Salut a tous,
Il y a quelques jours je vous poser une question et maintenant j'ai la reponse, alors je viens vous en faire profiter.
Je pars travailler a Monteal pour un an, j'ai donc un contract detabli. Je me demandais s'il fallais que je prenne une mutuelle avant de partir ou voir ca la bas.
Et au final, vu qu'il y a un contract d'etabli, l'employeur cotise a une mutuelle pour l'entreprise, ca sera donc a moi de voir pour une mutuelle complementaire par rapport a la couverture scocial obtenu dans la boite.
Voila, c'etait pourtant logique... mais bon!
A bientot
Bonjour,
L'entreprise cotise a une mutuelle pour ses employers, et de mon cote je vas prendre une mutuelle en complementaire.
Donc, oui ca me permettra obtenir les droits scociaux quebecois.
Je ne comprend toujours pas 🙂 Autant que je sache, les mutuelles françaises couvrent une bonne partie des frais médicaux. Au Québec, les citoyens sont couvert par la Régie de l'Assurance Maladie. Le financement de celle-ci vient de contribution obligatoires des employeurs au régime public et d'une partie des impôts, taxes et revenus du gouvernement. Depuis quelques années, toute personne doit contribuer à une assurance qui peut ressembler à vos mutuelles. L'exigence minimum est de couvrir une partie du coût des médicaments. En général, les régimes offerts par les employeurs couvrent un peu plus que cela.
La situation est un peu similaire pour les retraites : un régime public auquel tout travailleur doit contribuer ( La Régi des rentes du Québec ), dans certaines entreprises un régime de pension volontaire ou obligatoire, et la possibilité de contribuer à un régime personnel avec des exemptions fiscales.
Il y a aussi un régime public d'Assurance-Emploi ( que tout le monde appelle encore "assurance-chomage" ) auquel contribuent les employés ( déduit de leur paie ) et les employeurs.
Dans les trois cas, je ne sais pas si vous êtes éligibles aux bénéfices. Je ne sais pas si vous devrez contribuer à la Régie des rentes et ;a l'assurance chomage ( une ponction modérée sur le salaire "nominal" ) et je ne sais pas si vos impôts seront ajustés s'il s'avère que vous n'êtes pas éligibles à l'Assurance santé.
Vous auriez avantage à vérifier cela. La réponse m'intrigue sincèrement.
... essaie de te renseigner auprès de la C.F.E. (Caisse des Français à l'Etranger) à Paris
elle gère des salariés français expatriés ou détachés à l'étranger pour le compte d'employeurs français, mais dispose certainement d'informations utiles
tu peux aussi avoir des infos auprès de compagnies d'assurances privées lesquelles ont le droit de couvrir ce genre de salariés pour tous les risques normalement couverts par un régime obligatoire de sécurité sociale ... (ex. Groupe Heller, ...)
Attention la couverture de la RAMQ est tres faible, si tu es detache par ton entreprise
c'est la secu francaise qui marche, mais de toutes facons il faudra acquitter
au minimum 20% des frais medicaux, pas de mutuelles a QUEBEC, sauf a prix exorbhitant.
Le pb le plus grave c'est en cas d'hospitalisation urgente, la SS francaise rembourse
au retour, mais il faut avancer des sommes colossales a la RAMQ, pour parer a ca
j'ai pris EUROPE ASSISTANCE qui fait les avances de fonds, te donne une couverture juridique et une assistance routiere, un prix "cadeau" a 120 E par an, de tres bon services.
Fais gaffe si tu vas faire un tour aux USA, c'est carrement l'horreur en cas d'hospitalisation.E A couvre les USA/LE CANADA et le monde entier sauf 20 pays;
Travailler, étudier et vivre à l'étranger › Québec › Montréal et Laval · 12 replies
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Travailler, étudier et vivre à l'étranger › Québec › Montréal et Laval · 3 replies
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READY, SET...... GO...... TO YOUR KEYBOARDS!!!!!!!! lol
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