Should I offer my new employee(s) in France complementary schemes in terms of medical and life insurance over and above the standard French provisions?
It is worth noting that the compulsory healthcare cover in France is relatively comprehensive compared, say, to the USA or even the UK The contributions on top of salary by the employer and the employee to French social security, pensions and unemployment schemes are however significant. There may also be top-up contributions to complementary schemes and some of these are mandatory under the applicable collective bargaining agreement. It follows that because the contributions to French social security, pensions and unemployment schemes in France are high, most employers do not usually offer any more than the compulsory cover. That said, it would be normal practice in France to offer mutual health insurance cover which would provide a top-up over and above the cover provided by the French social security system for managerial grade employees.
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