Would you like a quote for Health Insurance (mutuelle) in France or in international?

In France, the state health insurance system (Sécurité sociale) reimburses only part of your healthcare expenses, rarely the full amount. A « mutuelle, » also known as complementary health insurance, covers all or part of what remains payable by you.

Here are the main reasons to take out a policy, especially if you are an expatriate:

Reducing your out-of-pocket costs. For example, the Sécurité sociale reimburses around 70% of the base rate for a consultation with a general practitioner. The remainder, called the « ticket modérateur, » is payable by you without complementary insurance. For certain categories such as optical, dental, or hearing aids, the base reimbursements are very low, and complementary insurance becomes almost essential.

Coping with excess fees. Many specialists charge rates above the agreed tariff (sector 2). The Sécurité sociale reimburses only on the basis of the reference rate, whereas a good complementary insurance covers all or part of these excess fees.

Covering hospitalization. A hospital stay involves costs that are not fully reimbursed: daily hospital charge, private room, surgeon’s excess fees. Complementary insurance greatly limits these costs, which can quickly become high.

Accessing the « 100% Santé » scheme. Since 2021, this scheme allows you, with a compliant policy (« mutuelle responsable »), to obtain certain optical, dental, and hearing equipment fully reimbursed, with no out-of-pocket cost.

Your situation as an expatriate. A few points to check depending on your case:

If you work and pay contributions in France, you fall under the general scheme and can take out complementary insurance like any resident. Your employer often provides one (company health insurance), which is mandatory and co-funded by them.

If you are not yet registered with the French Sécurité sociale, or are waiting for your entitlements, international health insurance or private coverage may be more suitable at first.

European nationals should also check how their coverage fits with the European Health Insurance Card and their original home coverage.

In summary, complementary health insurance serves to bridge the gap between what the Sécurité sociale reimburses and the real cost of care. In France, seeking treatment without it can expose you to sometimes significant expenses, particularly in the event of hospitalization or costly care.

In France, the healthcare system relies on two complementary pillars: the Sécurité Sociale (Social Security) and mutuelles (or complementary health insurance).

a) The Sécurité Sociale (or Mandatory Health Insurance)

• Main Role: This is the basic, mandatory scheme for anyone legally residing or working in France (via the Universal Health Protection – PUMA) or engaged in a professional activity. It is primarily managed by the Caisse Nationale de l’Assurance Maladie (CNAM), through local Caisses Primaires d’Assurance Maladie (CPAM).

• Funding: It is mainly financed by social contributions (employee and employer) and by taxes (like the CSG).

• Coverage: The Sécurité Sociale only reimburses a portion of healthcare expenses. This portion is defined by « reimbursement rates » applied to « reimbursement bases » set for each medical act, consultation, or medication.

  • Example: For a consultation with a general practitioner who is « conventionné secteur 1 » (i.e., adheres to Social Security tariffs), the reimbursement base is €26.50. Social Security generally reimburses 70% of this base, which is €18.55.

• The « Ticket Modérateur »: The part of the costs not reimbursed by Social Security is called the « ticket modérateur » (co-payment). This is the amount remaining at the insured’s expense. There is also a « participation forfaitaire » (fixed contribution) of €1 per consultation or medical act and a « franchise médicale » (medical deductible) on medications and paramedical acts.

• Objective: To guarantee access to care for everyone and a minimum coverage of healthcare expenses.

b) The Mutuelle (or Complementary Health Insurance / Supplementary Health Insurance)

• Main Role: This is a private insurance contract (not mandatory for everyone, but strongly recommended and mandatory for private sector employees since 2016). It intervenes after Social Security’s reimbursement. Its goal is to cover all or part of the « ticket modérateur » and any excess fees (dépassements d’honoraires).

• Funding: It is financed by contributions paid directly by the insured (or by the employer if it’s a company mutuelle).

• Coverage: The mutuelle covers:

  • The « ticket modérateur » on acts reimbursed by Social Security.

  • Excess fees (« dépassements d’honoraires ») charged by doctors (especially in « secteur 2 »).

  • Costs not covered or poorly reimbursed by Social Security (e.g., optical, dental, hearing aids, non-conventional alternative medicines).

  • The « forfait journalier hospitalier » (daily hospital charge not covered by Social Security during hospitalization).

• Objective: To reduce the out-of-pocket expenses for the insured and improve access to care not fully covered by the mandatory scheme. Coverage levels vary considerably from one contract to another, from basic to comprehensive.

• Types of organizations: These can be « mutuelles » (strictly speaking, non-profit organizations governed by the Code de la mutualité), provident institutions, or insurance companies.

In summary: The Sécurité Sociale is the mandatory foundation that reimburses a portion of the costs. The mutuelle is the complementary layer that covers the remainder (the co-payment, excess fees, and certain specific costs), thus reducing your out-of-pocket expenses.

The process of healthcare expense reimbursement in France is generally very smooth and occurs in several steps:

a) Consultation or Purchase of Medication:

• You consult a healthcare professional (doctor, specialist, etc.) or purchase medication at a pharmacy.

• If you have a Carte Vitale (a health insurance card with an electronic chip), you present it. It contains all the necessary information for your coverage and allows for secure electronic transmission of the treatment form (called « feuille de soins électronique »).

b) Social Security Reimbursement:

• With the Carte Vitale: The healthcare professional electronically transmits the treatment form to your CPAM. Social Security’s reimbursement is then automatically triggered and paid directly into your bank account, usually within 2 to 5 working days. You receive a « relevé de remboursement » (reimbursement statement) from the Health Insurance, which can also be viewed online in your Ameli account.

• Without the Carte Vitale: The healthcare professional gives you a paper « feuille de soins » (treatment form). You must complete it, attach medication stickers if necessary, and mail it to your CPAM. The reimbursement period is longer (a few weeks).

c) Mutuelle (Complementary Health Insurance) Reimbursement:

• Automatic Transmission (Télétransmission / Noémie): This is the most common and convenient case. Once Social Security has processed your reimbursement and paid its share, it directly transmits the information to your mutuelle via a computerized exchange system called « Noémie » (Open Exchange Standard between Illness and External Stakeholders). Your mutuelle then calculates its share of the reimbursement and pays it directly into your bank account, without you having to take any further steps. The timeframe depends on your mutuelle, but it’s often quick (a few days).

• Manual Transmission: If teletransmission is not activated or for certain specific acts (e.g., alternative medicines not reimbursed by Social Security), you will need to send your mutuelle:

  • The Social Security reimbursement statement (important, as the mutuelle needs to know what Social Security has already paid).

  • The invoice or proof of care from the healthcare professional. Reimbursement will then be made to your account.

Tiers payant (third-party payment) is a system that allows you to avoid paying all or part of your healthcare costs upfront. Instead of paying the healthcare professional and then being reimbursed, it’s the Health Insurance and/or your mutuelle that directly pay the professional.

There are two types of tiers payant:

a) Tiers Payant on the portion reimbursed by Social Security:

• Concerns: The portion of expenses that is normally reimbursed by the Mandatory Health Insurance.

• Applicable cases:

  • Mandatory: For certain insured individuals (e.g., beneficiaries of Complémentaire Santé Solidaire – CSS, long-term conditions – ALD, pregnant women, victims of work accidents/occupational diseases).

  • Widespread but not mandatory: For doctor consultations, dispensing of medication upon presentation of the Carte Vitale at the pharmacy. More and more healthcare professionals offer it.

• How it works: You present your Carte Vitale. The healthcare professional is paid directly by Social Security for its share. You only have to pay the « ticket modérateur » and any excess fees.

b) Tiers Payant on the portion reimbursed by the Mutuelle (or Complementary Health Insurance):

• Concerns: The « ticket modérateur » portion and, for certain contracts, excess fees.

• How it works: In addition to your Carte Vitale, you present your third-party payment card (issued by your mutuelle). The healthcare professional (doctor, pharmacist, laboratory, hospital, optician, dentist, etc.) contacts your mutuelle to verify your rights. If your rights are open, the mutuelle pays its share directly to the professional.

• Result:

  • Full tiers payant: If the professional applies tiers payant for both the Social Security portion AND the mutuelle portion (and there are no excess fees or your mutuelle covers them fully), you don’t have to pay anything upfront at all. This is the most common case in pharmacies, for example.

  • Partial tiers payant: You might only have to pay any excess fees that your mutuelle doesn’t cover, or other specific costs (medical deductibles, fixed contributions).

Advantages of tiers payant: It significantly simplifies the lives of insured individuals by avoiding the upfront payment of sometimes substantial costs, especially for medications, laboratory tests, or hospitalizations.