Health- Reimbursement

Health: The advantages of mutual health insurance

    Reimburse your health care in the event of illness Compensate for the most important expenses often poorly reimbursed by Social SecurityDental expensesOptical expensesHospitalizationSeveral levels of possible coverageTax advantage: Deduction of contributions from your professional income

Your health is your asset!

When we are young we think that health is a due!

Then when you get older, health becomes an asset. This is why Fides Patrimoine Finance develops a wide range of health solutions with its partners.

Health covers topics as different ashospitalization, medical expenses, dental I 'optical . These solutions are aimed at chiefs companies, liberal professions, non-salaried workers, TNS and company employees. In each section you have a minimum of basic guarantees then you can complete with more important guarantees. Insurance companies offer several formulas ranging from 1 to 7. Formula 1 being the cheapest with minimum guarantees, formula 7 is the one that reimburses the best since the guarantees are the most important. it is also the most expensive. Between the two, you can choose the one that suits you best and Fides Patrimoine Finance will be there to assess your needs and advise you. Given the growing needs of the population in terms of health and the delisting of many health care social Security the contributions of health insurance whether individual or collective have increased.

In any event, to be properly covered for a self-employed worker, a minimum of 130 euros per month is required. Of course it also depends on your age and other factors but this is an average.

Health is also for employees and expatriates.


Since 2016, all employers in the private sector have had the obligation to provide collective health insurance to their employees, and to participate at least up to 50% of the price of the contributions. But are all employees concerned? What are the minimum guarantees required? How to set it up? We take stock!

A “company health mutual” or “complementary company health insurance” allows any employee to complete their reimbursements of health costs in addition to the part reimbursed by Social Security.

Unlike individual complementary devices,company mutuals are collective arrangementswhich protect all the employees and managers of a company by offering guarantees adapted to the specificities of the company and/or the sector of activity.


Company health insurance: an obligation for employers.


Since January 1, 2016, employers in the private sector (excluding individual employers) must offer asupplementary collective health coverat theall of their employeeswho do not already have it.

This obligation appliesregardless of the seniority of the employeein the business.

In addition, coverage of the dependents (children or spouse) of the employee is possible (but not compulsory). It must have been decided by the employer or the social partners.

The company has the obligation to offer complementary mutual insurance to all employees, however an employee may request (in writing) awaiver of membership. For example :

  • if he already has additional cover(individual health insurance, complementary universal health cover or CMU-C, assistance with the payment of complementary health insurance or ACS)
  • if he already has collective coverage(in particular as a beneficiary)
  • if he is on a fixed-term contract(CDD) less than three months
  • if he is very part-time or if he is an apprenticeand that the contribution represents 10% or more of his salary.



Company health insurance: What are the mandatory minimum guarantees?


The complementary health insurance chosen must meet theminimum level of guaranteesrequired by law. At a minimum, it must guarantee:

  • the entire co-paymentat the expense of the insured for consultations, acts and services reimbursable by compulsory health insurance
  • the full daily hospital fee
  • dental expenses, up to 125% of the conventional rate
  • optical expenses, on the basis of a flat rate per two-year period (annual flat rate for minors and in the event of vision change), with a minimum of €100 for simple corrections and a minimum of €150 for complex corrections.

The employer must participate toat least 50% of the amount of the contributions, the rest being paid by the employee. The complementary can also concern the employees' beneficiaries, even if it is not an obligation.

In addition to these mandatory minimum guarantees, the complementary company health insurancecan offer additional services, For example :

  • THEthird-party payment
  • of thesupport services(for example: housekeeper, babysitter, etc.)
  • of thespecific devicesprevention and/or support (for example: screening for certain diseases).


How to set up mutual health insurance in your company?


To set up complementary health insurance, several solutions are available to the employer:

  • If they exist, the company must refer to thecollective agreementOrto the branch agreementon which it depends: provident and complementary health plans can in fact be imposed on the company.
  • In the absence of a branch agreement, the agreement can be found via acollective agreementnegotiated within the company itself, between the employer and the staff representatives.
  • In the event of failure of negotiations or in companies with less than 50 employees, the mutual insurance company is set up by aunilateral decision of the employer(DUE). A written document specifies the chosen device: name of the insurer, guarantees, contributions, etc.
  • In all cases Fides Wealth Finance can advise you by offering you a tailor-made solution.


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