I have my European (Czech in my case) governmental health insurance, which covers me during my stay in France as much as how local people are covered by "securité sociale", which is 60% of medical expenses.

To get more coverage, one has to get so-called "mutuelle". However, the insurance companies don't seem to provide "mutuelle only" for people who are covered by insurance from their home country.

So: Is there any way how can I get a "mutuelle" without having to pay the basic "securité sociale"? I'm a PhD student in both Czech Rep. and France if that makes any difference.

  • +1 as it's a valid and interesting question but note that a mutuelle often isn't necessarily such a good deal.
    – Gala
    Commented Mar 13, 2014 at 7:21
  • @GaëlLaurans I'm aware of that. It is one of the reasons why I haven't got one, despite being offered a reimbursement of the fee.
    – yo'
    Commented Mar 13, 2014 at 10:33
  • Have you tried contacting CLEISS? As they are in charge of these things on the French side, they might know how to actually get a mutuelle.
    – Gala
    Commented Mar 19, 2014 at 14:46

1 Answer 1


in France the mutuelle are indexed on the reimbursement made by the 'Sécurité Sociale' and technically are tightly linked to the use of the Carte Vitale.

I think it would be possible to get a mutuelle without having the Sécurité Sociale coverage, which would mean you'd have to pay the Sécurité Sociale part, you'll end up having a tremendous amount of paperwork to get reimbursements from your mutuelle, as well as from your Czech healthcare.

In the end, it may be more interesting for you to get a Czech mutuelle that works well with your Czech healthcare to have it both working smoothly with as little paperwork as needed.


  • -1 But that's the point, tohecz already has “securité sociale” coverage (presumably through an EHIC). There is probably no “mutuelle” in the Czech republic because the coverage there is different (even the structure of the healthcare system might be completely different). How is that supposed to work smoothly?
    – Gala
    Commented Mar 19, 2014 at 11:43
  • @GaëlLaurans That's quite true. However, I don't see a reason for -1, the answer well explains why it's complicated and says that it's better to search for another option. While it's not what I wanted to hear, it's a perfectly valid answer.
    – yo'
    Commented Mar 19, 2014 at 13:00
  • @tohecz Maybe it was a bit excessive but I feel the last advice “getting a Czech mutuelle” is completely off-base.
    – Gala
    Commented Mar 19, 2014 at 13:03
  • @GaëlLaurans It is. However, EU with it's almost 30 countries is so complicated that I understand this misunderstanding. Maybe it should be changed to something like: "getting an extra healthcare in your home country if it's possible"?
    – yo'
    Commented Mar 19, 2014 at 13:08
  • first of all, my last advice is a maybe because I do not know anything about Czech healthcare system. Secondly, what I'm stating in my answer is that I doubt it is possible to get a mutuelle without being covered by french healthcare because of the technicalities, and if it is, I'm pretty sure having each medical care being taken into account will be a massive headache of paperwork. Having to send the brown CERFA paper to the Sécu, having them forward it to the mutuelle, double declaring the act to the Czech healthcare etc. Not talking about the Kafka nightmare to actually get it to work
    – zmo
    Commented Mar 19, 2014 at 13:15

Your Answer

By clicking “Post Your Answer”, you agree to our terms of service and acknowledge you have read our privacy policy.

Not the answer you're looking for? Browse other questions tagged or ask your own question.