Франция. Это слово в жизни каждого, кто здесь побывал или только мечтает посетить страну, отзывается удивительным многозвучием. В нем сплетается воедино и романтика, и великолепие мест, и очарование жителей, и аромат французского багета. Побывать во Франции ежедневно стремятся сотни жителей со всего мира. Кто-то приезжает сюда по туристической визе, а кто-то планирует получить вид на жительство с перспективой перебраться сюда на ПМЖ, чтобы навсегда связать свою жизнь с этой страной.
Как бы там ни было, прежде чем поддаться очарованию страны, стоит всерьез задуматься о делах не столь возвышенных, но очень насущных – получении медицинской страховки во Франции. Без этого документа, даже если вы и сможете каким-то образом пересечь границу, то внутри страны вместо наслаждения отдыхом или сосредоточения на решении важных дел получите множество проблем. Франция – член Европейского Союза и Шенгенского соглашения, поэтому одним из условий для получения визы в эту страну является наличие медицинской страховки.
Требования к медицинской страховке:
— срок действия медицинского полиса должен начинаться с первого дня пребывания в стране, а заканчиваться через 15 дней после вашего убытия. Это следует иметь в виду при расчете примерной стоимости полиса;
— минимальная страховая сумма полиса – 30000 евро;
— минимальный пакет страховых случаев включает оказание первой медицинской помощи, медицинскую транспортировку, посмертную репатриацию;
— наличие франшизы не допускается;
— действует на территории всех стран, входящих в Шенгенскую зону.
Найти подробный список аккредитованных страховых компаний можно на сайте консульства или посольства Франции.
Как оформить медицинскую страховку
— через сайт выбранной вами страховой компании.
— отправив необходимые документы на электронную почту страхующей организации.
— лично придя в компанию.
— обратившись в компанию «Кофранс». В данном случае вам не придется делать ничего, все за вас сделают наши специалисты. Мы подберем оптимальный для вашего случая страховой полис и окажем юридическую поддержку в случае непредвиденных ситуаций.
Что влияет на стоимость страховки
На стоимости медицинской страховки во Франции для иностранцев сказывается множество факторов, главный – сумма страхового покрытия. Как уже было сказано, минимальный порог – 30000 евро, по желанию можно выбрать более дорогой полис. Его цена обычно составляет от 0,01% до 0,3% от суммы покрытия.
На стоимость влияет и перечень указанных страховых случаев, покрывающих оплату оказания медицинской помощи. Чем короче перечень, тем меньше сумма, которую вам придется заплатить.
Как же определиться со стоимостью медицинской страховки (медицинская страховка во Франции стоимость)? Все зависит от вашего конкретного случая, а точнее от цели визита. Например, если вы планируете активно провести ваш отдых на горнолыжном курорте, тогда ваша страховка должна покрыть все возможные расходы по оказанию медицинской помощи в момент несчастного случая. Поэтому лучше выбрать более дорогой полис.
Самый дорогостоящий вид страховки – «Премиум». Он позволяет застраховать особо ценные вещи, а также пригодится на случай вынужденного отказа от поездки.
В случае если у вас не окажется страхового полиса, вам, конечно же, окажут помощь, но за каждый день пребывания в больнице придется платить из собственного кармана, а это совсем не маленькие суммы – в среднем 1400 евро за сутки. Примите во внимание и тот факт, что несчастные случаи, возникшие по причине алкогольного опьянения, не будут признаны страховыми, а значит, никаких компенсационных выплат не последует.
Существуют две категории медицинской страховки во Франции для иностранцев:
Компенсационный. Это означает, что при возникновении несчастного случая вам придется самостоятельно оплачивать лечение, и лишь после передачи всех чеков в офис страховщика вам компенсируют понесенные затраты.
Сервисный. В этом случае медицинская помощь будет сразу оплачена через сервисный центр страховой компании в стране пребывания. В большинстве случаев продаются именно сервисные страховки, что более удобно и надежно для клиентов.
Страховка для визы «Визитер»
Обязательное медицинское страхование предоставляется бесплатно для всех граждан, легально проживающих на территории страны более 90 дней. Однако есть и исключения, например, для тех, кто находится во Франции по визе Визитер.
В данном случае обратите внимание на то, что полисы российских компаний для страхования граждан, выезжающих за рубеж, стоят намного дешевле, но приобретать их крайне рискованно, поскольку они предназначены для туристов, а не для тех, кто проживает в другой стране постоянно. В такой полис будут включены лишь медицинские услуги срочного характера.
Конечно, после регистрации в миграционной службе Франции, вы сможете подать заявку на получение ОМС, но учтите, что для вас это будет платным. А вот дети до 6 лет смогут получить бесплатную медицинскую консультацию, прививки и некоторые лекарства в специальных центрах детства и материнства, которые действуют во всех французских городах. Но при необходимости сложного лечения вас направят в больницу или клинику, а здесь уже придется самостоятельно оплачивать все расходы.
Страхование и ВНЖ
Получив вид на жительство во Франции, вы также можете обратиться в нашу компанию, и мы поможем вам изменить ваше страховое покрытие и оформить Carte vitale с присвоенным индивидуальным номером, куда будут занесены все личные данные владельца. С ее помощью можно оплатить львиную долю расходов на лечение и приобретение лекарственных препаратов.
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