11 - FOREIGN INVESTORS RESIDENCE AND WORKING CONDITIONS INSURANCE Foreign nationals can take out insurance policies in the same way as French nationals. These policies are strongly recommended, and some are compulsory. Personal insurance: - CAFAT/RUAMM It is compulsory for everyone (employees, the self-employed, company directors, etc.) to join a health insurance scheme in order to benefit from social cover. You must register with the Centre de Formalité des Entreprises (CFE) when you hire an employee or within one month of registering your company. - Mutual insurance Paying a contribution to a supplementary health insurance scheme means that your healthcare costs will be reimbursed on a larger scale. Company insurance: There are several types of professional insurance: - Business property insurance: premises and vehicles are compulsory, equipment, stock, etc. - Business insurance: professional civil liability, comprehensive professional indemnity, etc. - Personal insurance (company directors, spouses, employees, etc.): retirement, unemployment, provident fund, etc. - Business interruption insurance... Certain professions must also take out specific insurance (tourist agents, ten-year insurance for the construction industry, etc.). USEFUL CONTACTS Caisse de compensation des prestations Familiales, des Accidents du travail et de prévoyance des Travailleurs de Nouvelle-Calédonie (CAFAT) (New Caledonian workers' compensation fund for family benefits, work-related accidents and welfare) List of approved insurance companies in New Caledonia here Committee of Insurance Companies (COSODA) 105
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