Section actions
Duration: Subscription — 30 min; duration — one year with renewal
Cost: Depending on coverage (~20 to 80 €/month private; company — 50 % employer)
Possible online
Who this guide is for
Section actions
- You if you work and a mutual company is offered to you
- You if you want to buy a private mutual and compare
- You if your income is modest and you want to know the free CSS
To be prepared in advance
Section actions
- Vitale card, contract (for mutual enterprise)
- Knowledge of your needs (optical, dental, hospitalization)
- Comparison of offers (comparators, mutuals)
Step-by-step procedure
Section actions
- 1Set the context: for employees — mandatory company mutual (50 % paid by the employer, 50 % paid by you). For the self-employed/unemployed — private mutual.
- 2For low income — CSS (see the css-demand guide), free or almost. Check eligibility.
- 3Compare covers: basic (moderator ticket) vs extended (excesses, optical/dental packages). 100 % Health allows free glasses and dental prostheses.
- 4Check the subscription (monthly) and the ceilings. Cheap mutuals can have low coverage.
- 5Sign the contract and provide the RIB for the levy. For mutual enterprise — automatically formalised when hiring.
- 6Use the mutual card (or third-party card) at doctors and pharmacies—automatically paid third party (without remaining charge).
- 7Renewal/resiliation: the mutual enterprise may be extended upon dismissal (Evin Law) with an increase. Private persons may be terminated annually (Chatel law) or in the event of a change of situation.
Common mistakes
Section actions
- Ignore mutual enterprise (mandatory) — the employer must propose it.
- Take the minimum coverage without assessing needs — high load leftovers.
- Do not check the right to free CSS — pay for nothing.
- Do not use the mutual card — pay for the rest, difficult to get reimbursed.
- Ignore the Chatel law (possibility of termination) — overpay.
Official sources
Section actions
Show sources in this section
Important remark
Coverage and contributions vary according to the mutuals. This information is indicative — for your contract, see the details.
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