Very confused - Please help

Hi Elvina, try looking at GOV.UK GOV.UK or look at our website for extra information Leggett Immobilier Brexit Info if you are looking for additional income alongside your Gite business please contact me via our website! Good luck with the move Lorraine

After 3 months of regular and stable residence in France, you can apply for the assurance maladie (carte verte, via CPAM). It can take quite a while to get processed and approved though, so plan accordingly.
I'm afraid I can't help with the rest.
Good luck!

You shouldn't need a health insurance until the 31st December as your current insurance should cover you in Europe for 90 days trip in another EU country (check with them to make sure...).

The EU-law is simple, you MUST at least have a medical cover for at least 30.000€ while traveling in EU.
As long as you don't have the resident permit, you're considered as a traveler/business.


So you can just pick a Schengen insurance like third countries (from 1st January for 3 month, up to 1 year) to cover any health care (hospital, ...) to make sure you're covered, in case your EN one stop at the 1st January (which I doubt...).
But keep in mind that health care can be super expensive in hospital... so make sure you pick the right policy depending on your case! 30.000€ is nothing...



Tip: looks for Axa insurance (or other famous companies) but in Czech Republica/Europe-east but part of Schengen Area........ it's exactly the same cover as in France/Belgium/elsewhere, but 1/3 of the price... 
That's what I used for my wife last year...

Do we need full medical insurance for the first few months or is travel insurance enough please or do we need insurance at all if we are starting a business?

YES. It's call Schengen Visa Insurance. Cost merely nothing.
Here's the link:
https://assurance-voyage-schengen.com/FR/?part=226

What do we need to do to start a business and get the state health cover please?

No need to start your business right away.
Take an appointment to the Chamber of commerce.
They'll advise you for all your business needs.
That visa insurance covers all your needs while waiting. You'll be able take for a week or more according to the duration of your stay.
If you change your mind, no loss.

If we have to get private medical cover which companies are best please based on cost?

When you become the owner of a business, you become an independent.
There's only one business medical cover for that. It's HARMONY MUTUEL FOR INDEPENDENTS.
You'll be able (under a special law) to even put your whole family insurance on the same package and it's the cheapest way than instead of managing different individual package.

I just did it myself.

Any advice would be very much appreciated.  Many thanks

You're welcome.

Rama****

Do you have your long-stay visas already? You would have had to have proof of International Health Insurance covering medical and hospital expenses up to at least 30,000€ (and proof of a guarantee of repatriation) for the first 3 months (it used to be 5 years) to get your visas.

As English national, they don't need a visa right now to live in another Schengen country...

And as long as they start the process before the 1st January 2021, they'll still have the access of EU freedom of of movement within another Schengen State.
But after that they would be considered as a third-country and then a visa would be required for both of them.
It's a question of timing...

Oh - right! I live in the US so I need a VLS-TS before I can even fly to France and start looking for a new home. Of course, waiting for something to change regarding the pandemic first...