Are you hiring in France and looking for information on setting up a group supplementary healthcare scheme? Here you can find out about your obligations as an employer, and the answers to your initial questions about setting up your group plan. Over and above the legal obligations, remember that optimal health coverage makes a difference to your employees: it’s proof of your ongoing commitment to improving their well-being!
Since January 1, 2016, all employers have been obliged to provide their employees with a group supplementary health insurance plan. This obligation applies to all companies, whatever their size: VSEs, SMEs, large operations, etc. The “ANI” law requires the company to put in place a supplementary healthcare plan with:
– A financial contribution from the employer who will have to pay at least 50% of the insurance premiums. The balance is paid by the employee.
– A minimum level of coverage.
– The plan being provided to all employees.
You will therefore have to choose a group supplementary health insurance plan to reimburse your employees’ medical expenses, in addition to their Social Security benefits.
In certain specific cases, your employee may ask to be exempted from the company supplementary health insurance scheme. To do this, they will need to make the request to you in writing stating the reason for the request.
Exemption is permitted in the following cases, for example:
If your employee is absent from the company while continuing to receive sick pay, for example, they will continue to benefit from the company health insurance plan co-funded by the employer.
Also, if your employee leaves your company (other than in cases of gross misconduct) and is receiving unemployment benefit, they may remain covered under your company’s health insurance plan if they wish. This system of maintaining entitlement is called portability.
However, if your employee chooses to take a break through sabbatical or parental leave, they will not be paid and will therefore not benefit from their supplementary health insurance plan.
To find out who to contact to set up your company’s group supplementary health insurance plan, you need to identify your situation:
To get the best advice on choosing your supplementary health insurance provider, please feel free us.
Remember that even though setting up a supplementary health insurance scheme for your employees in France is compulsory, you can turn it into a loyalty lever by offering a comfortable level of coverage and/or a contribution to premium payments of more than 50%. The well-being and health of your employees is an important part of your employer brand!