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Mutual & Insurance

Mandatory company supplementary health insurance: exemption cases and employees' rights

Understanding the mechanisms of the mandatory employer-sponsored health insurance and the employees' rights regarding exemptions requires a certain administrative finesse. Between legitimate cases of...

The guide to zero out-of-pocket costs: everything you need to know about the 100% Santé reform

The 100% Health reform has transformed access to care in France. Since 2021, it guarantees a zero out-of-pocket cost for certain essential devices: eyeglasses,...

How to read a supplementary health insurance coverage table without making a mistake

You receive your complementary health insurance coverage table and you are immediately lost: BRSS, OPTAM, percentages, allowances, caps… These technical documents seem written in...

The difference between social security, mutual health insurance and provident insurance : the complete guide

In short: Social security, the mutuelle and income protection form the three pillars of French social protection. Social security provides a mandatory basic coverage,...

Understanding how excess fees work and how they are covered

Fee overruns represent the difference between the price charged by a doctor and the rate set by Social Security. Compulsory health insurance never reimburses...

The best mutual health insurance plans for micro-entrepreneurs and self-employed workers in 2026

In short – Choosing a mutual insurance when you are a self-employed or non-salaried worker is not a legal obligation, but it is a...

Changing supplementary health insurance during the year : how-to guide and letter templates

In short: Changing mutual health insurance during the year is possible thanks to the loi Hamon and other legal provisions. This process requires knowing...

How to get your glasses reimbursed with no out-of-pocket cost with the 100% Santé

The 100% Santé reform, fully implemented since 2021, offers the French the possibility of getting prescription glasses without spending a cent, under certain conditions....

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