Whatever the reason for a stay on French soil and its length, everyone is obliged to take out foreign insurance in France to benefit from the same rights as the French. However, Who must take care to match the insurance category with its unique status not to be caught off guard.
Health Insurance Social Security
People who disembark in France, and expatriates, in particular, must prepare for their trip by establishing a checklist of the various essential formalities, including travel insurance. Indeed, whatever the length of your stay in France and its reason, you are not immune to illness or accident. The first elementary rule of the traveler is, therefore, to take out insurance concerning his status.
Case of the expatriate worker
There is a coordination agreement between the 27 countries of the European Union in social protection. As a result, a person moving within the Union can neither be insured twice nor, on the contrary, not benefit from insurance at all.
Suppose you are affiliated to a social security scheme in a country outside the European Economic Area (EEA), and you settle in France as an employee or self-employed. In that case, you will have to contribute to the French social security scheme. Concretely, therefore, you lose your affiliate status in your country of origin. This is the case if you have a long-stay visa.
To perform this status migration, you must request the E 104 form from the organization to which you are affiliated before leaving for France. This document lists your periods of insurance, residence, or employment in their entirety, and you will send it to your French health insurance fund.
You should know that all the members of your family are taken care of by this French cover, whether they reside on French soil or whether they live in your country of origin.
Case of the posted worker
The posting of a worker on French soil cannot exceed 24 months. If this is your case, you must have a long-stay visa. You continue to benefit from the social security system of your country of origin. Before leaving, you must request form S1 from the health insurance organization to contribute and hand it into the health insurance fund closest to your place of residence.
In this way, your health expenses are covered in the event of accident or illness, as for any other social insured in France. Besides, your family members who live with you in France can be reimbursed for the care provided to them, subject to certain conditions being met.
Civil servant case
Civil servants originating from another European country and who work in France, within the framework of a diplomatic mission, for example, are covered by the social protection system of their region. To be reimbursed for his medical expenses during his stay in France, he must follow the same procedure as the posted worker.
Student case
To enter France, the student must hold a temporary visa. In this context, specific coverage benefits are called "Student social security," which is enrolled simultaneously with his enrollment in a higher education establishment. He must be under 28 years of age at the time of subscription and be in a legal situation concerning his residence right.
This student social security is compulsory for students coming from outside the European Union. Those who come from Switzerland or another country of the European Union are not obliged to register for this student's social security if they have a European Health Insurance Card which covers the academic year they spend in France. Finally, regardless of their origin, students over 28 can no longer claim this Social Security and must register with the Primary Health Insurance Fund (CPAM).
Finally, suppose the student does not meet the conditions to be affiliated with the French social security student scheme or is not covered by his country of origin (for the EEA). In that case, he must necessarily take out insurance for international students from a private organization.
For the latter case, ACS offers Globe Partner for international students in France. A private insurance solution with excellent value for money!
Retiree case
While many French people retire abroad, the reverse is also true. If you are retired from a European country and want to spend this period of your life in France, it is quite possible to have your rights transferred to health insurance.
All you need to do is request form S1 from the fund that debits your pension and sends this document to the health insurance fund closest to your place of residence in France. You are then attached to the French social security system.
If you are not a national of a European country, it will not be possible to transfer your rights, and you will have to subscribe to private insurance, which will replace the French Social Security.
ACS offers different formulas adapted for foreign residents in France, depending on the desired level of coverage and age. For more information, see our E, F, Ep contracts.
Complementary Health Insurance
Accidents and illnesses can occur at any time, hence the importance of foreign insurance in France. Such a precaution allows you to enjoy your stay in complete serenity and avoid any budget imbalance that may arise in a disaster.
Complementary health insurance takes over from Social Security health insurance, which does not cover all of the insured's health expenses. You should know that in the event of dependency, disability, hospitalization, or severe illness, the sums to be paid are sometimes substantial. Therefore, subscription to complementary health insurance becomes essential coverage to avoid incurring expenses that are too heavy for your budget.
Complementary health insurance is intended for everyone and concerns all people, regardless of their family situation and professional status. It is particularly recommended that foreigners staying in France take out this insurance.
Membership can be made with an insurance company, a banking establishment, a provident institution, or a mutual society. It is generally to the latter that policyholders turn. You should know What can take out this insurance individually or collectively within a company. In this case, it is cheaper.
The guarantees included in the complementary health insurance vary according to the contracts. They include the reimbursement of part of the health expenses, which are not covered by the health insurance, or "user fee" in technical terms. This additional insurance also reimburses certain services not taken into account by health insurance. These include certain drugs and vaccines classified as "non-reimbursable" and osteopathy.
If the membership fees may or may not be free, you should know that the contributions vary according to several parameters depending on the insurance organization. This mainly concerns the coverage level, the age and status of the insured, his income, and possibly his place of residence.
Visitors insurance in France
Those who leave for a stay of fewer than 90 days benefit from a short-stay visa called a "Schengen visa." They must take out Schengen visa insurance, which covers them for the duration of their trip to France. In this way, in the event of illness, accident, or hospitalization, the foreigner benefits from a guarantee which reimburses all his health expenses. This insurance is also part of the conditions to obtain this famous visa, which exempts you from obtaining a reception certificate.
To obtain Schengen visa insurance, you must contact the French consulate in your country of origin. You will have to prepare several supporting documents such as the accommodation conditions, the reasons for your stay, and the travel insurance that covers you. You then have to complete several formalities before obtaining it.
This insurance mainly covers emergency medical and hospital care, which remains capped at 30,000 euros per beneficiary, on-site medical transport, and repatriation at actual costs to your country of origin if applicable.
ACS offers people interested in the Schengen visa dedicated insurance that meets embassies' requirements: the Euro pax contract.
Whether it is a pleasure trip, study, family visit, business, or actual deportation, it is always essential to have health insurance to cover you when needed. . Depending on your status; Social Security can give you essential protection that What should combine with additional health insurance to have optimal coverage. Being a foreigner in France, and falling ill, being the victim of an accident, or having to be hospitalized can quickly become a real ordeal if you have not previously taken out compulsory and optional insurance. Discover on the ACS website the different insurance formulas adapted to travelers, expatriates, and students.
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