International mobility: protecting your employees, worldwide

Sending an employee abroad fully engages the employer’s responsibility.
Health, disability & life insurance, assistance, pension: every international mobility situation requires tailored, compliant and coherent employee benefits solutions.

 

At MIA Assurances, we support companies globally.

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Context & Challenges

Why international mobility cannot be improvised

International mobility exposes both the company and its employees to several risks:

  • Lack or insufficiency of health coverage abroad
  • High medical costs in certain countries
  • Lack of assistance in case of emergency or repatriation
  • Loss of social benefits (disability & life insurance, pension)
  • Non-compliance with employer obligations (Duty of Care)

The diversity of situations (expatriates, secondees, short-term assignments, remote work abroad…) requires a tailor-made approach, far beyond standard contracts.

Mobility situations

A tailored solution for each situation

We support companies across all types of international mobility cases, with a personalised approach adapted to employee status, destination countries and the specific challenges of each assignment.

Expatriation
  • Long-term assignment with departure from the French workforce
    French Social Security rights cease: dedicated international health and disability coverage is essential, along with pension considerations (CFE, CRE IRCAFEX)
Remote work abroad
  • Increasingly common, with complex social and insurance implications
    Each situation requires an individual analysis
Secondment
  • Long-term assignment while remaining affiliated with the French system
    Employee benefits must be supplemented with international coverage, particularly for healthcare abroad
Short-term business trips
  • Occasional or recurring assignments of less than 6 months
    Specific mobility insurance is required to cover medical risks, assistance and repatriation

Employers obligations

Employee safety and regulatory compliance

The employer is subject to a duty of protection known as Duty of Care.

 

Failure to provide adequate coverage or prevention measures can trigger civil or even criminal liability for the company.

 

 

International mobility must be aligned with health, disability & life insurance and executive insurance schemes to ensure consistent protection before, during and after the assignment.

Effective access to healthcare abroad

 

Coverage of health and security risks

 

Information provided to employees

 

Compliance of social protection schemes

 

Key coverage

Comprehensive protection for your employees

Coverage is defined based on:

  • Destination country
  • Duration of assignment
  • Employee status
  • The company’s employee benefits policy

International mobility solutions may include:

  • International health insurance (first euro coverage or top-up to CFE)
  • Disability & life insurance (death, disability, sick leave)
  • Private liability insurance abroad
  • Country-specific guarantees for high-risk destinations
  • International pension solutions (maintenance or reconstruction of rights)

MIA Approach

Structured, expert and international support

Our approach is based on:

  • Analysis of mobility situations and associated obligations
  • Benchmarking of market solutions
  • Structuring of compliant and coherent programmes
  • Coordination with insurers and social security bodies
  • Long-term follow-up (changes, feedback, status transitions)

 

Our international DNA and experience with both French and international companies enable us to secure complex mobility environments.

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FAQ

We answer your questions about international mobility

All our answers
Is a French health insurance plan sufficient abroad?

No. It is rarely adapted to healthcare costs and medical practices outside France.

Should an employee be insured for a short-term assignment?

Yes. Even a mission of a few days engages the employer’s responsibility.

 

Is CFE mandatory?

No, but it can be a relevant option depending on the employee’s situation.

One solution for every profile

You are a

Foreign Company in France

You are a

Founder & Small Business

You are an

Executive and Self-Employed Professional

You are a

SME & Mid-Cap Company

You are a

Prospective Partner

Learn more about international mobility

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