Healthcare
Mutuelle (France)
Also known as: French Mutuelle, Complémentaire Santé, Complementary Health Insurance France
Quick answer
French Government — employer complementary health duties · French Government — employee complementary health · checked 9 Nov 2026
Under the French rules checked in 2026, private-sector employers must offer collective complementary health insurance and pay at least 50% of the premium. Exceptions and permitted employee opt-outs apply. The contract must meet minimum benefit requirements.
An eligible employee leaving a job may retain the group cover under portability rules, subject to conditions including entitlement to unemployment benefits. Continuation is limited by the previous employment and unemployment-benefit period and cannot exceed 12 months.
Compare the policy's benefits and reimbursement bases rather than assuming that a percentage in its marketing means the same percentage of every actual bill.
Sources
- French Government — employer complementary health duties · checked 9 Nov 2026
- French Government — employee complementary health · checked 9 Nov 2026
Related terms
SNS (Serviço Nacional de Saúde Portugal)
Portugal's Serviço Nacional de Saúde (SNS) is its public health service. An SNS user number identifies the patient, but having the number alone does not guarantee that SNS will cover the cost of care.
International Health Insurance
International private medical insurance provides health cover for people living abroad, subject to the policy's geographic area, benefits and exclusions. Outpatient care, maternity and other benefits may require a particular plan or additional cover.
EHIC / GHIC Card
The European Health Insurance Card (EHIC) and UK Global Health Insurance Card (GHIC) provide eligible holders access to medically necessary state healthcare during temporary stays in covered countries, on the same terms as people insured there. They do not replace travel insurance.
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