What Type of Insurance Is Needed When Moving to France for Work?

Relocating to France for work is an exciting opportunity, but it also comes with responsibilities—especially regarding insurance. Whether you’re an employee, a freelancer, or a business owner, securing the proper coverage ensures a smooth transition and protects you from unexpected financial setbacks. Some insurance policies are mandatory, while others provide extra security for your health, home, and daily life.

This guide breaks down the essential insurance policies you’ll need when moving to France for work.

Health Insurance: Mandatory and Supplemental Coverage

Healthcare in France is known for its high standards and affordability. However, as an expat, you must ensure you have the right coverage from arrival.

French Public Health Insurance (Sécurité Sociale)

If employed in France, you’ll typically be enrolled in the country’s public healthcare system, Sécurité Sociale. Your employer handles registration, and contributions are deducted directly from your salary. The system reimburses a significant portion of medical expenses, but you’ll usually pay out of pocket for a portion of doctor’s visits, prescriptions, and treatments.

Private Health Insurance (Mutuelle or International Coverage)

Many expats and locals supplement their public healthcare with a mutuelle, a private insurance plan that covers the remaining costs not reimbursed by the government. If your employer does not provide this or you’re self-employed, securing private health insurance is a wise choice.

Given the complexities of insurance in France, understanding your options—whether through a mutuelle, private coverage, or an international policy—ensures you receive comprehensive medical care. International health insurance can bridge the gap for those planning a shorter stay or not immediately eligible for the public system.

European Health Insurance Card (EHIC) for EU Citizens

If you’re an EU citizen, your EHIC may temporarily cover your medical expenses in France. However, if you’re working long-term, you’ll still need to transition into the French healthcare system.

Employer-Provided Insurance: What to Expect

French labor laws require employers to offer basic health insurance. This is called complémentaire santé, and it supplements public coverage. Employers typically pay at least 50% of the cost, with the rest deducted from your salary.

Many companies offer extra benefits, such as accident coverage or life insurance. Review your employment contract to understand what’s included and whether you need additional policies.

Freelancers and business owners are responsible for securing their insurance, though they may access the public system through URSSAF, the organization managing self-employed social security contributions.

Housing Insurance (Assurance Habitation): A Legal Requirement

If renting in France, you must have the assurance of habitation, which is a legal requirement for tenants. This policy covers damage from fire, theft, water leaks, and other risks. Landlords often request proof of insurance before handing over the keys.

What’s Covered?

• Basic coverage includes damage to your rental unit and third-party liability if someone gets injured on your property.
• Additional coverage can protect your personal belongings, protect against natural disaster damages, or provide legal assistance in disputes.

Similar coverage applies to homeowners, though policies may include rebuilding costs, liability protection, and home assistance services.

Liability Insurance (Assurance Responsabilité Civile): Essential for Everyday Life

Personal liability insurance is often included in housing policies, but it’s crucial to check. This coverage protects you if you accidentally injure someone or damage their property.

For example, if you knock over a pedestrian while cycling or your child accidentally breaks a neighbor’s window, this insurance covers the costs. Given its affordability—usually under €50 per year—it’s a must-have for peace of mind.

For professionals, particularly consultants, medical practitioners, or tradespeople, a separate professional liability insurance policy may be required to cover work-related risks.

Car Insurance (Assurance Auto): Required for All Drivers

If you plan to drive in France, car insurance is mandatory. Even if you bring your vehicle from abroad, you must comply with French regulations.

Types of Car Insurance in France

• Third-party liability (Assurance au tiers): The minimum required by law, covering damages to others but not your car.
• Comprehensive (Tous risques): Covers both third-party damages and your vehicle, even in cases where you’re at fault.
• Additional options: Theft, fire, and roadside assistance can be added to enhance protection.

Expats bringing cars from abroad should check if their existing policy is valid in France or if they need to switch to a local provider.

Travel and Repatriation Insurance: Extra Protection for Expats

Before fully integrating into the French system, travel and repatriation insurance can be a lifesaver. These policies cover medical emergencies, trip cancellations, and even the cost of returning to your home country for treatment if needed.

Many expats opt for repatriation coverage as an add-on to their health insurance or through specialized international providers. It’s beneficial in case of severe illness, injury, or unexpected family emergencies.

Additional Insurance Considerations

Beyond the basics, you may need extra coverage depending on your circumstances.

Life and Disability Insurance

While not mandatory, life insurance ensures financial security for your family. Similarly, disability insurance provides income protection if you cannot work due to injury or illness.

Professional Liability Insurance

This insurance is essential if you work as a freelancer or business owner. Certain professions, like doctors, lawyers, and architects, are legally required to have it. Even if you’re a consultant, this coverage protects you against claims of negligence or errors.

Insurance for Valuables

Consider additional coverage if you own high-value electronics, jewelry, or photography equipment. Basic home insurance may not fully cover expensive personal items.

How to Choose the Right Insurance Providers

With so many insurance providers in France, choosing the right one can be overwhelming. Here’s how to narrow down your options:

• Compare Local vs. International Providers – Local insurers often provide better integration with the French system, while international providers cater specifically to expats. Comparing coverage options can help you find a policy that meets your needs.
• Check Policy Details Carefully – Consider deductibles, reimbursement rates, and coverage exclusions.
• Seek Advice from Expat Communities – Online forums and local expat groups can provide real-world insights.
• Use Comparison Websites – Platforms like Assurland or LeLynx help you compare policies based on your needs.

Final Thoughts

Moving to France for work is a thrilling experience, but securing the right insurance is crucial to avoid unexpected financial headaches. Health insurance, housing coverage, liability protection, and car insurance are essential for compliance and peace of mind. Depending on your situation, travel, professional, or life insurance may also be worth considering.

Start your research early, compare policies, and ensure you’re fully covered before your move. A little preparation now will save you from potential stress later.

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