All residents in France are the French government agency responsible for management of health insurance across France.
CPAMs are private legal entities with a public service vocation.
The insurance program under CPAM is called basic CMU is allocated for those with little or no income (there is a fixed ceiling).
Basic CMU provides refund for care and drugs at much the same rates as other state insurance, with between 35 and 65 percent refund on medication and 60 to 100 percent for medical services and operations. It is granted based on the insured person's financial resources.
It has all the advantages of a complementary protection and provides 100 percent cover and exemption from any payments.
NOTE: Following information applies only to students older than 28 years in age Non-European students above the age of 28 years are required to obtain a French social security cum insurance cover which is outside the purview of the “student social security” that applies to all students below 28 years of age. In France, the social security and medical cover are integrated as one.
This means that any person (student or non-student) having a legal residence (temporary/permanent) in France will have to be registered with the French authorities for social security (which by default requires/includes medical cover).
Social security/health insurance coverage in France is annually renewable.
What is the structure of the system of insurance and social security?
Like other European countries, France uses taxation to fund health care for residents.
It operates an insurance system in which the bulk of cover (60~70 %) comes from the State (government fund), and a top-up cover (30~40 %) comes from “or private health care insurance companies.
All medical facilities are part of the State system but the patient is free to choose their own doctors, specialists, medical facility or hospital.
Who to contact to apply for the social security/insurance cover?