Social coverage in a French EOR complete solution: how are you protected?

The problem is that when you’re not a specialist in these topics, it can be difficult to understand how everything works…
But no worries — 2i Portage clearly explains the full social protection offered to employees under a French EOR complete solution.

Full social protection thanks to employee status

By signing an employment contract with a French EOR complete solution provider, you become a full employee of that company.

As such, you are covered by the general French Social Security system, just like any other employee.

And that’s excellent news, because this social protection includes:

• Health insurance, which covers part of your healthcare expenses (consultations, medication, hospital stays, etc.).
• Daily allowances in the event of sick leave or a work‑related accident.
• Disability insurance, which protects you in case you are unable to work due to illness or an accident.
• Unemployment insurance, which gives you access to unemployment benefits if you lose your job.
• etc.

As an employee under a French EOR complete solution, you contribute to the same social funds as any other employee and benefit from the same rights.
This is one of the major advantages of the French EOR model compared with other statuses such as independent contractors or self‑employed workers.

But let’s take a closer look.

Daily allowances in the event of illness

If you are working under a French EOR complete solution and you become ill, you can receive sick leave prescribed by your doctor.

Since 1 January 2018, there is no longer any seniority requirement or minimum contribution period to qualify for daily allowances.
You simply need to be an employee at the time the sick leave is prescribed in order to be eligible.

Here’s how it works in practice:

1. You must send your sick‑leave certificate to your French EOR complete solution provider and to the Social Security office within 48 hours.
2. Social Security begins paying daily allowances from the 4th day of sick leave (after a 3‑day waiting period).

These allowances correspond to 50% of your basic daily salary (generally calculated over the last three months) and are paid to you for the entire duration of your sick leave, up to a limit of 360 days over a three‑year period.

The small but important detail to know: your salary is not maintained by the French EOR complete solution provider during your sick leave.
You only receive the allowances paid by Social Security.

A mandatory company health insurance plan

Since January 1st, 2016, all companies — including those operating as a French EOR complete solution — are required to provide their Consultants with a mandatory collective health insurance plan.

This complementary health insurance covers what the French Social Security system does not, taking care of all or part of the following:

• your excess medical fees
• your optical, dental, and hearing care expenses
• your consultations with non-contracted healthcare providers
• your additional charges in case of hospitalization
• your daily hospital charge

This health coverage can be combined with additional provident and retirement plans, specifically designed to meet the needs of self‑employed professionals working under a French EOR complete solution.

Workplace Accidents and Occupational Illnesses: What Coverage Is Provided?

As an Employee under a French EOR complete solution, you are also covered in the event of a workplace accident or an occupational illness. If you experience an incident linked to your professional activity (at your workplace, during business travel, etc.), you are entitled to specific coverage, including:

• 100% coverage for all medical care related to the accident (hospitalization, medication, rehabilitation, etc.).
• The payment of daily allowances in the event of sick leave, with no waiting period and at a more advantageous rate (60% of your salary for the first 28 days, then 80%).
• a pension in the event of partial or total permanent disability.
• the coverage of funeral expenses and a pension for beneficiaries in the event of death.

To access these benefits, you must report the accident to your French EOR complete solution within 24 hours. They will then handle all the formalities with the French Social Security administration.

The recognition of an occupational illness follows a similar process. The illness must appear on an official list and meet specific criteria (timeframe for coverage, duration of exposure to the risk, etc.). Here too, the coverage is more advantageous than for a non‑occupational illness.

Unemployment protection identical to the standard Employee system

Since 2015 and the latest reform of the French EOR complete solution framework, Consultants contribute to the unemployment insurance system and benefit from the same rights as Employees on permanent (CDI) or fixed‑term (CDD) contracts.

In the event of an involuntary loss of activity (end of assignment, termination of the employment contract, etc.), you are therefore eligible to receive unemployment benefits.

It will be calculated based on your average salary over the past 12 months, up to the regulatory ceiling. The amount and duration of the allowance will depend on your age and the length of your affiliation with the unemployment insurance system as a Consultant under a French EOR complete solution.

In short: optimal social protection for Consultants under a French EOR complete solution

In summary, by choosing a French EOR complete solution, you secure strong social protection and optimal coverage in all circumstances. Whether you face illness, an accident, or a period of sick leave, you benefit from the same guarantees as traditional Employees:

• Partial coverage of your healthcare expenses by the French Social Security system.
• Payment of daily allowances in the event of sick leave or a workplace accident.
• Access to a company health insurance plan to supplement your reimbursements.
• Retirement contributions and entitlement to unemployment benefits.
• Specific coverage in the event of an occupational illness or workplace accident.

It’s the assurance of being well protected while enjoying the flexibility and autonomy of independent work — a valuable advantage for anyone wishing to become a freelancer or test their activity without giving up their social protection.

2i Portage, a specialist and pioneer in the French EOR complete solution model, supports you in making the most of this status. We offer you a tailored employment contract, high‑quality service, and simplified management of your activity. With us, you can focus on your assignments with complete peace of mind, backed by the guarantee of comprehensive social protection.