On 1st January 2016, a new social system has come into play in France
to replace the CPAM , known as PUMA (protection
Universelle Maladie )
Your personal health cover is also very
important and I will help you understand the social security system
(PUMA) in France, write letters on your behalf or make phone calls
and apply for your ‘Carte Vitale.’ I also work in collaboration
with Top up health insurers if you wish to obtain complementary health
Carte Vitale is
the national insurance card issued to anyone eligible aged 16 and
It gives evidence that you have the right
to French health insurance.
It contains all the necessary information
for your doctor, pharmacy or health provider to refund your care directly.
The Carte Vitale should be handed over
at every health appointment (doctor, clinic, hospital, pharmacy) that
is equipped with a computer able to read it. The patient will generally
receive reimbursement (the amount reimbursed will be in relation to
your situation) for treatment or medicines directly into their bank
account within five days.
If you have a complementary top up insurance,
you will generally receive the total reimbursement due directly via
your top up health insurer.
A Carte Vitale has to be updated regularily
(mise à jour) by inserting it into the special machine at your
local town hall of pharmacy.
person without a Carte Vitale eligible for state health insurance
will receive a feuille de soins (a brown receipt form) from the doctor,
pharmacist or hospital staff. This is recognised by PUMA
as a legitimate medical payment. It should be posted to PUMA
for reimbursement after completion of the relevant details by yourself
and your doctor.
The procedure to obtain your carte vitale
can be complicated and which administration to apply to depends upon
your personal and professional situation in France. It is vital that
all forms are completed correctly otherwise it can take a very long
time to receive your carte vitale.