Living abroad for 8 months a year - Insurance

wkt54

I want to spend 8 months a year in France - 4 in the UK.

I know that makes me a resident in France, but I do not want to register with the French Health system.

Those who spend most of the year in Spain, France, Portugal etc., what do you do about travel insurance?

But please no lectures about I will be a French resident and have to join their Health system etc. I will be staying at a campsite, and we are not supposed to stay that long otherwise the owner would get into trouble. But there are lots from the UK who do it. I will ask them what they do when I go in 4 weeks.

I just want to know is there any other way round of getting medical insurance.

RibAd

My suggestion: Google.

And no there isn't a way around the medical issue. If you're technically not residing in the Uk for the specified time ie as in the 6/12mths as stated in your previous post then you're not UK resident, but you want to live in France and then travel from France elsewhere... try gap year insurance or something. some companies may base it on your country of residence in that you can only leave from your country of residence, go to destination and return back to country of residence.

wkt54

I have rang 3 different travel insurance companies.

When you try and take out a policy, they ask have you been resident in the UK for at least 6 months of the last year.

So when I said no, and said I have spent 8 months out of the last year in France, I thought they would say - oh in that case you can't take out a policy - but they all said, well that doesn't matter.

As long as you have a British passport and live in the UK.

I want to spend 8 months a year from now on in France, and thought I was going to have to take out a private insurance poicy which would cost thousands of pounds.

But they are not concerned when I answer I have spent 8 months out of the past 12 in France.

Inactive

You will be eligible for free medical cover under EU regulations in France for 6 months, what you do about the other 2 months I'm not sure about, as you know, you will be technically a French Resident, eligible for everything that entails, because other Brits say they do it, doesn't change anything.

Inactive

wkt54 wrote: »

As long as you have a British passport and live in the UK.



.

But technically you will not be living in the UK, you will be living in France and visiting the UK, not sure if that is significant, Insurance companies have a habit of saying yes to almost anything until it comes to claiming.

airhostess

Hi there, lots of companies do long term tavel insurance of up to 18 months that would cover you for medical benefit in France is you want to go private! Not too hideously expensive either when you compare it to health insurance on it's own, plus you get loads extra - cover for money, passport, missed flights etc etc!

Sturdy

Be careful taking out travel cover and thinking that they'll pay for all your costs in France. Chances are that they will fly you back to the UK and leave you in the NHS - which you're not entitled to unless you are domiciled here.

Have a look at taking out a low level private medical insurance plan, like www.expatriatehealthcare.com. When I moved with Dorre Bonner, they gave me a code to quote DB2005 gives a 5% discount. If it still works?