Vital card: beware of fraudulent emails
Scams in inboxes and on the phone follow one another with always the same goal: to recover your personal data. False messages involving Health Insurance, via calls, SMS, calls or emails, are currently rampant. Here’s how to react well to these “phishing” attempts.
• Beware of fraudulent emails
The crooks do not take time off and compete in imagination to make us click on their fraudulent links. Health Insurance again alerts individuals to a recent wave of “phishing”, or phishing, which is rampant in messaging. Here’s what should alert you:
- The Ameli service never asks for personal information (medical information, social security number or bank details) by email outside the secure area of the ameli account.
- When hovering over the sender, the email address is not a personal address.
- L’Assurance Maladie does not use a file reference in the subject line of the emails it sends.
- It never asks for reimbursement validation.
- It does not present itself as customer service.
- She never writes in red in her emails to policyholders.
If you notice any of these peculiarities in the email received, it is a fraudulent email which aims to recover your personal data. Do not reply and delete it from your mailbox. In general, be wary when you are told of a refund for which you must click on a link. This also applies to taxes, the Post Office, your energy supplier… Go to your personal space via the application or the website to check this information.
Fraud attempts with the logo of France Connect and that of Ameli are also rampant. Be careful.
If you have already provided your bank details, contact your bank to object.
• Beware of fraudulent SMS
Health Insurance can contact you by SMS. These messages may contain links to information pages on the ameli.fr site, or to the declare.ameli.fr service or to the ameli account, which you can access using your login credentials.
On the other hand, you will never be asked to communicate personal information (medical information, social security number or bank details) by text message. These are again attempts at “smishing” or “phishing by SMS”. A new scam also sends you an SMS inviting you to renew your vital card for the sum of €0.99. This is a phishing attempt. Do not answer!
Here is an example of a scam for a supposed pending refund tricking you into clicking on a line to collect your bank details. It’s a fraudulent SMS, do not click!
If the call is fraudulent, the sender will leave you a message on your answering machine asking you to call your CPAM at a number other than 3646. Its purpose is to have you call a heavily surcharged number in order to get you out of the money indirectly. You don’t have to act on it.
When L’Assurance Maladie contacts you by telephone, the caller’s number displayed on your telephone screen may be:
- 3646 (free service + call cost);
- 01 87 52 00 70, for calls made as part of the “Go to for vaccination against Covid-19” operations;
- 09 86 01 36 46, for calls made as part of the contact tracing system in order to limit the circulation of the virus.
It will never ask you for your bank details (bank account number, RIB, credit card number, etc.) or password on this occasion.