Life and disability France

Life insurance in France provides financial protection against unforeseen events such as death, disability or incapacity for work. At AMBRELIA, we help you assess your needs and choose the best provident solution to ensure your peace of mind.

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Life insurance France

Together, let’s protect what matters

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Anticipation

We help you anticipate the unexpected by ensuring financial security for your employees and their families against life’s uncertainties: disability, incapacity, or death.

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Protection

We design tailored welfare solutions, taking into account your HR, contractual, and budgetary constraints, to effectively meet the needs of your teams.

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SUPPORT

As a trusted partner, we provide personalized and lasting support, adjusting coverage over time as your organization evolves, to ensure long-term peace of mind.

The three levels of life and disability cover in France

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Basic social security scheme

This scheme provides basic cover for events likely to result in loss of income, such as illness, maternity, accidents, unemployment or death. Benefits will be paid after a waiting period, generally three days for absence from work due to illness or accident.

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Compulsory supplementary scheme

Employers are required by law to provide supplementary provident cover. The law of 19 January 1978 requires companies to guarantee a certain level of salary to employees with at least one year’s seniority in the event of sick leave or accident. In addition, the national collective agreement of March 1947 requires death cover for managerial staff.

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Personalised needs assessment

The first step in taking out a group insurance policy is to assess the specific needs of your employees and their families. Ambrelia will help you analyse the amounts covered by compulsory schemes and define the additional cover required. Thanks to our expertise, we can find you the best deals from our insurance partners.

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Typical benefits under group life and disability insurance contracts

Daily allowances

Paid in the event of temporary work stoppage, they compensate for loss of income during the period of incapacity.

Education annuity

A benefit intended for dependent children in the event of the death of the insured, to finance their education up to a specified age.

Life annuity

A benefit paid for life in the event of loss of independence or total and permanent disability, providing a regular income.

Death benefits

A sum paid to beneficiaries in the event of the policyholder’s death, to help the family cope with the financial consequences.

The double effect

An additional benefit offering a lump sum in the event of simultaneous or subsequent death of the insured and his/her spouse.

Group life and disability insurance for companies

This level of cover is designed to supplement the benefits provided under the compulsory scheme and the supplementary scheme. Companies can choose whether to make this cover compulsory or optional for their employees, thus providing additional protection against the hazards of life.

Protect your employees with our life and disability insurance for France.

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