2. Health Insurance Cover in France
- Health Cover for Self-Employed
- Health Cover for Cross Border Workers
- Health Cover for Retired Persons
- Health Cover for Early Retirees
- European Health Insurance Card (EHIC)
- Travelling Abroad from France
2.2. Health Insurance in France for Self-Employed
If you are relocating to France and propose to run a business then you obtain automatic affiliation to the French health system as part of the process of business registration.
Your business registration will take place at one of the registration centres, called the Centre de Formalités des Entreprises (CFE) e.g. Chambre de Commerce/Métiers. It can also be carried out on-line.
The local health authority (CPAM) will write to you inviting you to join the system, when some formalities will be required.
This includes those who register as an Micro-Entrepreneur who also automatically obtain health cover.
You and your family will all be covered for health care; there is no need for both husband and wife to set up a business as both are covered, provided one of them has a registered business.
Nevertheless, the economically inactive spouse/civil partner of a business owner or salaried person in France does have to make their own application for health cover, rather than as a dependant of their partner, an issue we considered in our Newsletter article Access to Health Care for EEA Residents.
As a self-employed person you will pay health insurance contributions as part of your other social security contributions.
If you are an existing self-employed person, but retain substantial links to your home EEA country, you can work in France for up to two years, and retain affiliation to your existing home social security and health system.
You need to obtain a Form A1 (formerly E101) from your social security authority, or from the HMRC in the case of the United Kingdom.
HMRC state that certain other conditions have to be met. The main ones are that the person has to:
- Habitually carry out substantial activities in the UK;
- Pursue the self-employed activity in the UK (generally for at least two months) before going abroad;
- Maintain the means in the UK to carry out the self-employment when they return.
You will need to provide all relevant information to HMRC who decide on a case by case basis.
Back: Form S1/E106 Health Cove
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