What is civil servant insurance?

What is civil servant insurance?

Among the large working population that exists in France, civil servants represent a fairly large part. However, like any worker, civil servants are also entitled to insurance.

The difference is that the insurance that civil servants enjoy is little more specific to the point where there is an insurance called civil servant insurance. What does this insurance actually mean? Return to this question a little further down in this article.

What is civil servant insurance?
Definition of civil servant insurance
Civil servant insurance is coverage and protection particularly suited to civil servants.
This is insurance designed to protect civil servants in their daily lives, whether it is their family life, their professional life, their health, their travel, their leisure activities, etc.

The different types of civil servant insurance
Civil servant insurance comes in two types. On the one hand, there are insurance intended only for public officials. On the other hand, there is private insurance. These provide officials with specific terms and conditions.



Which workers benefit from civil servant insurance?
As we have already mentioned above, civil servant insurance is intended for civil servants. And the same is true for civil servant borrower insurance wishing to buy real estate.

These officials are, in fact, employees of the public service. They are divided into 3 categories namely:

State civil servants
These are agents who are directly employed by the state. These include the military, tax officials, national education teachers, gendarmes, municipal and non-municipal police officers.

Employees of the territorial public service
They are hospital officials. They work in establishments such as public retirement homes, public hospitals, child welfare establishments and public accommodation and social rehabilitation centers.

Employees of the hospital public service
They are agents who work within various structures. These include inter-municipal structures, public HLM offices, public establishments and local authorities.

What does civil servant insurance cover?
In principle, civil servant insurance covers all risks occurring in the professional or private life of a civil servant.

But we must admit that the risks covered by civil servant insurance are really numerous. Nevertheless, we can mention:

Home insurance for civil servants
This is insurance intended to cover all risks that could threaten the accommodation of the official. These are the risks of fire, burglary, flood or broken glass.

Civil servant auto insurance
This is insurance intended to cover all the risks that a civil servant might face with his automobile.

Thus, car insurance for civil servants is intended to cover damage and damage caused by vandalism, theft or an accident.

Home loan insurance for civil servants
This category of civil servant insurance is necessary insurance for a civil servant wishing to take out a mortgage with a bank.

Health insurance for civil servants
This is civil servant insurance intended to cover health costs that could be incurred in the daily life of a civil servant.

However, it is useful to note that just like with private sector employees, those in the public service are obligated to purchase health insurance.
But the difference is that it is through mutuals that civil servants buy health insurance. In addition, the mutual fund may be different depending on the ministry to which the civil servant is assigned.



What are the guarantees of civil servant insurance?
It must be admitted that civil servant insurance works the same way as traditional insurance.

Thus, just as is the case with traditional insurance, there are also three guarantee formulas with civil servant insurance. These include:

Third party guarantee for civil servants
This guarantee formula identifies with civil liability and is therefore compulsory.

This is therefore the minimum guarantee that a civil servant must have. This guarantee formula covers all damage caused by a civil servant to a third party.

Guarantee to the intermediary third party for civil servants
This is an average guarantee formula. It is halfway between the compulsory guarantee formula and the other guarantee formulas which can be