If you’re planning to work in Europe, one of the most important things to know is — “Will I get health insurance and other employee benefits?”
The good news is, yes, most European countries provide comprehensive worker protections, including health insurance, paid leave, social security, and retirement contributions.
These benefits apply to both EU citizens and non-EU foreign workers, as long as you are employed legally with a valid work permit and residence card (TRC).
Let’s explore what kind of insurance and benefits you can expect when working in Europe through verified employers like EUHelpers.
Health Insurance for Workers in Europe
Health insurance is one of the most important benefits provided to employees across European countries. It ensures that you receive medical care in case of illness, injury, or emergency without facing high out-of-pocket costs.
Here’s how it works:
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Employers are legally required to register their employees for public or private health insurance.
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The insurance covers doctor visits, hospital care, prescriptions, and emergency treatment.
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Premiums are usually shared between the employer and the employee, automatically deducted from your salary.
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In many cases, your family members can also receive partial coverage through your plan.
Every country has its own system, but the principle is the same — workers have access to healthcare as a basic right.
Examples of Health Insurance Systems in Europe
| Country | Insurance Type | Key Features |
|---|---|---|
| Germany | Public (Statutory Health Insurance – GKV) | Mandatory for all workers; covers doctor visits and hospital care |
| Poland | National Health Fund (NFZ) | Employers register foreign workers automatically |
| Croatia | Croatian Health Insurance Fund (HZZO) | Covers foreign employees with valid contracts |
| Portugal | National Health Service (SNS) | Free or low-cost healthcare for all legal residents |
| Greece | EFKA Insurance | Covers workplace accidents, medical visits, and hospitalization |
| Moldova | Compulsory Medical Insurance (CNAM) | Employers provide full coverage for registered workers |
If you are hired through EUHelpers, your employer ensures you are properly registered for insurance according to national regulations.
Other Employment Benefits You Receive
In addition to health insurance, European employers are required to provide several other employee benefits and protections.
1. Paid Leave and Holidays
Most European workers receive:
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20–30 paid vacation days per year (depending on country)
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Public holidays off with pay
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Sick leave with partial or full salary
2. Social Security and Pension Contributions
Employers contribute to your social security account, which covers:
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Unemployment support
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Disability benefits
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Retirement pension
This ensures long-term security even after your employment period ends.
3. Work Accident and Life Insurance
If you are injured while working, you’re protected under workplace accident insurance.
This covers medical treatment, compensation, and recovery time, ensuring full protection on the job.
4. Family and Maternity Benefits
Some European countries offer child benefits or paid maternity/paternity leave for workers with families.
5. Housing and Meals
In many blue-collar or seasonal jobs, especially through EUHelpers, employers provide:
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Free or subsidized accommodation
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Daily meals or food allowances
This makes it easier for foreign workers to save more from their income.
How to Access Your Health Insurance in Europe
Once registered by your employer, you’ll receive a health insurance card or number.
With it, you can:
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Visit public hospitals and clinics
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Access emergency services
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Buy medicines at reduced cost
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Receive preventive checkups
If you change jobs, your new employer will register you again under their company insurance.
Benefits for Foreign Workers with a Work Permit
If you are working legally in Europe with a valid work permit or TRC (Temporary Residence Card), you have the same labor rights and benefits as local employees.
EUHelpers ensures all job offers include:
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Health and accident insurance
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Legal work contracts
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Fair pay and safe working conditions
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Visa and documentation support
This transparency protects workers from illegal or unsafe job arrangements.
FAQs
1. Do foreign workers get health insurance in Europe?
Yes. All legal foreign workers are covered under public or employer-provided health insurance.
2. Do I have to pay for health insurance?
Partially. Employers usually share the cost and automatically deduct your small contribution from your salary.
3. What happens if I get sick while working?
You’ll receive medical treatment under your insurance plan, and you may also qualify for paid sick leave.
4. Are part-time workers eligible for benefits?
Yes, but benefits may vary depending on your working hours and contract type.
5. How does EUHelpers ensure worker protection?
EUHelpers partners only with verified employers who provide insurance, legal contracts, and fair working conditions.
Conclusion
Yes — if you work legally in Europe, you are fully entitled to health insurance and employment benefits. From medical coverage to paid leave and housing support, European labor laws protect both local and foreign workers.
With EUHelpers, you can find verified, legal job offers that include insurance, accommodation, and visa assistance — ensuring a safe and stable career abroad.
Apply now at EUHelpers.com to start your European work journey with confidence and full protection.