For an au pair stay,
health insurance is an important asset.
Everyone being different, each country
having it’s own rules, it is very important
to be insured by a company that adapts the
cover to both the au pairs and the families.
Some French insurances have adapted with the
au pair agencies a specific product. These
insurances are able to cover young people
coming from anywhere in the World and French
applicants who go abroad.
Most insurances offer the following
guarantees: health and accident medical
cover, emergency tooth care, repatriation in
case of illness, accident or death, Personal
Civil Liability * (including damage towards
the children for some insurances), payment
of a capital in case of disability, death,
luggage loss or damage. A small allowance
can be paid to cover part of accommodation
expenses (hotel) when an au pair has to be
relocated in a new host family (for French
applicants travelling abroad) or an
allowance can be paid to the French host
family if their au pair is hospitalized
during her stay in France. Some insurances
cover ski and other hazardous sports.
Civil Liability covers all material or
immaterial damage caused to a third party.
From the moment an au pair lives with a
family, for most insurances, she is no
longer considered as a third party, hence
the importance to apply through a
specialized company covering these stays.
The insurance has to be subscribed BEFORE
the beginning of the stay, so that the
au pair is covered from the moment she
leaves her own home. If the person forgets
to subscribe before the departure,
alternative solutions can be proposed.
Why is it important to take
private insurance ? Day to
day life can be hazardous. It is
very important that an au pair
can undertake her daily tasks.
An illness can cost a lot and
applicants and families may not
be able to afford the costs of a
Doctor, medicine, and a
hospitalization. A private
insurance is the best means to
cover any risk at an affordable
Tonsillitis: medicine and
doctor’s consultation: 95 €
Appendicitis: 8500 €
Bicycle fall: 2830 €
(consultation, medicine, corset)
Hotel costs between 2 families: