Charles Bremner in Paris
Download 'Too Hot', an exclusive Specials track from iTunes
Thousands of Britons who have moved to France for early retirement could lose their rights to state health care under a new law that limits benefits to nonworking expatriates.
In a move that has spread alarm in the southern and western regions favoured by the British, the authorities have begun enforcing a 2006 law that bars unemployed EU citizens from joining the French health system.
“A few hundred cases have already been refused,” said Larry Fulton, whose company in the south of France handles private insurance for British expatriates. “We are dealing with about 350 calls a day from people who are worried.”
The new rules were not supposed to affect those who have already entered the French system, but local authorities seem to have latitude to interpret the law. In at least one case, a resident Briton has been asked to return his French health card. Charles Mochan, 59, a former British High Commissioner to Fiji, received a curt letter from his local office in the Pyrénées region telling him that he was no longer entitled to cover. “It was a bit of a shock,” Mr Mochan told The Times.
The Department of Health said that it was not aware of the details of the way that France was implementing its law, passed last year to prevent resident foreigners without means from imposing a burden on the French national health service. Short-term visitors are covered by their home states.
The change most affects Britons and other Europeans who have chosen France for early retirement and have until now been entitled to the basic French cover once their home-based benefits run out. These are covered by E106 forms, which entitle the holder to two years of cover abroad.
Last year Britain issued 6,000 E106 forms to people taking early retirement and heading to other EU states. More than 100,000 Britons are estimated to have retired to France in recent years. The new French rules require foreigners to take out private insurance if they do not have cover through their home state or through contributing at work to the French system. After retirement age, benefits in France are financed by the home country’s national insurance system.
Expatriate groups called for calm. “My message is don’t panic. We shall wait to see what the [British] Government comes up with,” said Alastair Ross, head of the British Association in the Var, the département around the Mediterranean port of Toulon.
“One or two people have run into trouble but at this stage it is not yet a problem.”
Mr Ross voiced understanding for the French position. “An awful lot of British people turn up here with no jobs and no money and think they can just stay on like that.”
There was, he added a “slight hardening of attitudes among elements of the French civil service because of Britons who abused the system here.”
Win a luxury weekend to Newcastle and its neighbour Gateshead, find out more here
Risk, resilience and embracing new technology
Industry sectors news at a glance. Interactive heatmap, video and podcast
Discover the power of collective thinking. Submit a solution and be in with a chance to win a Media Hub Home Entertainment System
The inside track on current trends in the charity, not for profit and social enterprise sectors
Everything the Business Traveller needs to know to make a better trip
Make the most of the summer and enter our fabulous photographic competition, you could win a £5000 holiday
Corsica is an island of beauty and contrast, an ideal holiday destination
Enjoy further reading from Travel to Fashion, Business to Sport, discover more
Shortcuts to help you find sections and articles
The clever way to lease a new car is with Car leasing made simple™
2009
per month on 36-month
Personal Contract Hire (PCH)
2008
42850
Car Insurance
£24,250 - £30,346
MI5
London
£60,000
The Environment Agency
Bristol
Up to £90K
Boots
Midlands
OTE £85k
Credit Protection Association
Nationwide Opportunities
Completely London
Luxury Condo's in Manhattan with NYC views
The best new homes in Wimbledon?
Nationwide
Fabulous Cruise And Cruise & Stay Offers Including Virgin Atlantic Flights Prices Start From Only £699pp!
Last Minute Cruise And Cruise & Stay Offers. Med From £499pp, Caribbean From £699pp!
5 star quality at a 3 star price.
8 fabulous Canadian cities ...you won’t find cheaper
Contact our advertising team for advertising and sponsorship in Times Online, The Times and The Sunday Times, or place your advertisement.
Times Online Services: Dating | Jobs | Property Search | Used Cars | Holidays | Births, Marriages, Deaths | Subscriptions | E-paper
News International associated websites: Globrix Property Search | Property Finder | Milkround
Copyright 2009 Times Newspapers Ltd.
This service is provided on Times Newspapers' standard Terms and Conditions. Please read our Privacy Policy.To inquire about a licence to reproduce material from Times Online, The Times or The Sunday Times, click here.This website is published by a member of the News International Group. News International Limited, 1 Virginia St, London E98 1XY, is the holding company for the News International group and is registered in England No 81701. VAT number GB 243 8054 69.
So long as the treatment of French nationals in the UK is the same as that meted out to UK nationals in France then I'm quite happy to hear it.
When I worked in France I paid for a travel insurance which covered working abroad for two years.
So, is the treatment the same? If not, why not?
J Herd, London, UK
Yes we have got our letter today saying we will have no medical cover from 31 March 2008.
It seems strange that i am fully 'legal' to pay personel tax some 4000 euro and home taxes of some 2500 euro but i can not continue to pay into the health care system.
I suppose i will have to 'return' to England and pay all mt taxes there, and just holiday in France!!
Michael John David, bernadets debat, france / haut pyrenees
what will happen to persons of retirement age 60 and over who live in France and have no address in uk??
dr c.d. perko, shipley, derbyshire
I work in London and live in France. Apparently I am not entitled to an E106 if I "remote work". This is the case even for the sake of sending a single work-related email. At the same time, the government is happy to refuse me child tax credits, but happy to take income tax, NI contributions, and corporation tax from us.
My wife is a french national who has paid into the french system over many years, but on returning with a brit husband and kids, is entitled to zero - no healthcare, help to find work, retrain,etc. But if she had stayed and not worked all her life, or claimed asylum, then things would be fine.
Oh, and yes, London is full of French people working - but I don't regard them as leeches.
Johnny Marr, Montreuil sur Mer, France
I live in South Eats France with my wife and we own the house we live in which we have renovated and also three apartments and a small office which we rent out to French people for our income as we are both under retitement age.
We pay our French Social Contributions and have just received a letter (04/11/07) telling us that we are no longer covered by the French Health System s of March 31st 2008.
We cannot afford the cost of private health insurance and the irony is that when we came to France around five years ago it was illegal to have only a private health insurance and you were forced into joining their health system.
I now have a minor heart problem which was diagnosed about 18 months to two years ago and it may even be impossible for me to get private cover now even if I could afford it.
This may mean that I a in fact being expelled from this country as without 'Comprehensive Health Cover' I and my wife become illegal.
David, Drome
David, Die,
I have just retired to France aged 55. I have a small teacher's pension and the money from my house sale. I now have a French mortgage and this news is devastating. I have paid all my life into the National Insurance and Tax schemes in the UK and consider myself a European. Brits prop up the economies in the rural areas of France. We buy houses to renovate, employ local artisans and spend in local shops. It is short sighted of the French Government to penalise us. If we move out what will happen to these run down areas? Give us what we are entitled to- we have paid, and our Government pay too.
Graydon Paulette, Pouance, France
To Marat from Toulouse - not that many English move to France just for the healthcare - this really is a misconception. Most of us came here because we adore France. And what about the hundreds of thousands of French in the UK with free access to the NHS, whether they work or not? Are you French? If so, many of your compatriots find a job in the UK because there are not enough jobs in France. Your use of the word 'leeches' seems a tad xenophobic. Many of us have paid thousands of euros in taxes and social charges over the years to the French state. Many contribute far more than they take out. Just because you are not salaried doesn't mean you don't pay your social charges and taxes on income including a contribution into CMU. I understand that France is nearly bankrupt and has to cut costs somewhere but instead of denying people access to a health system through contributions the State could ask us to pay more - I would if asked. My kids are even French nationality now.
Penny, Marseillan, France
This is mostly ill-informed hysteria from expat Brits who arrive here with a colonial attitude and expect the benefits of the greatly superior French health system without having to make any contribution. The last few years have seen the arrival of too many of these leeches.
Marat, Toulouse,
David Burton, needs to get himself sorted out. The E111 is for emergency treatment for short term visitors, covered by their home system. If you work in france, then you must pay social security somewhere. Pay into the french system, and you are covered by the french system. Pay into the uk system and you apply for E106 from the uk, that will allow you to get the same benefits as the french. Its just a question of who finally pays.
The problem is that the UK will not give a E106 to people who do not pay UK national insurance, and the french won't cover you if you do not pay into their system.
So much for the EU and mobility of people!
roger tedman, Cros, France
It is wrong to believe you are covered in France by the E106. card. The card only covers emergency treatment , any follow up has to be paid for by you personally. I work in France and so far after one year have not received by Carte Vitale. After an accident at home I have had to have three operations on my wrist, the first was covered as an emergency and the hospital stay was also taken care of. The subsequent interventions had to be paid for as were all the following appointments. The French still ask for the E111 which I understand was replaced by the 106 in January 2006. However I would still prefer to be treated in France than to die of C diff. in the UK.
David Burton, Nancy, France
If the French do this, then so should the UK.
Alex, Leeds, UK
I work in Germany along with Australians, Irish, Ukrainian, Romanian people etc. (all teaching English as a foreign language) - do you honestly think we get free health care? Sorry.. I don't know how to write in words the sound made when spluttering in disbelief. I have a reasonably priced health insurance policy from a UK health insurance company that has a policy for expats. I have to pay a small proportion of each bill myself, but in the end, I save a lot more than I need.
Tina, Duesseldorf, Germany
Some Social Security entitlement made (through long term contributions) in other countries can be transferred (e.g. state pension), so perhaps it should be possible to transfer one's "NHS" entitlement too? Or at least have some long term "cross-charging" method rather than the short term E106. After all, if you stay in the UK after retirement you are entitled to NHS until death.
But I agree with the enforcement. If you haven't paid into the French social security system, why should you feel entitled to claim from it?!
If you have enough money to go and retire in France, it's reasonable to expect that you should cover your medical liabilities too.
Andrew Wood, Evreux, France
Why not just claim asylum? It's all the rage among the people who have "no jobs and no money".
Emil, Leipzig, EU