Question 11317 — supplementary insurance

Summary

Mr. Benjamin Saint-Huile questions the Minister of Health and Prevention on the obligation, since 2016, for all employers in the private sector, to provide collective health insurance to their employees and to contribute at least 50% of the price of contributions. This company mutual insurance, unlike individual supplementary schemes, is a collective scheme which makes it possible to protect all the employees and managers of a company by offering guarantees adapted to the specificities of the company. An exemption system has nevertheless been provided for under certain conditions, including that of already being covered by a mutual insurance company on an individual basis. The membership exemption is therefore granted until the end of the individual contract. However, these contracts have an annual expiration by tacit renewal, effectively limiting the exemption to 1 year maximum. This system appears unfair to certain employees who had subscribed to a mutual insurance policy more advantageous than that offered by the employer, which in certain cases obliges employees to combine two mutual insurance schemes and which therefore causes very significant costs. This obligation, which had the laudable aim of offering mutual insurance to all employees who do not already have one, appears to be detrimental for a certain number of employees. This is why he wants ask them about the possibility of adjusting the law which came into force on January 1, 2016 in order to relax the conditions for exemption from the obligation to subscribe to their employer's mutual insurance and thus leave the employee free to choose the coverage best suited to their needs.

Machine translation from French. The official text remains authoritative.

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