Nurse, which insurance to choose?
We'll tell you everything you need to know about insurance if you're a nurse. In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What are your specific needs as a nurse? What are the main risks in your business? When do you become responsible as a nurse? We explain everything to you and give you the list of the best nursing insurance.
Summary
Nurse, what are your compulsory insurances?
What is the price of professional nursing insurance?
What is nursing professional civil liability insurance used for?
What are the best nursing insurance?
Nurse, what are your compulsory insurances?
Professional Liability
Status
Compulsory if you practice as a liberal and optional if you are an employee or a student on an internship.
Advice
Recommended for everyone to protect themselves in the event of misconduct or professional accidents (which may expose you to criminal charges)
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed.
Advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Car insurance
Status
Mandatory if you use a vehicle while performing your duties
Advice
If your vehicle is already personally insured, do not forget to include professional use in your contract (this is often possible).
Professional multi-risk
Status
Mandatory if you have a private workplace (practice)
Advice
Covers your business premises and loss of activity linked to a disaster (fire, burglary, etc.)
Foresight
Status
Optional
Advice
Daily allowance insurance is particularly recommended for liberals
What is the price of professional nursing insurance?
Professional Liability
Average price (€)
59 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Company mutual
Average price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car insurance
Average price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Multi-risk insurance pro
Average price (€)
40 € / month
Pricing criteria
Surface area, geographical area, turnover
Advice
To save money, some contracts also include RC PRO
Foresight
Average price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our nursing insurance comparators:
multi-risk-comparator-pro
COMPARE THE BEST PROFESSIONAL INSURANCE
Trainee nurse or student nurse: professional liability insurance is not compulsory but can be useful to be well covered in the event of a claim for acts carried out during your studies (with legal protection cover). Regarding the mutual, you can keep your complementary student.
What is nursing professional civil liability insurance used for?
The nursing RCP protects you in the event of damage caused to a third party during your professional activity. This concerns both personal injury and accidents at your workplace.
Although you do not have a legal obligation to take out professional liability insurance if you are an employee, this insurance is highly recommended. Indeed, a patient can call into question your personal responsibility when it has no connection with the establishment in which you work (example: intervention outside the establishment) and in the event of fault (example: overdose of a drug).
This insurance is compulsory if you are a private nurse.
What are the guarantees of the RC Pro nurse insurance?
Public liability
Main risks
Infectious, physical, chemical and allergic risks
Probability
Important
Comments
The hospital's liability is only retained in 90% of cases
Bodily accidents
Main risks
Fall of a patient in your practice
Probability
Average
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