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 set by the SYNTEC collective bargaining agreement (applicable for all consulting & technology companies). Due to the volume effect of this compulsory benefit (Malakoff Mederic covers virtually all the Syntec branch companies), the cost is relatively low for the level of coverage it provides (47€/month in 2017 for coverage of employee and children, 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 higher levels of coverage if need be. The extra cost of these will be his sole responsibility (up to 47 €/month for option 3 coverage of employee & children, and between 34€-74€ for basic – to option 3 spouse coverage ). The contributions for the options will be dealt with through payroll, deducted from net pay.
It is compulsory coverage, 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 thier own coverage etc.)
Details of the levels of coverage and options/costs available can be downloaded here.