Health insurance and income protection in France: companies, individuals, self-employed
Top-up health insurance (mutuelle) and income protection (prévoyance) meet two distinct needs: completing reimbursement of your healthcare costs and protecting your income and family against life’s events. Whether you are an employee, an individual, self-employed or an employer, the contracts to review are not the same.
- Companies and employees
- Individuals and families
- Self-employed workers (TNS)
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Which solution for your status?
- Employer: group contract
- Individual or family: individual contract
- Self-employed, majority manager: TNS health cover
- Borrower: loan insurance
Understanding top-up health cover and income protection
Top-up health insurance pays all or part of the medical costs left after reimbursement by French state health insurance (Assurance Maladie), depending on the contract. Income protection safeguards your income and your family in the event of sick leave, disability or death. Individual health and income protection lets you review both needs personally.
Since the generalisation under the national inter-professional agreement (ANI), private-sector employers in France must offer group health cover to their employees, subject to the exemptions provided for. Companies can also set up group income protection, sometimes required by the collective agreement. Our group health and income protection page covers this at employer level.
Self-employed workers (tradespeople, shopkeepers, liberal professions, majority managers) have more limited basic protection, particularly for sick leave. Health cover for the self-employed (TNS) is reviewed according to the activity, the scheme and the family situation. The French “Madelin” tax framework may, under conditions, allow certain contributions to be deducted: it must be checked against the contract and current rules.
Personal protection goes beyond health. Mortgage borrower insurance covers loan repayment in the event of death or incapacity, while savings, life insurance and retirement plans serve long-term goals. The aim is to coordinate health, income protection and savings without overlap.
Health, income protection and personal cover
Group health and income protection
Employee health cover and, depending on needs or the collective agreement, group income protection.
Individual health and income protection
An individual contract to tailor your health reimbursements and income protection to your family and work situation.
Health cover for the self-employed (TNS)
Health cover and income protection for self-employed workers, reviewed according to their status and activity.
Business multi-risk
For self-employed healthcare professionals, protection of the practice, equipment and activity.
Mortgage borrower insurance
Cover for personal risks that could affect repayment of a mortgage.
Savings, life insurance and PER
Savings, life insurance and retirement plan (PER) solutions to prepare your projects and retirement.
How to choose your health and income protection
Clarify your status
Employee, self-employed, company director, individual or employer: your status determines the contracts and obligations to review.
Assess your health needs
Hospital, routine care, optical, dental: each item is reviewed according to your priorities.
Analyse income protection
Sick leave, disability, death: covers are set according to your income and expenses.
Check existing cover
Existing contracts (group, individual, borrower) are taken into account to avoid overlaps and gaps.
Review your health and income protection
Want to top up your health cover, protect your income or equip your company? Tell us about your situation: the firm will review the suitable covers.
Frequently asked questions
What is the difference between health insurance and income protection?
Top-up health insurance completes reimbursement of medical costs. Income protection safeguards your income or family in the event of incapacity, disability or death.
Is company health cover compulsory in France?
Yes: private-sector employers must offer group health cover to their employees since the generalisation under the ANI. Some employees may be exempted in the cases provided for by law.
Can I take out individual health insurance?
Yes. An individual contract is reviewed according to your health needs, your family situation and any cover you already have.
What cover for a self-employed worker?
A self-employed worker can take out top-up health cover and income protection (daily allowances, disability, death) suited to their activity and income.
Does the Madelin scheme still exist?
For the health and income protection of the self-employed, the so-called Madelin tax framework still allows, under conditions, certain contributions to be deducted. The exact conditions depend on your contract and current rules.
How do I request a review?
Give your status, your family situation and your current contracts on the quote page, or call +33 1 41 81 60 94.
Cover consistent with your situation
Health cover and income protection meet complementary but distinct needs. Lev Assurances helps you review your status, your existing covers and the risks to insure — Lev Assurances, broker registered with ORIAS no. 24001858, supervised by the ACPR (French Prudential Supervision and Resolution Authority).