Health Insurance guarantees healthcare coverage and offers compensatory allowances to insured persons who are affiliated with it. It covers several types of risks or situations: illness, accidents at work, maternity, paternity, disability or even death.
What is the role of Health Insurance in France?
She guarantees universal access to rights concerning the disease, that is to say that any person who works or resides in France on a stable and regular basis is entitled to payment of personal health costs and continuously throughout his life. Reimbursements of health costs are established according to a scale sometimes going as far as free care, depending on their situation (long-term illness, pregnancy, etc.).
What is the difference with Social Security?
Social Security and Health Insurance are often confused. This last one is one of the branches of Social Security. Created in 1945, this organization’s mission is to protect each insured person by paying for their care and by offering prevention programs, such as organized screenings for breast, uterine and colorectal cancers, the sophia program to support people with diabetes, etc. Like the other branches of Social Security, Health Insurance is financed by contributions and contributions deducted mainly from salaries (90%). The rest comes mainly from taxes on tobacco and alcohol.
Who can benefit from Health Insurance?
In practice, each person working or residing in France on a stable and regular basis benefits from universal health protection (PUMa) which guarantees him the right to cover his health costs in the event of illness or maternity. Universal health protection thus allows you to remain in your health insurance plan, including in the event of loss of activity or change of personal situation. Any periods of breach of rights are thus avoided. “Persons without professional activity, who do not have rights to health insurance, must apply to the health insurance fund of the general scheme (CPAM, CGSS, CSS) of the department of residence, explains Muriel Angele, expert in the regulation department with the management and organization of health insurance care. Those with a professional activity must submit their request to the health insurance fund of the scheme professional activity (for example the MSA for an employee or farmer, the CPAM for an employee in the private sector). The person applying for reimbursement of their health costs must provide proof showing that they have been residing in France continuously for more than 3 months (example: lease or rental contract)“. The residence stability condition is met without delay in certain situations, in particular for persons who have obtained the status of refugee, people returning to France after international volunteering abroad, family members who join an insured who lives there… “The regularity of the stay for foreigners is justified by the provision of a residence permit or document”specifies Muriel Angele.
Just go to the website ofAmeli. Have a RIB (the one already sent to your health insurance fund) as well as your vital card, then click “Create an account”. Fill in the requested information (surname, social security number, date of birth, postal code, the last digits of your IBAN and those of your Vitale card) then validate the creation of your Ameli account by clicking on the link received by e-mail. This registration is also possible with the Ameli Account application, available on Smartphone via Google Play or App Store.
On the home page of the ameli.fr website, click on “Ameli account“.”By indicating your Social Security number and your password, you will have direct access to the home page of your ameli account: there you will find details of your latest reimbursements as well as many services to facilitate your procedures“, indicates Sophie Martin, expert in the Department of Customer Relationship Optimization, in the management and organization of health insurance care. On the tab “My steps in 2 clicks“, you can obtain different certificates, including your rights certificate.
To call the Health Insurance, dial 3646. This is a free service (price of a local call). It is open from Monday to Friday from 8:30 a.m. to 5:30 p.m.
What is the address to write to the Health Insurance?
The mailing address will be different depending on where you live. To know her, go to the ameli.fr website. On the home page, on the right, click “addresses and contacts” then on “sending a document”. It is also possible to contact the Health Insurance by email. Go to your Ameli Account, click on “My steps”. A window opens in which you will find “Consult my space for exchanges”, in which you can send an email to your CPAM (primary health insurance fund).
Go to your Ameli account, and click on the “My steps“.”In this space it is possible to download then print your rights certificate but also your certificate of payment of daily allowances, to request reimbursement of personal transport, to declare the loss or theft of your Vitale card and to order a new one“, specifies Sophie Martin.
In this same space “My steps”, you can make the application for a European Health Insurance Card (EHIC). “She will be you sent to your home within ten daysand will be available in dematerialized version directly in your Ameli account”adds Sophie Matin.
Thanks to Muriel Angele, expert in the regulation department and Sophie Martin, expert in the Customer Relationship Optimization Department, with the management and organization of health insurance care.