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How does the French "mutuelle" work?

Written by
Timothée Jacques
Estimated reading time:
...
Last updated on
31 January 2023
Quick Summary
"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.

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Article written by
Timothée Jacques
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.
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