Complementary plans : Medical expenses, disability and death
Employee benefits in France are comprised of French social security benefits and complementary plans taken out by companies for their employees.
Compulsory state scheme: the state social security coverage
The state social security coverage protects citizens against the consequences of events qualified as “social risks”. It aims to be universal and equitable. Therefore it is compulsory for all the residents regardless of their :
- Place of residence
The social security’s general scheme is mandatory for the majority of private sector employees. It provides benefits aong others Healthcare and sickness, including medical expenses, maternity, survivors’ pensions and allowances, and death grants,
Complementary plans: Mutuelle
Often referred to as “Complémentaire santé” or “Mutuelle”. Since 2016, it has been mandatory for employers to provide supplementary private health insurance for all employees.
Social security covers part of health care expenses. Depending on the geographical location, the healthcare expense borne by the insured person may be high (optical, dental). The company’s insurance policy aims to cover all or part of these expenses (with a minimum and a maximum set by the law).
Death, short-term sickness benefits and disability
Often referred to as “Prévoyance”. These risks are usally insured within the same insurance policy.
Standard market practices :