09/06/2024
Question that inspired this post:
So are Au pairs supposed to pay for the additional health insurance or the host family?
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Introduction
When welcoming an au pair into your home in France, it’s essential to understand the health insurance responsibilities involved. The host family is responsible for ensuring the au pair has both statutory social insurance and comprehensive private health insurance. Here’s a detailed guide on what you need to know:
Statutory Social Insurance
Registration with URSSAF
As a host family, you must register your au pair with the local URSSAF (Union de Recouvrement des Cotisations de Sécurité Sociale et d'Allocations Familiales) within 8 days of their arrival. This registration is crucial as it covers the au pair under the French social security system, providing insurance for:
Illness: General medical coverage.
Work Accidents: Protection against accidents during the au pair’s duties.
Maternity: Coverage for maternity-related health care.
By registering with URSSAF, you ensure your au pair is covered by the statutory social insurance, a legal requirement in France.
Private Health Insurance
Necessity of Comprehensive Coverage
In addition to statutory social insurance, au pairs require comprehensive private health insurance. This is mandatory for both EU and non-EU au pairs. The host family is responsible for covering the cost of this insurance, which typically includes:
Medical and Hospital Expenses: Coverage for doctor visits, hospital stays, and medical treatments.
Emergency Dental Care: Insurance for urgent dental issues that may arise.
Civil Liability: Protection in case the au pair accidentally causes damage or injury.
Repatriation Assistance: Coverage for the cost of returning the au pair to their home country in case of serious illness or accident.
Proof of Insurance for Visa Purposes
For non-EU au pairs, proof of comprehensive private health insurance is required by consulates and embassies when applying for a visa. This means it is the host family’s responsibility to ensure the au pair is adequately insured and to provide the necessary documentation for the visa application process.
Summary
In summary, as a host family in France, you are responsible for both the statutory social insurance and additional private health insurance for your au pair. Here are the key takeaways:
Register with URSSAF: Ensure your au pair is registered within 8 days of arrival to cover statutory social insurance.
Provide Private Health Insurance: Arrange and pay for comprehensive private health insurance that includes medical, dental, civil liability, and repatriation coverage.
Visa Documentation: Ensure proof of insurance is available for visa applications if your au pair is from a non-EU country.
By understanding and fulfilling these responsibilities, you can provide your au pair with the necessary protection and comply with French regulations.
Useful Links
URSSAF: Information and registration for statutory social insurance.
France-Visas: Visa application information for au pairs.
La Cimade: Support and information for foreign residents in France.
By ensuring these steps are followed, you can offer a safe and legally compliant stay for your au pair, providing peace of mind for both you and your au pair.
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