When you lose your job, you can often benefit from the portability of the company mutual.
Here's everything there is to know about health insurance portability.
What are the conditions for benefiting from the portability of the mutual?
As you can imagine, to benefit from portability, you must meet a certain number of conditions.
And not one or the other, but all the conditions provided by law.
To begin with, you need to have joined the collective mutual insurance offered by your company.
Logical, you will tell us, to be able to continue to enjoy it!
You must also have been the subject of a termination of your employment contract for a simple or serious fault, due to a dismissal for economic reasons, personal reasons, incapacity, contractual termination... Under no circumstances can to act with gross negligence, which Editions Tissot describes as “a fault committed voluntarily, with the intention of harming others.
A fault which exposes the employee who is the author to disciplinary dismissal without notice.
Another condition for benefiting from the portability of your company mutual insurance: the termination of your employment contract must give rise to the right to reimbursement by unemployment insurance.
If you wish, for health reasons, to choose a complementary health supplement, it is possible and sometimes advantageous according to the needs to consider this solution.
I compare mutuals for my health
What to do to benefit from the portability of your mutual?
Good news: you have nothing to do, apart from justifying to the insurer that you are covered by the unemployment insurance scheme.
It is up to your employer to inform the mutual of the termination of your employment contract and the maintenance of your guarantees (which he will indicate in the employment contract).
And don't worry, benefiting from the portability of your health insurance will cost you nothing.
And if you take up a job, for example on a fixed-term contract, subscribing to the company's mutual insurance company is not compulsory, especially if it costs you dearly and is less interesting than your old mutual insurance company.
How long can the portability of your health insurance last?
The guarantees are extended from the date of termination of your employment contract and the duration of maintenance of rights, expressed in months, cannot exceed 12 months.
The official website of the French administration cites this example: "At the end of a 5-month employment contract, you continue to benefit from company health insurance for a maximum of 5 months, your right to unemployment also being 5 month.
If you find work before 5 months, you cease to be entitled to company health insurance as soon as you are no longer compensated by Pôle emploi.
If your last contract was for 18 months, the maximum portability is 12 months, even if your right to unemployment is 18 months.
So 1 year maximum, you will understand!
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By the way, why join a company mutual?
Health insurance often only reimburses part of your health expenses.
If you are an employee of a private company or an association, your employer is obliged to offer you, since January 1, 2016, complementary health insurance.
The latter's mission is to complete reimbursements of social security, in whole or in part.
Your employer must cover at least 50% of the amount of the contributions.
Note that if you and your spouse or PACS partner both have compulsory mutual insurance, it is sometimes possible to cancel one of them.
Find out from your mutual health insurance because family health insurance contracts are generally more attractive financially.
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What guarantees are covered by a company mutual?
If you benefit from the portability of your mutual health insurance, now is the time to take stock of the basic guarantees it offers you.
This is the entire moderator ticket on:
consultations, acts and services reimbursable by health insurance,
the full daily hospital charge in the event of hospitalization,
dental costs (prostheses and orthodontics) up to 125% of the conventional rate
optical costs on a flat-rate basis per period of 2 years (annually for children or in the event of a change in sight) with a minimum coverage set at €100 for a simple correction, €150 (or even €200 ) for a complex correction.
