Can an employee keep the employer's supplementary health insurance (mutual) at the end of his contract?

Verified 26 November 2025 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)

You can still benefit of the complementary health (mutual) from your company (or the association that employed you) after the end of your contract of work. That's called the portability. Some conditions must be filled. Some specificities exist especially if you take your retirement or if portability ends. We present the rules according to your situation (jobseeker, pensioner or incapacity or disability pensioner).

Jobseeker

Portability allows you to continue to be protected for a certain duration after leaving your company after the rupture of your employment contract.

Indeed, you continue to benefit from:

For this, some conditions must be filled.

You can benefit from portability, if you complete all the following conditions:

Portability is applicable under the same conditions to rights holders who benefit from the guarantees at the date of termination of the employment contract.

You must prove to the mutual that you are covered by the unemployment insurance scheme.

FYI  

You will find the necessary certificate to benefit from portability on your personal space France Work, in dematerialized format.

Your employer reports that these safeguards are maintained in the work certificate and informs the mutual of the termination of your employment contract.

You continue to benefit from the company's supplementary health and pension guarantees at from the date of cessation of your employment contract.

You continue to benefit from the company's supplementary health and pension guarantees for a period of duration equal to the period of unemployment benefit.

This within the limit of duration:

  • From your last employment contract
  • Or, as the case may be, of the last employment contracts when they are consecutive with the even employer.

This period may not exceed 12 months (1 year).

The maintenance of your coverage ceases:

  • At the end of the retention period (example: you are no longer compensated by France Travail (formerly Pôle emploi)
  • Or in the event of resumption of a new job resulting in the end of your unemployment benefit.

This maintenance may not exceed 12 months (one year).

The contract or the convention must foresee the terms and rates of new contracts or agreements.

The insurer sends you a proposal individual maintenance of guarantees (called the “ Evin Law ») no later than 2 months after the end of portability,

This new contract:

  • East paying
  • N is not limited over time
  • Not concerned than health care costs and not foresight.

For benefit of this proposal, you must make your request no later than 6 months after the end of the portability.

Safeguards maintained

You have the keeping it identical of the warranty collective and mandatory ‘healthcare costs’ which you benefit from when you leave the company.

FYI  

The insurer is not obliged to maintain this guarantee for your beneficiaries (family contract, for example).

Cost of maintaining complementary health

You can benefit from holding of the complementary health (mutual) company, as individual and paying.

Rates may not be higher than 50% the global tariffs (employer and employee shares) applicable to active employees.

The progressive capping of tariffs is spread over 3 years:

  • 1era year: rates equal to assets
  • 2e year: maximum 25% superior
  • 3e year: maximum 50%

FYI  

The amount of the contribution is freely fixed from the 4e year.

Yes, you must inform the insuring body of the cessation of payment of unemployment insurance benefits.

Retired

The insurer addresses you a proposal for retention individual guarantees no later than 2 months after the end of your contract.

This new contract:

  • East paying
  • N is not limited over time
  • Not concerned than health care costs not foresight.

You must ask to benefit from this proposal no later than 6 months after the end of your employment contract.

You have the keeping it identical the collective and compulsory guarantee « health care costs » which you benefit from when you leave the company.

You can benefit from holding of the complementary health (mutual) company, as individual and paying.

Rates may not be higher than 50% the global tariffs (employer and employee shares) applicable to active employees.

The progressive capping of tariffs is spread over 3 years:

  • 1era year: rates equal to assets
  • 2e year: maximum 25% superior
  • 3e year: maximum 50%

FYI  

The amount of the contribution is freely fixed from the 4e year.

Incapacity or disability pension

You are a beneficiary of a disability or invalidity pension and your employment contract has ended. No later than 2 months after at the end of your contract, the insurer sends you a proposal the maintenance of guarantees on an individual basis.

This new contract:

  • East paying
  • N is not limited over time
  • Not concerned than health care costs not foresight.

You can ask to benefit from this proposal no later than 6 months after the end of your employment contract.

You have the keeping it identical the collective and compulsory guarantee health care costs ” which you benefit from when you leave the company.

You can benefit from holding of the complementary health (mutual) company, as individual and paying.

Rates may not be higher than 50% the global tariffs (employer and employee shares) applicable to active employees.

The progressive capping of tariffs is spread over 3 years:

  • 1era year: rates equal to assets
  • 2e year: maximum 25% superior
  • 3e year: maximum 50%

FYI  

The amount of the contribution is freely fixed from the 4e year.

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