Moving to France is an exciting experience, but it also comes with important administrative tasks. Securing the right insurance coverage is one of the most crucial aspects of settling in. From healthcare to home protection, insurance is vital in ensuring a smooth transition and protecting you from unexpected costs.
Understanding which insurance policies are required and which are optional can help you make informed decisions. This guide covers the essential types of insurance you need when relocating to France.
1. Health Insurance: Securing Medical Coverage
France has one of the best healthcare systems in the world, but access depends on having the right insurance. To stay long-term, you must register for public health coverage or secure a private plan.
Public Health Insurance: Assurance Maladie
The French public health insurance system, Assurance Maladie, covers a significant portion of medical costs. Expats who have lived in France for at least three months can apply under the Protection Universelle Maladie (PUMA) system. To register, you will need:
- Proof of residency
- Identification (passport or visa)
- Employment or proof of income (if applicable)
Once approved, you will receive a Carte Vitale, which allows direct reimbursement for medical expenses.
Private Health Insurance
While public health insurance covers most medical costs, it does not reimburse everything. Many residents supplement their coverage with a private insurance policy to help cover additional expenses such as:
- Specialist consultations
- Dental and optical care
- Hospitalization fees
Securing expat insurance in France is essential for those moving abroad to ensure comprehensive medical coverage. Some employers provide multiple coverage options, but independent workers and retirees should explore plans that meet their needs.
2. Home Insurance: Protecting Your Property
In France, home insurance (assurance habitation) is legally required for renters and highly recommended for homeowners. This coverage protects against fire, water damage, natural disasters, and theft.
Understanding Coverage Options
A standard home insurance policy typically includes the following:
- Civil liability (responsabilité civile) — Covers damage you may cause to others, such as a leak flooding your neighbor’s apartment.
- Property damage — Covers damage from fires, floods, storms, or vandalism.
- Theft and burglary — May be optional, depending on your policy.
Landlords often require proof of insurance before signing a lease, making it one of the first policies you must secure after arriving.
3. Car Insurance: Mandatory Coverage for Drivers
If you own or drive a vehicle in France, car insurance (assurance auto) is legally required. Third-party liability coverage is also mandatory, even if your car remains parked.
Types of Car Insurance Policies
- Third-party liability (responsabilité civile) — The minimum legal requirement covers damage or injury to others but not your vehicle.
- Comprehensive (tous risques) — Includes third-party liability plus protection for your car in case of accidents, theft, or vandalism.
- Additional coverage options — Breakdown assistance, glass protection, and personal injury coverage can be added as needed.
If you bring a car from another country, check whether your existing insurance is valid in France. You may also need to convert your driver’s license after a certain period.
4. Liability Insurance: A Must-Have for Everyday Life
Liability insurance (assurance responsabilité civile) covers accidental damage or injury you may cause to others. This could be as simple as your child breaking a neighbor’s window or your dog knocking over a cyclist.
Many home insurance policies include civil liability coverage; if not, it can be purchased separately. Schools often require it for children enrolling in activities.
5. Travel and Repatriation Insurance: Extra Protection for Expats
Travel insurance is proper in France, especially before enrolling in public healthcare. Repatriation insurance is also essential in case of a serious medical emergency requiring transport back to your home country.
Key Benefits of Travel Insurance
- Emergency medical treatment
- Lost or delayed luggage
- Trip cancellations or interruptions
Many expats also choose global health insurance plans if they travel frequently or split time between countries.
6. Income Protection and Life Insurance: Financial Security Abroad
Securing financial protection is just as important as insuring your belongings. Income protection and life insurance (assurance vie) ensure you and your family are covered in case of unexpected events.
Types of Coverage to Consider
- Life insurance — Provides financial security for dependents in case of death.
- Disability insurance — Offers financial support if you cannot work due to illness or injury.
- Self-employed and freelancer protection — If you work independently, you may need additional coverage to compensate for lost income due to illness or business interruptions.
7. Business and Professional Insurance: If You Plan to Work in France
Professional insurance may be required if you are starting a business or freelancing in France. Certain professions, such as legal and medical, must have specific liability coverage.
Types of Business Insurance
- Professional liability insurance (responsabilité professionnelle) — Covers errors or damages caused during business.
- Commercial property insurance — Protects office space, equipment, or inventory.
- Legal protection insurance — Assists with legal fees in case of disputes.
Registering as self-employed (auto-entrepreneur) may also require social security contributions, including some insurance benefits.
Conclusion
Moving to France involves more than just securing a visa and finding a home. Insurance is vital in protecting your health, finances, and property. While some policies are legally required, others provide additional security and peace of mind.
Before making the move, research policies carefully, compare providers, and ensure you have the necessary coverage. Whether you plan to rent an apartment, drive a car, or start a business, having the right insurance will help you settle in confidently.
