A mutuelle fills the gap left by the French public health insurance system (Sécurité Sociale). What’s covered depends on your plan, but here’s what you can expect with our policies.
What’s covered
The part not reimbursed by Sécurité Sociale (the “ticket modérateur”) for:
• Doctor visits (GPs and specialists)
• Prescribed medicines
• Lab tests and imaging
• Hospital stays (including daily charges)
• Standard dental care (checkups, basic fillings)
• Glasses and contact lenses (with set limits)
• Physiotherapy and nursing care
Additional benefits with our plans:
• Private hospital room fees
• Dental or optical treatments above the public reimbursement
• Alternative medicine (osteopathy, chiropractic, podiatry, etc.)
• Vaccines or medicines not covered by the public system
• Daily life assistance services like legal advice, admin support, and psychological counseling
What isn’t covered
Services or treatments that your contract specifically excludes
Treatments or events that happened before your coverage started
The standard €2 “participation forfaitaire” per medical act (you always pay this yourself)
Examples
Doctor visit
The standard rate for a GP consultation is €30. Sécurité Sociale reimburses 70% of that, minus the €2 fee, so you get about €19 back. Your mutuelle covers the rest. You typically pay nothing out of pocket for the visit.
Glasses
The public system only covers a small amount (around €30 for a pair). With our plans, you get between €260 and €420 to choose your glasses—so you often pay very little or nothing, depending on what you pick.
Alternative medicine or extra services
Depending on your plan, you get between €80 and €200 per year for services like osteopathy, chiropractic care, and similar treatments, even though the public system does not cover these at all.
Private hospital room
If you need a private room during a hospital stay, our plans covers up to €80 per night.
In short
The mutuelle covers what the public system leaves out and adds extra benefits. Exact coverage depends on your contract, so check your plan for details.