French Government has been the early
believer of insurance
coverage. It had
encouraged and promoted the booming business
of insurance companies since the early
The local healthcare
industry is dominated by two players: First
are the private insurance companies which
are driven by profit, and the other one is
the mutuelles, which are largely not profit
driven organizations (or cooperatives).
As a general practice, employers are
required by legislation to pay for indemnity
when there is occurrence of death, injury,
sickness or maternity.
Then came the
Republic, whereby it was
decided that socially vulnerable citizens
such as women and children were to be
included to receive social security
A referendum back in
1946 decreed that the state constitution
obliged itself to provide financial help to
children, retired workers and women (a group
considered most socially vulnerable).
During that time, the
industry was split into "regime general" and
the "regime particuliers", and that
applicable for some industries alone.
A more national wide program was created
after 1946, whereby the "securite sociale"
provided some sort of limited coverage to
all French citizens.
Citizens could opt for a fuller Healthcare
coverage through the introduction of
"assurance complementaire", the system that
acted as the stand-between for basic
coverage and full coverage.
In addition to the
programs cited, its national security system
also includes a retirement pension scheme
which was essentially contributed by the
employer to the French Government.
As a rule of thumb, no
foreigner is entitled to any local
healthcare benefits except when the visitor
comes from an EU country and has been in
for a reasonable duration of time.
The option for foreign expats when they are
in France is to consider protection
through private medical insurance providers.
No matter if you are concerned with
Hospitalization, Outpatient, maternity or
Dental expenses, trust our professional
staff to guide you along. We assure you will
find the best healthcare cover for yourself,
your family or your business.