As an employer in France, you are obliged to provide your employees with a company supplementary health insurance plan. If you want to use the DUE (Décision Unilatérale de l’Employeur or Unilateral Decision by the Employer), you will have to follow a special procedure. Here is an explanation of the process from MIA Assurances, a broker specializing in group insurance!
There are several possible cases so we recommend first checking:
– If your National Collective Bargaining Agreement (“Convention Collective Nationale” or CCN), or a business sector federation agreement, requires you to use a specific insurer.
– If a collective bargaining agreement imposing the choice of insurer has been approved in your company.
If this is not the case, you are free to choose your insurer. Your choice will then have to be formalized and communicated to the employees by means of the DUE (Unilateral Decision by the Employer).
It is a document, in writing, committing the company to providing specific benefits (annual leave, bonuses, health insurance, etc.), which are more beneficial to employees than those provided under the Collective Bargaining Agreement. A company which issues a DUE agrees to respect its commitments, with immediate effect: this document is not binding on employees.
The employer, if they decided to use a DUE for the implementation of a supplementary health insurance plan, will have to formalize in writing the terms and conditions of application of the insurance plan. It’s important to be as precise as possible and in particular to include:
– The status of the members (employees and dependents),
– The benefits,
– The amount of the premiums and the portion paid by the employer,
– The terms and conditions for terminating the plan.
To find out how to register your DUE, go to interieur.gouv.fr