Allen Ro

Hello Everyone,

I am about to be transfered by my company to Germany/France (might change) and I have several questions regarding the insurance I will get and I can't get sufficient answers in my workplace so I am trying to get reference from other companies.

- Who insures you? The main company HQ or the local branch?
- Which department purchase the insurance - is it the HR or the finance dept.?
- Are you satisfied with the insurance? (who is the insurer)?

If you could say in which company you are it will be very helpful for reference

Thank you all.

dmu

Hi again! As suggested in reply to your other thread, you should specify what your employee status will be in France (or Germany), whether you're a UK/EU citizen, and where your present company is located.
Some one in the know will come along to advise on secondment from a UK company to France. In general, employees' social contributions are deducted from their salary and if you're at Executive/Engineer level ("cadre"), you'll have an extra Pension Fund to pay into. The French Social Security reimburses about 70% of medical expenses and it's advisable to take out a "Mutuelle" (top-up insurance) to reimburse the other 30%.
If your company isn't in the EU and/or you aren't a UK/EU citizen, then there'll be the question of visas, reciprocal healthcare arrangements, etc....
Hope someone will be able to help, but without your personal details, advice will be as general/vague as mine....

MidAtlantic

Insurance for what?

dmu

I asked the same question on the other thread, but the OP simply repeated his thread here without replying or giving details....

EuroTrash

As said - it's not clear what insurance you're asking about.

If you mean health insurance, if you're transferred to France your employer must pay into the national social security scheme, which will entitle you to the same level of state cover as everyone else in France. (Then there's the question of top up insurance but that's a question for further down the line.) As to which internal department within your company is in charge of the administration, I don't think you need concern yourself with that - there is no "purchasing decision" to be made, the company simply pays the obligatory social security contributions on your salary, as required by French law.

Your employer may provide additional health cover over and above what the law requires, but that's entirely up to them.

Any other type of insurance - house, car, etc - would normally be your responsibility.