Retirement abroad: how to be well covered?

Retirement abroad: how to be well covered?
senior couple retiring abroad Many French people plan to retire in other countries that better suit their ideal. Whether you choose to relocate to a neighboring European country or seek happiness in the tropics, combining retirement abroad with high-performance health insurance remains essential for your well-being and peace of mind. Here are the different possible cases if you already benefit from the French social security system.

Retire in a country of the European Union

By remaining in the territory of the European Union, the European Economic Area or by leaving for Switzerland, you have the possibility of continuing to benefit from your rights to health insurance but you must follow the system put in place in the host country. To do this, you must first communicate your new address to your health insurance fund and your pension fund where you will collect the E 121 / S1 form. This document must be presented to the local Social Security organization. As this is a nominative form, it will be necessary to establish one for each member of the family.

Old age is a time of life when health care costs often tend to increase. If your Social Security is maintained in European countries, this is not the case with your mutual, which only gives you partial coverage. If you want to obtain maximum coverage in all circumstances, taking out an additional insurance contract is a wise choice. In the event that you return to France, all of your rights apply. All you need to do is contact the health insurance fund to which you were attached before your departure. You can also use your Vitale card if you still have it in your possession.

If you are working in the country of expatriation, it is important to distinguish your status. If you are an expatriate, you will need to join the Caisse des Français de l'Etranger (CFE) to keep your French health insurance rights. Otherwise, it is necessary to contribute to the social security system of your host country, at the risk of losing quarters when you return to France. As part of a secondment, it is up to your employer to request that you remain in the French social security system for the duration of your contract.

Retire in other countries

Even if you are still looking for inspiration for your future place of retirement, you should already know the impact of your retirement abroad on health insurance. When you move away from the European Union, it becomes necessary to take out health insurance for retirement abroad or to join the CFE, unless your destination country has established a bilateral Social Security Agreement with France because, in this case, you have access to local coverage.

These countries include Algeria, Andorra, Argentina, Benin, Bosnia and Herzegovina, Brazil, Cameroon, Canada, Cape Verde, Chile, Congo, Korea, Ivory Coast , the United States, Gabon, Guernsey, India, Israel, Japan, Jersey, Kosovo, Macedonia, Madagascar, Mali, Morocco, Mauritania, Monaco, Montenegro, Niger, New -Caledonia, the Philippines, French Polynesia, Quebec, San Marino, St-Pierre-et-Miquelon, Senegal, Serbia, Togo, Tunisia, Turkey and Uruguay.

As the formalities to follow in order to join the local system may vary from one country to another, it is advisable to check well before your departure with your health insurance fund or the Cleiss (Center for European and international connections). social security). In the event of treatment in your host country, you have the option of having your health reimbursed or reimbursed according to the arrangements established in your new country of residence.

If you are staying in France, all you have to do is complete the registration form "I am retired from the general scheme and I live abroad outside the EU / EEA / Switzerland". You can also send it by email to the Seine-et-Marne health insurance fund.

If you go to a completely different country, from the African bush to the paradisiacal beaches of Australia, which does not have an agreement with France, affiliation to the CFE or the subscription to an offer from a company of private insurance remains essential. In the event of health problems in the host country, it is necessary to give the CFE treatment sheets to the members of the medical staff who take care of you