refus : aucune contestation n'est possible.

Le Démerdeur
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Re: Medical cover outside of EU

Post by Le Démerdeur » Wed Jul 10, 2019 9:10 pm

Just waffle and hot air and would not stand up, what interests me is why they have to be so evasive.

Do some Google fr'ing about Les Isles Comores, polémique remboursement assurance maladie if you want to hear from someone who has had their frais remboursed, I think it might have been Marseilles or another large city on the coast.

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Re: Medical cover outside of EU

Post by elsie » Thu Jul 11, 2019 9:40 am

Le Démerdeur wrote:
Wed Jul 10, 2019 9:10 pm
Just waffle and hot air and would not stand up, what interests me is why they have to be so evasive.

Do some Google fr'ing about Les Isles Comores, polémique remboursement assurance maladie if you want to hear from someone who has had their frais remboursed, I think it might have been Marseilles or another large city on the coast.
I tried and didn't find anything specific. Can you provide a reference rather than something anecdotal?

The references I found to Comores and Marseilles seemed mainly to do with the population from Mayotte (département d'outre-mer, DOM) and the neighbouring Comores island in Marseilles. I suspect any references to medical assistance may be due to that situation and treatment of Comorians/Mahhorais in France.
e.g. from https://blogs.mediapart.fr/robert-chaud ... es-comores (translated into English):
Nobody, of course, is able to indicate precisely the number of Comorians in Marseilles, even less since Mayotte became an overseas department in 2011. The most recent and reasonable estimate number of 120,000, which is most uncertain given the difficulty of distinguishing a Comorian (a foreigner) from a Mahorais (now French). In any case, Marseille is home to many more Comorians (at least double) than Moroni which is the most populous city in the Comoros archipelago, with 50,000 inhabitants. We are all the more incapable of accurately estimating the number of this population, since it is partly underground and we are thus reduced to very cursory evaluations. However, this population tends to regroup in certain parts of the city. To take the case of one of the most famous Comorian neighborhoods, the city "Les Rosiers", in the fourteenth district, according to one of its inhabitants, Kassim Oumouri, "there are 60% Mahorais, 20% of Comorians and 15% of North Africans.

from France Diplomatie > Accueil > Conseils aux Voyageurs > Conseils par pays/destination > Comores https://www.diplomatie.gouv.fr/fr/conse ... res/#sante
Frais d’hospitalisation et dépenses de santé
Afin de faire face aux frais d’hospitalisation et aux dépenses de santé parfois très élevés à l’étranger, il est vivement recommandé de disposer d’un contrat d’assistance ou d’une assurance permettant de couvrir tous les frais médicaux (chirurgie, hospitalisation, etc.) et de rapatriement sanitaire, au risque de ne pas avoir accès aux soins, y compris en cas d’urgence vitale. Ces frais ne pourront en aucun cas être pris en charge par l’ambassade de France sur place.
Il n’existe pas d’infrastructure opératoire sur place. La seule possibilité de soins est le transfert vers un centre hospitalier spécialisé à La Réunion ou en France.
Il convient également de signaler l’absence de véritables structures hospitalières sur les îles d’Anjouan et de Mohéli.

Examples of problems individuals have had without adequate insurance in the comments in this article: https://www.francais-du-monde.org/2016/ ... sanitaire/

goslow
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Re: Medical cover outside of EU

Post by goslow » Thu Jul 11, 2019 7:55 pm

This year we spent 10 weeks in Australia, we came back with several receipts for doctor's and prescriptions and submitted them to CPAM, all were fully repaid and then as they accepted the receipts Groupama then paid the balance.

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Re: Medical cover outside of EU

Post by Le Démerdeur » Thu Jul 11, 2019 9:31 pm

So if I have understood the CPAM remboursed at the 65% or whatever and the mutuelle paid the rest?

Nice one :good:

The only medication I have is eyedrops to prevent glaucome, I am not going back to the opthalmo every 6 months for an ordonnance, my MT can do one but its not worth the cost of the visit unless I have another reason as it is available sans ordonnance and quite cheap.

I ran out in the UK last week, went to the pharmacy that is now part of the village surgery, no they could not sell it without a prescription but i could pay for an emergency doctor to write one, I could have claimed most of it back in France but was not worth the drama.

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