Group Health Insurance
French law requires every company to offer its employees supplementary health cover. Group Health Insurance tops up state healthcare reimbursements, from everyday care to hospitalisation.
What it covers
Consultations and everyday care
GP or specialist visits, pharmacy, tests: out-of-pocket costs after state reimbursement are reduced.
Hospitalisation
Private room, daily hospital charge, fee excesses: costs linked to a hospital stay are covered.
Optical and dental care
Glasses, lenses, dental care and prosthetics: items often poorly reimbursed by the state scheme.
Dependants
The employee's spouse and children can be added to the group policy, depending on the terms chosen.
What it does not cover
- Care not recognised by the state health system is generally not reimbursed, unless a specific option applies.
- An employee in a waiting period when hired may have their cover delayed by a few weeks.
- Fee excesses beyond the policy's caps remain the employee's responsibility.
Who is it for?
You're hiring your first employee
From the very first hire, employers must offer group health cover.
Your current policy no longer fits your needs
Outdated cover levels or rising premiums: a good moment to compare the market.
You want a standout employee benefit
A strong group health policy matters for retention and recruitment, just like salary.
Frequently asked questions
Is it really mandatory?
How much must the employer fund?
Can an employee opt out?
Can cover levels vary by role?
These coverages often go together
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