"Mutuelle" and "Frais de santé" are terms you might have heard before but aren't sure what they refer to.
A rare French-English speaker might mention "private medical scheme." But what is that?
For a long time now, every employer in France - even if they only have one employee - has to provide medical insurance for their staff.
But, how does the system work?
Can you choose the coverage offered by the insurance? And how do you choose?
A 27 year old does not have the same needs as a 45 year old with two teenagers, for example.
Timothée is an HR and Employment Law professional with over 15 years of experience across banking, retail, and luxury industries in Europe. Holding a Master's Degree in Employment Law from La Sorbonne, he has built and secured HR operations for renowned brands such as Société Générale, Dr. Martens, Lululemon, and Richard Mille.
Following a recent ruling by the French Supreme Court (Cour de cassation), in line with European law, employees who fall ill whilst on holiday can now recover the days they have lost.
If you are expanding your business into France or already managing a local team, offering a health plan (“mutuelle”) is only part of your compliance and employee benefits responsibilities.
Hiring in France means more than offering a salary. It means integrating into one of the world’s most structured social protection systems, including healthcare, which is both robust and highly regulated.