What insurance to take out for foreigners coming to France?

What insurance to take out for foreigners coming to France?
Foreign resident in France Whatever the reason for a stay on French soil and the length of it, everyone is obliged to take out foreign insurance in France in order to benefit from the same rights as the French. However, care must be taken to match the insurance category with its particular status so as not to be caught off guard.

Health Insurance Social Security

People who land 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 from illness or accident. The first elementary rule of the traveler is therefore to take out insurance in relation to his status.

Case of the expatriate worker

There is a coordination agreement between the 27 countries of the European Union in the area of ​​social protection. As a result, a person moving within the Union can neither be insured twice nor, on the contrary, not be insured at all.

If you are affiliated with a social security scheme in a country outside the European Economic Area (EEA) and you move to France as an employee or self-employed, 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 you leave 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 members of your family are covered by this French coverage, whether they reside on French soil or live in your country of origin.

Case of the posted worker

The posting of a worker on French soil cannot exceed a period of 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 the S1 form from the health insurance organization to which you are contributing and submit it to 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. In addition, your family members who live with you in France can be reimbursed for the care provided to them, subject to certain conditions.

Civil servant case

Civil servants from another European country and who work in France, as part of a diplomatic mission for example, are covered by the social protection system of their region. In order 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, they benefit from specific coverage called "Student social security", which is registered simultaneously with their registration in a higher education establishment. He must be under 28 years of age at the time of subscription and be in a legal situation regarding his right of residence.

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 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 general scheme of the Primary Health Insurance Fund (CPAM).

Finally, if the student does not meet the conditions to be affiliated to the French social security student scheme or is not covered by the social protection scheme of his country of origin (for the EEA), he must necessarily take out insurance for foreign 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