Supplementary health and provident insurance in the hospital public service

One complementary health, commonly referred to as mutual, is intended to cover, in whole or in part, the costs incurred by a sickness, maternity or accident which remain at your expense after reimbursement by the Social Security Health Insurance or the costs not reimbursed by the Health Insurance.

From 1^er January 2027, you will benefit from a contribution from your employer institution to your contributions to a supplementary health insurance (mutual).

You can benefit from this partial support that you are civil servant or contractor.

The amount of the participation of your employer institution may not be less than 50% the contribution enabling the minimum 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 mutual may be a mutual to which you have individually subscribed. In this case, your employer will specify which supplementary health organizations are eligible for partial coverage of your contributions.

A collective agreement may also provide for the subscription by your employer institution of a collective agreement. This collective agreement may provide for your compulsory subscription to all or part of the guarantees that this collective agreement includes.

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.

From 1^er January 2027However, your employer institution may also partially cover contributions to a supplementary pension plan.

The pension contract may be an organization to which you have individually subscribed. In this case, your employer institution will specify which organizations are eligible for partial coverage of your contributions.

A collective agreement may also provide for the subscription by your employer institution of a collective agreement. This collective agreement may provide for your compulsory subscription to all or part of the guarantees that this collective agreement includes.