MCAA Management
Giulia Rizzo
Pradeep Eranti
Health insurance and Carte vital
3 Comments
Hi Nihal and Marine,
thank you very much for the replies. From what you say, I start to believe it won't be easy to get into the French health insurance since the fellowship is not taxed and directly trasfered to my German account. I have asked my host institution about it and I am waiting for a reply.
However, in the meantime I figured out that there is an option to be insured by the DAAD (German academic exchange service), this might actually also be relevant for incoming researchers too. They can provide the basic health care for the two years for a reasonable charge.
Best wishes,
Rouven
Yes, if you can get it through the German system, please do so.
It will be much easier, and you should be able to ask for an "european card" that works fine in France as well.
I believe it s gonna be easier to do so, because I am French, but did my masters in Germany, then my PhD in the Netherlands, and when returning back to France after so long, it took me 9 MONTHS to get a working carte vitale !!!
Anyway, i wich you good luck! And dont be scared, the administration is comlicated n slow in France (due to a lot of accumulated layers since Napoleon started this system...),
but we have some good stuff here as well (food for example :p ).
Best regards,
Bonjour,
Where will be your "residency"? Will you receive a salary? Which kind of fellowship is it?
Most of the French system do not recognize stipend as salary, however they usually transform the stipend in salary and then you need to pay taxes. Without more info, it's difficult to say. If you are residing (long term residency) in France, without a salary, not receiving a salary from another institution, healthcare is called "CMU" ("protection universelle" et "complémentaire CMU"), however to be eligible you need to prove that you have been residing in France for more than 3 months and that you are not covered by another european country. For example, you may be eligible to be covered by Germany for a longer time, and then it's your German healthcare that should pay for your health. A friend of mine was unemployed, coming from the UK, and has to be covered by the UK system for several months before she started working and be covered by the French system.
In your case, without more details, I would be surprised that the French system consider that you are a French resident. At least not after the three required months, and maybe not even after. Will you receive your stipend on a French bank account? Do you have one? The MSCA-IF for example are called a fellowship, but you are not able to receive it as a stipend in France, it has to go through a French institution and be taxed (exception may happen, but then please ask your institution about all the details, because this is going to be a mess).
About prices: if you don't have salary, healthcare is free. (some stuff in the care system will definitely consider your stipend as salary, for example you will likely not be eligible for all the CAF helps, because your stipend is considered salary) You will be covered by health care, and then you may want to pay for a " mutuelle " (to pay for the 30% left. Usually about 40/50 euros a month)
Best
Marine