{"id":9655,"date":"2015-03-24T15:45:39","date_gmt":"2015-03-24T14:45:39","guid":{"rendered":"https:\/\/www.gerep.fr\/2021\/10\/08\/ani-national-agreement-what-should-firms-do-if-they-still-have-no-supplementary-health-plan\/"},"modified":"2025-03-28T09:51:48","modified_gmt":"2025-03-28T08:51:48","slug":"ani-national-agreement-what-should-firms-do-if-they-still-have-no-supplementary-health-plan","status":"publish","type":"post","link":"https:\/\/www.gerep.fr\/en\/blog\/ani-national-agreement-what-should-firms-do-if-they-still-have-no-supplementary-health-plan\/","title":{"rendered":"ANI: what should companies do if they don’t yet have complementary health insurance?"},"content":{"rendered":" \n

By January 1, 2016, all employers will have to offer their employees a health insurance<\/strong><\/a>. A decree, published in September 2014, requires the subscription of a collective contract<\/strong> offering a minimum guarantee base, known as the panier de soins<\/strong>. This standard contract covers a set of clearly designated healthcare expenses<\/strong>. General medicine, hospitalization, optical, dental…<\/strong> everything is covered. The law also requires that contributions be shared between the employee and the employer. So, in the end, there’s not much left for company directors to choose from. <\/p> \n \n

What are the formalities to be completed by the end of the year for the 500,000 structures that are not covered? The answer in a few points. <\/p> \n \n

1- Choose an organization<\/h2> \n \n

Insurance companies, mutual insurers and provident institutions are likely to provide you with a minimum group contract<\/strong>. As the law imposes precise specifications, the offer from these players is likely to be very similar in terms of coverage and price. <\/p> \n \n

The differences will mainly concern the quality of services<\/strong> (repayment times, online tracking, etc.), any nuances on additional cover that might appeal to you, and advice<\/strong>. On this last point, entrusting the implementation to brokers<\/a> brings a double advantage<\/strong>. <\/p> \n \n

Firstly, they provide an external, critical view of at least three insurance offers, which they are obliged to propose. Secondly, they help you set up your contract, as they are liable in the event of any problems. <\/p> \n \n

2- Assess your situation with an advisor<\/h2> \n \n

With a broker<\/strong>, the matter can be settled in two meetings. The first is to assess your particular situation: <\/p> \n \n