Supplementary health and pension provision in the State civil service

Verified 27 March 2026 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)

If you work in the public service of the State, you must mandatory adhere to collective health insurance contract, except in certain situations. You also have the possibility to join a collective pension contract. These contracts are respectively intended to improve the coverage of your medical expenses when you are sick, injured or on maternity leave (supplementary health) and your compensation terms when you are unable to work (pension). We present you the information to know.

Complementary health

One complementary health, commonly referred to as mutual, is intended to cover, in whole or in part:

  • The fees medical causes caused by illness, a maternity or a accident remaining at your expense after reimbursement by the Social Security Health Insurance
  • Or the medical expenses not reimbursed by the Health Insurance.

Since 1er January 2025, State administrations gradually propose collective supplementary health contracts.

All State administrations are concerned: central and devolved ministerial services, independent administrative authorities, independent public authorities, public institutions of the State.

Membership to this collective agreement is mandatory, except in special circumstances.

Part of the amount of the contribution to this collective contract is covered by the employer's administration.

You must join the collective agreement signed by your employer administration if you are employed and remunerated by a State administration.

No age requirement is required.

You continue to benefit from the collective supplementary health contract in the following situations:

You are part of the active beneficiaries.

The following persons may also apply to join the collective supplementary health contract, subject to certain conditions:

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Retired

If you are newly retired, you can apply to join the collective agreement entered into by your last employer administration if you fulfill the 2 following conditions :

  • You were employed and remunerated by a State administration on the date of your cessation of activity for retirement or in a situation giving the right to benefit from the collective contract (availability for health reasons, caregiver leave, etc.)
  • And you receive a retirement pension from the State Pension Service (SRE), theIrcantec: titleContent, theAgirc-Arrco: titleContent or the Special Pension Fund for Workers in State Industrial Establishments (FSPOEIE).

You must apply for your membership within one year of your retirement.

If you are retired on the implementation date of 1er collective contract signed by your last employer administration, you can apply to join this contract. Membership is possible if you had fulfilled the conditions required to join the collective contract as a retiree if this contract had been subscribed to on the date of your retirement.

You must apply for your membership within 2 years after the effective date of the collective agreement or, if the contract has already taken effect on 10 November 2025, in 2 years after November 10, 2025.

You are part of the retired beneficiaries.

If, after your admission to retirement, you are engaged in a remunerated activity that allows you to obtain a new retirement pension, you can no longer benefit from the collective contract of your last employer administration.

Spouse of a public official

If you live as a couple with an active or retired beneficiary, you can apply to join, asentitled person, the collective agreement of its employer administration or of its last employer administration.

You can join at any time the collective agreement entered into by the employer administration of the active beneficiary or by the last employer administration of the retired beneficiary to which you are entitled.

No age requirement is required.

You are part of the entitled beneficiaries.

Child or grandchild of a public official

You can apply to join at any time, as a right holder, to the collective agreement of the employing authority of an active beneficiary or of the last employing authority of a retired beneficiary if you the following 3 conditions:

  1. You are the child or grandchild of an active beneficiary or a retired beneficiary
    Or you are the child or grandchild of the person who lives as a couple with an active beneficiary or a retired beneficiary
    Or you have been entrusted by court order to an active beneficiary or a retired beneficiary or to the person who lives in a relationship with that active or retired beneficiary.
  2. You are fiscally responsible for the active or retired beneficiary of the collective agreement and do not benefit from another mutual fund through your professional activity.
  3. You are under the age of 21
    Or you are under the age of 25 and are a student or on an apprenticeship contract or a jobseeker
    Or you are recognized as disabled by the CDAPH: titleContent no matter how old you are.

You are part of the entitled beneficiaries.

Widower or orphaned child of a public official

Surviving spouse or orphaned child of a deceased active beneficiary or deceased retired beneficiary who receives survivor's pension or of orphan may apply to remain a beneficiary of the collective agreement of the last employer administration of the deceased active or retired beneficiary.

The application for membership must be made within one year of death.

The spouse who receives a survivor's pension as a former spouse of a retired public servant on the effective date of 1er collective agreement concluded by the last employer administration of his deceased spouse may apply to join this agreement.

The request of accession must be made within 2 years after the effective date of the collective agreement or, if the contract has already taken effect on 10 November 2025, in 2 years after November 10, 2025.

You are exempt to join the collective agreement entered into by your employer administration in the following cases:

  • You benefit from the complementary health solidarity (C2S). This exemption is possible until the date on which you cease to benefit from C2S
  • You have a individual mutual on the effective date of 1er collective agreement signed by your employer administration or on the date of your recruitment, if it is later. In this case, you are exempted from joining the collective agreement until the expiry date of your individual agreement, within the limit of 12 months.
  • You are recruited in FIXED-TERM CONTRACT: titleContent and you have a individual mutual.
  • You are covered, including as a beneficiary, by a other collective agreement (supplementary company health insurance, supplementary health insurance scheme for the electrical and gas industries, supplementary collective health insurance for the civil service, collective military coverage).

You can waive your exemption at any time and apply to join the collective agreement of your administration without any contribution increase.

The collective contract for supplementary health insurance shall take at least covers the following guarantees:

  • Entire moderator ticket on consultations, acts and benefits reimbursable by the Health Insurance. However, exceptions may exist.
  • The entire hospital daily fee in case of hospitalization
  • Dental expenses (prostheses and orthodontics) up to 125% of conventional rate
  • Optical fees in a flat rate per period of 2 years (annually for children or in case of vision change) with a minimum of care set at €100 for a simple correction, €150 (see €200) for a complex correction.

The collective agreement may provide for additional or supplementary guarantees to these minimum guarantees and/or optional guarantees.

These guarantees must apply equally to the different categories of beneficiaries (assets, pensioners, beneficiaries).

The amount of the contributions does not depend on your state of health or your age.

If you are active beneficiary, your employer's administration pays half of the amount of the supplementary health insurance contribution.

The other half is at your expense, it is modulated according to your income. It is taken from your pay slip.

Your employer administration also takes over the options you have subscribed for up to €5 maximum per month.

If you are right holderHowever, there is no employer participation.

Contributions due for children under 21 are capped at 50% the contribution of an active beneficiary. The membership fee is free from 3e child.

Contributions for children over the age of 21 are capped at the contribution of an active beneficiary.

The contributions due for the spouse are capped at 110% the contribution of an active beneficiary.

If you are retired, there is no employer participation. Your contribution is capped under the following conditions:

  • 100% the contribution of an active beneficiary la 1re year
  • 125% the contribution of an active beneficiary la 2e year
  • 150% of the contribution of an active beneficiary the 3e, 4e and 5e years
  • 175% the contribution of an active beneficiary in subsequent years.

Contributions do not increase after the age of 75.

Former public employees who receive unemployment benefits continue to receive supplementary health benefits for up to 12 months.

Foresight

One supplementary pension is intended to supplement the compensation paid, by the employer’s administration and possibly by the CPAM: titleContent, in the event of illness, disability or death.

Thus, the provident covers, in whole or in part, your loss of income in the event of a work stoppage, incapacity or invalidity. It may also provide for supplementary benefits, to those provided for by law or decrees, in the event of the death of a public official for the benefit of his or her rights holders.

Since 1er January 2025, State administrations progressively propose a collective pension contract to cover incapacity for work due to health, non-occupational invalidity and death.

A non-occupational disability is a disability resulting from an accident or illness that occurred outside the time and place of work.

Your employer's administration informs you of the conclusion of the collective agreement and its effective date.

The employer's administration pays part of the amount of your contribution. The amount of this contribution is set to €7 per month, whether you have a full-time job (full-time or part-time) or an incomplete job.

You can join the collective agreement subscribed by your employer administration if you are employed and remunerated by a State administration as staff member (trainee or incumbent) or contractor.

All State administrations are concerned: central and devolved ministerial services, independent administrative authorities, independent public authorities, public institutions of the State.

Membership the collective provident insurance contract is optional.

However, it may be mandatory when a collective agreement provides for.

Where membership of the collective provident insurance contract is compulsory, you are not subject to this membership requirement if you are in any of the following situations:

  • You are covered by an individual provident insurance contract on the effective date of 1er collective agreement set up by your employer administration or on the date of your recruitment, if it is later. In this case, you are exempted from joining the collective agreement until the expiry date of your individual agreement, within the limit of 12 months
  • Or you are employed in FIXED-TERM CONTRACT: titleContent for a period of less than 6 months
  • Or you're a probationary public servant. In this case, you are not subject to the membership requirement for a maximum of 12 months.

You can waive your exemption at any time and apply to join the collective agreement.

Membership of the collective pension contract is not subject to no age or health condition when it occurs within the following 6 months:

  • The effective date of the collective agreement entered into by your employer administration
  • Or the date of your hiring, if you are hired after the effective date of the contract signed by your employer administration.

After this period of 6 months, your contract membership may be subject to different pricing based on a medical questionnaire.

When, on the effective date of the collective agreement, you are the beneficiary of an individual pension contract, the 6-month period is postponed to the expiry date of your individual contract. This postponement can only take place within the limit of 12 months from the entry into force of the collective contract entered into by your employer administration.

If you are off work on the effective date of the collective agreement, you can apply for membership in the collective agreement.

However, the provident society may refuse to take care of the consequences of an illness contracted before your membership or the subscription of the collective contract by your employer administration if this organization complies with the following conditions:

  • The previous disease or diseases whose consequences are not managed are clearly mentioned in the certificate of adherence to the collective contract.
  • The pension organization provides proof that your illness predates your employer's subscription to the collective agreement or your membership in the collective agreement.

The collective pension agreement covers the long-term sick leave (LWOP) if you are a public servant, the sick leave if you are a contractor, non-occupational disability and death.

Public servant

If you are placed in long-term sick leave (LWOP), the collective provident insurance contract shall provide for the payment of a supplementary benefit assuring you 100% of your remuneration la 1re year of leave, then 80% the 2e and 3e years.

Guaranteed remuneration includes index treatment and premiums and allowances maintained on long-term sick leave.

This additional benefit is paid to you after deducting the amounts paid by your employer administration.

This additional benefit may not cover the waiting period.

Reminder

If you perceive a residence allowance and the Family Treatment Supplement (FTS), these two elements of remuneration are paid to you in full for the duration of your CLM.

If you are put to the disability pension or placed automatic availability for health reasons due to a disability of non-occupational origin, the collective provident insurance contract provides for the payment of a supplementary benefit.

This supplementary benefit shall be at least equal to 10% of your remuneration, excluding third-party surcharge, provided that all the sums you receive do not exceed 80% of your remuneration.

The compensation taken into account includes your salary and your premiums and allowances maintained on long-term sick leave.

This supplementary benefit is paid to you until you are 62 years old.

The collective pension agreement provides for the payment of a death capital to rights holders of a deceased public servant or of the beneficiaries designated by the public servant.

The amount of the death benefit is equal to gross compensation which the official received in the last 12 months.

The remuneration elements taken into account are as follows:

  • Index salary corresponding to the index held by the staff member on the day of his death
  • Residence allowance
  • Family Treatment Supplement
  • Premiums and allowances.

The amount of the death benefit is at least equal to €15,908.

If the deceased staff member did not complete one year of service on the day of his death, the remuneration taken into account shall be the remuneration to which he would have been entitled if he had completed one year of service.

The collective agreement provides for the possibility, if you wish, of subscribe to additional guarantees at your expense.

These guarantees relate to the sick leave and the long-term leave (LTC).

These guarantees cannot cover the waiting period.

The contract may also provide for other guarantees such as funeral expenses and loss of autonomy.

Please note

In Mayotte, the collective contract may include adaptations necessary for its implementation.

Where membership in the collective agreement is compulsory, you retain your membership, when you leave your administration, if you meet the following conditions:

  • You are registered as a jobseeker
  • And you get unemployment benefits.

You retain your membership for a period equal to the duration of your last period of activity, calculated in whole months, up to a maximum of 12 months.

You don't have to pay any dues.

The guarantees maintained are those in force for the agents benefiting from the compulsory collective provident insurance contract.

You must report any change in your individual situation that may lead to a change in your eligibility conditions for participation by your employer administration.

When you lose the status of a member of the contract or when you change employer during the month, the participation of your employer administration is prorated according to the number of days during which you are a member and assigned to this administration.

Contractual

If you are placed in sick leave, the collective provident insurance contract shall provide for the payment of a supplementary benefit assuring you 100% of your remuneration la 1re year of leave, then 80% the 2e and 3e years.

Guaranteed remuneration includes index treatment and premiums and allowances maintained on sick leave.

This additional benefit is paid to you after deducting the amounts paid by your employer administration or CPAM: titleContent.

This additional benefit may not cover the waiting period.

Reminder

If you perceive a residence allowance and the Family Treatment Supplement (FTS), these two elements of remuneration are paid to you in full for the duration of your sick leave.

When you do not prove the seniority necessary to be entitled to critical illness leave (at least 4 months of service), the collective pension agreement provides for the payment of a supplementary benefit to the daily allowances of the Social Security if you are on sick leave for more than 6 months.

To benefit from this additional benefit, you must complete the conditions for receiving daily allowances of Social Security.

This additional service ensures you 100% of your remuneration of 7e month of work stoppage until end of 1re year of work stoppage then 80% of your remuneration la 2e and the 3e year.

Guaranteed compensation is your gross compensation for the last 12 months.

In the event ofinvalidity of non-professional origin, the collective provident insurance contract provides for the payment of a supplementary benefit allowing you to perceive:

  • 50% your compensation for a disability of 1re category
  • 80% your compensation for a disability of 2e category
  • 80% your compensation for a disability of 3e category, excluding mark-up 40% for third party.

Guaranteed pay includes your salary and the premiums and allowances that are maintained during a critical illness leave.

When you do not prove the seniority necessary to be entitled to critical illness leave (at least 4 months of service), the guaranteed remuneration corresponds to your gross remuneration of the last 12 months.

This additional benefit is paid to you until you retire, after deducting the amounts paid by your CPAM: titleContent.

The collective pension agreement provides for the payment of a death capital to rights holders of a deceased contractor or of the beneficiaries designated by him.

The amount of the death benefit is equal to the amount of Last 12 months of gross compensation of the agent.

The amount of death benefit is tripled where the death of the contract staff member occurs as a result of any of the following events:

  • Accident on duty or occupational disease
  • Attack
  • Attack in connection with the service or because of the function
  • Act of devotion in the public interest or to save the life of one or more persons.

Where the deceased member of the contract staff has not completed one year's service on the day of his death, the remuneration taken into account for the calculation of the death benefit shall be equal to the sum of the remuneration to which he would have been entitled if he had completed one year's service.

The collective agreement provides for the possibility, if you wish, of subscribe to additional guarantees at your expense.

These guarantees relate to the sick leave.

These guarantees also cover the periods of the first 6 months of unpaid work stoppage when you do not have the seniority required to qualify for critical illness leave (at least 4 months of service) and receive the daily allowances of the Social Security.

These guarantees cannot cover the waiting period.

The contract may also provide for other guarantees such as funeral expenses and loss of autonomy.

Please note

In Mayotte, the collective contract may include adaptations necessary for its implementation.

Where membership in the collective agreement is compulsory, you retain your membership, when you leave your administration, if you meet the following conditions:

  • You are registered as a jobseeker
  • And you get unemployment benefits.

You retain your membership for a period equal to the duration of your last contract (or, possibly, of your last contracts if they are consecutive without a break period of more than 2 months with the same employer administration), up to a maximum of 12 months.

You don't have to pay any dues.

The guarantees maintained are those in force for the agents benefiting from the compulsory collective provident insurance contract.

You must report any change in your individual situation that may lead to a change in your eligibility conditions for participation by your employer administration.

When you lose the status of a member of the contract or when you change employer during the month, the participation of your employer administration is prorated according to the number of days during which you are a member and assigned to this administration.