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Carte vitale: France to adopt a new ‘biometric’ health card

The French parliament has approved a €20 million project to launch a 'biometric' version of the carte vitale health insurance card.

Carte vitale: France to adopt a new 'biometric' health card
A "Carte vitale", the French social security affiliation card, being read in Lille, France. (Photo by DENIS CHARLET / AFP)

As part of the French government’s package of financial aid for the cost-of-living crisis, €20 million will be set set aside to launch a biometric health card, after an amendment proposed by senators was approved.

Right-wing senators made this measure a “condition” of their support for the financial aid package, according to French left-wing daily Libération, and on Thursday the measure was approved by the Assemblée nationale.

While it sounds quite high tech, the idea is relatively simple, according to centre-right MP Thibault Bazin: the carte vitale would be equipped with a chip that “contains physical characteristics of the insured, such as their fingerprints” which would allow healthcare providers to identify them.

The carte vitale is the card that allows anyone registered in the French health system to be reimbursed for medical costs such as doctor’s appointments, medical procedures and prescriptions. The card is linked to the patient’s bank account so that costs are reimbursed directly into the bank account, usually within a couple of days.

READ ALSO How a carte vitale works and how to get one

According to the centre-right Les Républicains group, the reason for having a ‘biometric’ carte vitale is to fight against welfare fraud.

They say this would have two functions; firstly the biometric data would ensure the card could only be used by the holder, and secondly the chip would allow for instant deactivation if the card was lost of stolen.

Support for the biometric carte vitale has mostly been concentrated with right-wing representatives, however, opponants say that the implementation of the tool would be costly and lengthy.

It would involve replacing at least 65 million cards across France and repurposing them with biometric chips, in addition to taking fingerprints for all people concerned.

Additionally, all healthcare professionals would have to join the new system and be equipped with devices capable of reading fingerprints. 

Left-leaning representatives have also voiced concerns regarding the protection of personal data and whether plans would comply with European regulations for protecting personal data, as the creation of ‘biometric’ carte vitales would inevitably lead to the creation of a centralised biometric database. Additionally, there are concerns regarding whether this sensitive personal information could be exposed to cybercrime, as the health insurance system in France has been targeted by hackers in the past.

Finally, there is concern that the amount of financial loss represented by carte vitale fraud has been overestimated. The true figures are difficult to establish, but fraud related to carte vitale use is only a small part of general welfare fraud, which also covers unemployment benefits and other government subsidy schemes.

The scheme is set to begin in the autumn, but there us no information on how this will be done, and whether the biometric chip will just be added to new cards, or whether existing cards will be replaced with new ones. 

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MONEY

Reader Question: Why did my French electricity bill increase by more than 4%?

The French government has capped electricity prices rises at four percent - but as with many French rules, there are certain exceptions.

Reader Question: Why did my French electricity bill increase by more than 4%?

Question: I read in the media that electricity prices in France are capped at four percent, but I just got a letter from EDF telling me that my bill is going up by almost 20 percent – is this a mistake?

The French government’s bouclier tarifaire (tariff shield), froze gas prices at 2021 levels and capped electricity price hikes to four percent – it remain in place until at least the end of 2022.

However, there are some customers who will see increases to their bills of more than that – here’s why: 

The regulated tariff rate

The French government involvement in price-setting doesn’t just happen during periods of energy crisis, normally regulated tariff prices are updated twice a year: usually on February 1st and August 1st.

Typically, this value is calculated by the CRE (commission de régulation de l’énergie) and it is based on several different factors, which are explained on this government website. These tariffs proposed by the CRE are then subject to approval by the ministers in charge of energy and the economy.

READ MORE: EXPLAINED: Why are French energy prices capped?

These affect the state-owned Engie (formerly Gaz de France), the mostly state-owned EDF and some local distribution companies. Around 70 percent of people in France get their electricity from EDF but other suppliers do exist in the market.

These alternative suppliers, like Direct-Énergie, Total Spring or Antargaz, are free to charge more – but don’t usually charge much above the EDF rates for obvious commercial reasons.

Basic rate

The government-set limit in price rises refers only to the basic rate (option base) for electricity.

This plan represents over 80 percent of the 32 million households connected to the electricity grid in France. So, there is a good chance you might be subscribed to this without even realising it. 

If you are on the basic tariff rate, your bill will not increase by more than four percent this year.

Other tariff options

However, other options for electricity bills do exist, including off-peak rates, green deals and fixed energy prices for a certain period.

Typically people who sign up for these will have been paying less for their electricity in the preceding months than those on the base rate.

However, there are certain special deals that are not covered by the four percent cap, and some users will find that their deal period has come to an end, they are then shifted onto the base rate – which is likely to represent a price increase for them of more than four percent.

It’s little consolation when faced with rising bills, but you will likely have been paying significantly less than customers who have been in the base rate for the past few years.

READ MORE: French government to continue energy price freeze until at least 2023

Kilowatt price

Because most electricity price plans are bafflingly complicated, the easiest way to compare is to look at the price per kilowatt-hour.

Your electricity bill consists of a fixed part, the monthly subscription (abonnement) and the variable part, which depends on the quantity of electricity consumed (in euro per kilowatt-hour, kWh). The latter part is what is concerned by the tariff shield of four percent.

Here is an example of what that might look like:

The mid-August base rate price per kilowatt-hour is €0.1740/ kWh, so if you’re with EDF they cannot charge you more than this rate.

Other EDF plans charge significantly less than that – for example the Vert Electrique Weekend deal has been charging €0.1080/kWh on weekends and €0.1434/kWh on weekdays. 

Bill rises

With the tariff shield, the average resident customer on the base rate will see a €38 rise on their bill this year, while professional customers will see an average of €60 rise. 

Without the tariff shield, electricity prices per residential (non-business) customer would likely have increased an average of €330 a year, according to the CRE.

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