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I’m retiring. How long can I keep my company’s supplemental health insurance and will the price change?

Article 4 of the Law of December 31, 1989known as “Evin Law”, stipulates that when they retire, Employees who leave the company can retain supplementary health insurance from which they benefited within the framework of their collective and compulsory contract.

It is the employer’s responsibility to inform the insurer of the employee’s retirement. The latter has six months from the end of his employment contract to decide whether to maintain his company’s mutual insurance. If necessary, he must inform the organization by registered letter.

Price rises

Even if the guarantees taken out by the company are interesting, extending additional health insurance to retirement is not always a good move. You need to do your calculations. On the one hand, because the employer no longer covers half (or more) of the contributions.

On the other hand, because the new contract only benefits from the tariffs negotiated by the employer for one year. After this period, a price increase applies. In the second year it is 25%, in the third year 50% and from the fourth year unlimited.

The insurer can also refuse to extend the guarantees to other family members. Finally, the guarantees and benefits included in the contract may no longer be suitable for a pensioner (maternity package, orthodontics for those under 16, etc.).