Since its gradual rollout, the 100% Health scheme has significantly transformed access to care in France. Its purpose remains unchanged: to reduce, or even eliminate, the out‑of‑pocket expenses borne by insured members for essential healthcare needs, while guaranteeing high‑quality services. In 2026, the scheme continues to evolve with improvements designed to enhance the insured experience and simplify the management of group insurance plans for employers.
MIA Assurances supports you in understanding these updates and their concrete implications.
A reminder: What is the 100% Health scheme?
The 100% Health reform allows insured employees to access fully reimbursed equipment, with no remaining costs, across three core categories:
- Optical (glasses)
- Dental (prosthetics)
- Audiology (hearing aids)
Employees benefit from this full reimbursement as long as they choose equipment included in the regulated 100% Health baskets, meaning they no longer have to pay upfront costs.
What’s new in 2026: Expansion of the care basket
For 2026, the reform focuses on optimization, adding two major enhancements to responsible contracts.
1. Wheelchairs (VPH): Strengthened coverage
Since December 1st, 2025, reimbursement for Véhicules pour Personnes en situation de Handicap (VPH) has been improved.
Key update:
For short‑term rentals (less than 6 months), insured members now benefit from full reimbursement (zero out‑of‑pocket cost), within regulated pricing limits.
2. Hair prostheses and accessories: Better reimbursement
Since January 1st, 2026, a new classification system increases reimbursement levels, especially for Class II prostheses (containing at least 30% natural hair or premium fibers).
Key update:
Class II prostheses are now fully covered, with no remaining cost for the insured, within the official Price Limit (PLV).
A smoother, more automated care experience
These adjustments aim to remove administrative obstacles, reduce upfront payments for employees, and strengthen coordination between healthcare professionals. Good news for companies and their employees: No action is required.
All updates related to the 100% Health scheme apply automatically, regardless of the contract’s start date. Guarantees are already active—there is no need to request any modification.
Progressive updates of documentation
Contractual documents will be updated transparently:
- For recent contracts: an amendment will be issued.
- For older contracts: updates will be included in the next renewal notice.
👉 Important: Even if the printed documents have not yet been updated, the new conditions (VPH and hair prostheses) are already applicable.
Ensured regulatory compliance with MIA Assurances
In a constantly evolving regulatory environment, MIA Assurances ensures that group insurance plans remain compliant with current requirements.
Employers do not need to manage technical or legal changes, keeping their employee benefits secure and fully aligned with regulations.
In summary
✅ Extended benefits: improved coverage for wheelchairs and full reimbursement for Class II wigs.
✅ Immediately effective: all updates are already active.
✅ No administrative steps: no action required from employers.
✅ Simplified experience: employees can already contact their management center for reimbursement.