Understand before choosing
A review centred on your circumstances.
Private-sector employers must generally offer collective supplementary health cover and fund at least 50% of the contribution, subject to statutory exceptions.
Check the applicable collective agreement
A sector agreement may impose minimum benefits or an employer contribution above the statutory minimum. The first step is therefore to identify the collective framework that applies to the company.
Exemptions from membership
Some employees may request an exemption in cases provided by law or by the scheme rules. Supporting evidence and eligibility conditions must be handled correctly by the employer.
Benefits and social budget
Beyond the minimum basket, a company may choose enhanced benefits, dependent cover or several benefit levels. The employer's cost, the employee's contribution and the scheme's clarity need to be balanced.
Compare the whole policy.
Price only makes sense alongside cover, deductibles, limits, exclusions and conditions. We collect the relevant information and present available solutions without promising cover that is not provided by the policy terms.
Questions
The essentials.
Must the employer pay at least half of the contribution? +
Yes. The employer's contribution must be at least 50% of the contribution for the compulsory collective health cover.
Must every employee join? +
Membership is compulsory as a general rule, but some employees can qualify for an exemption when the statutory conditions are met.
Useful references
Further information.
The general rules presented on this page are based on French public sources. The cover applicable to your case remains the cover stated in the proposed policy.