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  #21  
Old 04.06.2015, 19:18
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Re: LAMAL question (CH to France move)

And again, many thanks.

That's what this forum is great at - I now know a direction to explore with the powers that be, rather than rely on the guidance and (in)competence of the clearly ill-trained representatives of these insurance companies.

Forewarned is forearmed as they say.

Best sign off before I get too gushing... I really shouldn't have looked at a house before checking all this out, and then discovering we loved it.
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  #22  
Old 04.06.2015, 22:32
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Re: LAMAL question (CH to France move)

As advised by a lass on another column, and be warned, this is epic, will answer many questions for you (not limited to healthcare) and possibly change the way you think. Amazing.

So, to try and answer your question completely, concisely and in a way that makes sense....
If you move to france and your wife is not working she will be classed as your dependent. This means she has to have the same health insurance system as you (be it French or swiss). You are correct when you move you regain your right to choose the French or swiss health system, which is better for you is a personal choice.
If you decide to "remain" with the swiss system your health insurance will nonetheless change as you will be frontaliers rather than residents. I haven't had quotes myself but as I understand frontaliers lamal insurance is cheaper than residents lamal insurance. You need to check this! If you stay with lamal you can definitely go to switzerland for treatment- ensure your specific insurance policy allows you to see the specific doctor you wish to see.
If you move to French health insurance you will be charged 8% of your salary (approx) as your basic rate for the health insurance (like UK NI contributions). Like NI, this rate may change in the future. Your wife will be classed as your dependent and be covered by your payments. This will allow you treatment in france.

With both systems you need to get a complementaire/mutuelle insurance, this means your will e refunded additional incurred costs (neither health insurance system refunds you 100% as standard) and you can request coverage in switzerland as part of this complementaire/mutuelle insurance.

So in short, you can still find a way to go to switzerland with either the French or swiss system. It depends entirely on your personal situation, earnings, number of dependants as to which system is "more financially beneficial" (ie cheaper) for you.

From what I have seen on this forum most couples where both are working find switzerland cheaper- on one working high earners. If you are lower earners and have children france may be cheaper. Unfortunately the only way to weight this up is to go through the ball ache of getting quotes in both countries and comparing the coverage you get.
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  #23  
Old 05.06.2015, 10:52
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Re: LAMAL question (CH to France move)

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you can request coverage in switzerland as part of this complementaire/mutuelle insurance.
So in short, you can still find a way to go to switzerland with either the French or swiss system. .
I would check that, if you decide to go with the French system. French private insurance certainly had a Swiss coverage option, but I asked a few mutuelle's, and they all said that they do not offer it. Mutuelle only supplements what CMU is paying for, and while there are exceptions (I know some people who are seeing certain specialist in Switzerland, that have been allowed to continue), generally CMU does not pay for you to go to Swiss doctors.
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  #24  
Old 05.08.2015, 14:40
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Re: LAMAL question (CH to France move)

This is all driving me crazy
I stared to sign up toCMU when there was no choice if you live in France and your private French insurance came to an end 31.5.2015. Then the Swiss changed the rules and you could opt back in to the Swiss system, which I did ( along with lots of other people). I was given an E106 form by Helsana to send to CMU, to opt out of the French system. Thy just wrote to me telling me that they refuse to accept the E106, as I chose the French system, because I started to sign up with them when there was no choice.
I really want to keep my great Swiss doctors, I have private Swiss insurance. How can the French lock me into a system I have no intention of using. This must be illegal. Can any one help!!!!
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  #25  
Old 06.08.2015, 16:56
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Re: LAMAL question (CH to France move)

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This is all driving me crazy
I stared to sign up toCMU when there was no choice if you live in France and your private French insurance came to an end 31.5.2015. Then the Swiss changed the rules and you could opt back in to the Swiss system, which I did ( along with lots of other people). I was given an E106 form by Helsana to send to CMU, to opt out of the French system. Thy just wrote to me telling me that they refuse to accept the E106, as I chose the French system, because I started to sign up with them when there was no choice.
I really want to keep my great Swiss doctors, I have private Swiss insurance. How can the French lock me into a system I have no intention of using. This must be illegal. Can any one help!!!!
As I understand it you can still choose a Swiss doctor http://www.frontalier.org/ftp/articl...ier_suisse.pdf .

As far as the legality goes, it can always be tested in court
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  #26  
Old 06.08.2015, 20:12
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Re: LAMAL question (CH to France move)

Thanks for the reply. The problem is you can only use a Swiss doctor for urgent problems ie you suddenly fall ill at work in Switzerland. You cannot choose a Swiss doctor for on going care. The devil is in the detail.
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