Five-category breakdown replaces simple lists
The new statement organises reimbursements into five distinct categories: hospital and clinic stays with associated fees; medicines and pharmacy costs; outpatient consultations and medical procedures; paramedical care, laboratory tests and medical transport; and daily allowances plus maternity benefits. Each category displays its individual reimbursement total, with an overall sum provided at the bottom.
For account holders with dependent children on their policy, the system also tracks reimbursements for younger family members separately.
"This new statement makes it easier to see the total annual amount covered by Assurance Maladie. In the face of current health challenges, such as an ageing population and rising rates of chronic disease, improving the appropriateness of care and the organisation of the system requires ensuring that everyone is better informed about their own healthcare spending."
Transparency push addresses fraud and deficit concerns
The redesign forms part of wider efforts to increase transparency around healthcare reimbursements. Assurance Maladie is also exploring additional measures, including sending text message notifications following each reimbursement transaction.
These initiatives come as France grapples with significant financial pressures on its social security system. The country's social security deficit is projected to reach €19.4 billion in 2026, down from €23 billion in 2025 but still representing a substantial shortfall despite ongoing cost-reduction measures.
Fraud remains a persistent concern. In 2025, Assurance Maladie detected and prevented €723 million in healthcare fraud, marking a 15% increase from the previous year and tripling the amount stopped since 2021. While insured individuals account for more than half of detected fraud cases by number, they represent only 16% of total financial losses. Healthcare professionals, though responsible for just 28% of cases, cause 73% of the total damage.
The transparency measures serve dual purposes: reminding patients of the true cost of their care whilst simultaneously making it harder for fraudsters to operate undetected within the system.
Understanding France's reimbursement model
France operates on a pay-first, reimburse-later healthcare model. Patients initially pay healthcare providers directly, then receive reimbursement from Assurance Maladie covering typically 70% of the base rate for non-hospital care. This system makes tracking reimbursements particularly important for residents managing their healthcare budgets.
The new annual statement is accessible through the 'Frais de santé' section of personal Ameli accounts. It covers all reimbursements from the previous calendar year, meaning users checking in August 2026 would see their complete 2025 data.
Ameli platform features beyond reimbursement tracking
The Ameli website serves as a comprehensive portal for French health insurance management. Users can link their supplementary mutuelle insurance policies to streamline document sharing and reimbursement coordination between providers, though this connection typically happens automatically.
The platform also handles Carte Vitale applications and replacements for lost, damaged or stolen cards. Applicants should note that delivery times range from three to six months from initial application, sometimes extending longer in Île-de-France due to high application volumes. For international users, Ameli offers an English-language helpline at 09 74 75 36 46, available Monday to Friday from 8:30 am to 5 pm.
Additional services include requesting copies of important documents such as attestation de droits and applying for the Carte européenne d'assurance maladie, which provides coverage for medically necessary treatment whilst holidaying in most European countries, including the United Kingdom.
Users can access these services not only through the website but also via the Ameli mobile app, available on both the App Store and Google Play.
Separate from health records platform
Ameli remains distinct from Mon Espace Santé, France's digital health records platform. Since 2022, every person with a French social security number has been automatically assigned a Mon Espace Santé account, which stores medical records that can be shared with healthcare professionals to facilitate treatment.
To access Ameli services, residents must first qualify for health coverage under PUMA (Protection Universelle Maladie), which typically requires living in France for at least three consecutive months, unless they qualify through employment or another expedited route.
