Thermal cure: covered by health insurance
Verified 01 January 2026 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)
Are you wondering about the management of a spa treatment? Once the prescription has been issued by your doctor and before going to treatment, you must apply to the Health Insurance. This support varies according to several criteria (including your resources and your personal situation). We present you the rules to know.
To be taken care of, your cure must:
- Be prescribed by your doctor or, sometimes, by your dental surgeon (for example: mouth disorders)
- And respect conditions related to care and the thermal establishment.
Prescription for a specific medical condition
The Health Insurance covers only motivated cures one of the following 12 conditions or conditions:
- Disorder of the oral-lingual mucosa
- Digestive disease and metabolic disease
- Psychosomatic disorder
- Urinary disease and metabolic disease
- Dermatology
- Gynecology
- Cardiovascular disease
- Neurology
- Phlebology
- Rheumatology
- Developmental disorders in children
- Respiratory tract disorders.
Approved or contracted thermal establishment
To be taken care of, your treatment must take place in an establishment approved and approved by the Health Insurance.
It is your doctor who chooses the station according to your condition. Indeed, the place of the cure depends on the condition to be treated: not all spas treat the same pathologies.
FYI
If you benefit from the complementary health solidarityHowever, the treatment facilities must offer you treatment at prices not exceeding conventional rate.
Duration of the cure
To be reimbursed, your treatment must include 18 days of effective treatment.
However, if your treatment is incomplete or interrupted for medical reasons or force majeure, it will be paid in proportion to the number of days worked.
You have to fill out a form. It consists of 2 parts:
- Management questionnaire, completed by the doctor who prescribes the treatment, and you must sign
- Declaration of resources completed by you, dated and signed by you (you must attach the necessary supporting documents).
Spa treatment - Management questionnaire (accompanied by a declaration of resources).
The form is to be sent:
- To your health insurance fund if you depend on the general plan
- Or to your MSA: titleContent if you depend on the farm system.
In response to your request, your Health Insurance will send you a form cerfa no. 11140 entitled "Administrative support for spa treatment and billing".
The form consists of 3 parts:
- Pane 1 "Medical fees", which is to be given to the thermal doctor
- Component 2 "Thermal Package", which is to be handed over to the establishment of your cure
- Component 3 "Transport and accommodation costs". This section is to be sent to your caisse upon your return from your treatment if you meet the resource requirements.
Your coverage is valid for the calendar year in progress.
FYI
Only one spa treatment is granted by calendar year, except in the case of severe burns.
If you have a condition that cannot be treated in a 2from in the same station, the doctor can prescribe a second treatment during the same calendar year. However, these situations must be assessed by the medical service.
Medical expenses
The following medical expenses are covered as follows:
- Medical monitoring package reimbursed to 70% of the conventional rate
- Medical and complementary practices if necessary (example: filiform shower), reimbursed to 70% of the conventional rate
- Thermal package (variable, depending on the treatments performed during the treatment), reimbursed to 65% the conventional rate.
Please note
Your complementary health can support the moderator ticket.
Accommodation and transport costs
Your accommodation and transport costs are covered if your resources for the year preceding the treatment have not exceeded €14,664.38.
This ceiling shall be increased by 50%, or 7,332.19 for your spouse or partner of Civil partnerships: titleContent , and for each right holder at your expense.
Family situation | Resource cap |
|---|---|
Single person | €14,664.38 |
Couple | €21,996.57 |
Couple + 1 entitled | €29,328.76 |
Couple + 2 rights holders | €36,660.95 |
Transport costs are supported at 55% on the basis of the fare for the SNCF return ticket 2e class, within the limits of the expenditure actually incurred, on presentation of supporting documents.
The living expenses shall be reimbursed to 65% on the basis of a flat rate fixed at €150.01, or support for €97.50.
Daily allowances
A work stoppage prescribed during a spa treatment does not give rise to the payment of daily allowances.
However, this payment is possible if your resources do not exceed a certain amount.
For a spa treatment prescribed in 2025 your resources should not exceed €47,100.
For a spa treatment prescribed in 2026, your resources should not exceed €48,060.
This ceiling shall be increased by 50%, or €24,030 for:
- Your husband
- Your Civil partnership partner
- Or dependent child.
Special care rules apply if you are in one of the following situations:
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Cure linked to a long-term condition (ALD) itself managed 100%
The management of your treatment is exempt from moderator ticket if it is related to a ALD and whether this condition is itself an exonerating ALD.
Transport costs are supported at 100% (subject to conditions of resources) and after prior agreement of your health insurance fund. The payment is made in the form of a flat-rate refund (based on the price of an SNCF 2 ticket)e return class, within the limits of the expenditure actually incurred).
The amount of the accommodation package is set to €150.01. It is taken care of at 100%, subject to conditions of resources and after prior agreement of your caisse. It is exempt from the flat-rate contribution of €24.
Cure related to an accident at work or an occupational disease
The opinion of the medical service of your Health Insurance is necessary.
The medical fees and the thermal package are reimbursed on the basis of the conventional rates with exemption of the moderator ticket.
Transport costs are reimbursed to 100% within the limits of the expenditure actually incurred.
The accommodation package (€150.01) is exempt from the lump-sum contribution of €24.
Treatment with hospitalization
The opinion of the medical service of your Health Insurance is necessary.
Hospitalization costs are covered at 80%
The thermal package is supported at 65% on the basis of conventional rate.
Support unconditionally of resources :
- Accommodation costs
- Transport costs based on 55% or 100% within the limits of the expenditure actually incurred.
Who can help me?
Find who can answer your questions in your region
If you depend on the general plan
Primary Health Insurance Fund (CPAM)If you depend on the farm system
Agricultural Social Mutuality (MSA)
Conditions of care related to the thermal establishment (Article L162-1-7-2)
Conditions of care linked to the thermal establishment (Article L162-21)
Conditions of care related to the thermal establishment
Coverage of treatment costs - daily allowances in the event of work stoppages prescribed during a spa treatment (Article L321-1)
Coverage of medical supervision and treatment costs (Article R160-24)
Resource condition for the assumption of daily allowances (Article D323-1)
Transport and accommodation (Article 3)
National Health Insurance Fund (Cnam)