Covers part or all of the difference between actual healthcare expenses and the part covered by the Social Security – which already covers approx. 100% of all ‘serious’ healthcare costs and around 70% of ‘everyday’ healthcare costs.
As of 2016, it has become compulsory for employers to provide a private health insurance to complement the healthcare reimbursements of French Social Security.
This is provided by private insurers with a variety of coverage levels/rates, with minimums set by law and collective bargaining agreements. This coverage will thus be slightly different from one employer to the next – but bear in mind the vital and major part of healthcare costs are already reimbursed through Social Security in France.
In our Neteem PEO package
Neteem provides the level of coverage negotiated by the Syntec collective bargaining agreement (applicable for all consulting & technology companies, even though we apply the compulsory Portage salarial CBA, this is the level expected by our consultants who usually come from Syntec-backgrounds). The benefit/cost ratio of this coverage is good (47€/month in 2020, split 50/50 between employee and employer). The children of the employee are automatically covered for that cost.
The employee can also opt to register his spouse or partner and can also choose 3 higher levels of coverage if need be. The extra cost of these will be his sole responsibility (up to 47€/month extra for option 3 coverage of employee & children, and between 34€-70€ for basic to option 3 spouse coverage). The contributions for the options will be dealt with through payroll, deducted from net pay.
The base coverage is legally compulsory, and thus must be proposed to any new employee.
However, there are a few cases when the employee can refuse the coverage (e.g. if they are already covered by their spouse’s compulsory coverage, or if they are on a short-term contract and want to keep their own coverage etc.)
Details of the levels of coverage and options/costs available can be downloaded here.