Businesses can opt to set up business insurance coverage in order to insure their employees. This approach is beneficial to the employee as it is the company that bears the majority of the insurance premium to be paid. A participation contribution will be deducted from the employee’s salary. Although this system is certainly advantageous for the worker, the employee’s adherence to the collective small business health insurance policy is not always automatic and, sometimes, the employer requires the subscription of the company medical insurance when taking on a new office or before a mission, as the case may be.
The corporate health insurance system differs from the personal individual policy, but the effects remain the same. In fact, it entitles you to total or partial coverage of medical expenses that are not included in the coverage of the health insurance company.
Different cases can be distinguished depending on whether the enrollment in the company’s health registration is made before or after your employment.
If the company you work for has already taken out a collective health insurance contract for its staff before your arrival, you have no choice: you are obliged to take out this collective agreement too. You will then be required to pay your share of the contribution, even if you have already taken out a personal health policy. This may seem superfluous, but it is rather to your advantage as it will allow you to benefit from generally higher protection. However, there is no need to keep both health policies as you luckily have the option to terminate your previous insurance contract without notice.
On the other hand, if the decision to enroll the company’s employees in a collective health insurance policy was taken after your hiring, there are two possible hypotheses. If this decision is the result of a collective agreement made within the company or in a branch of it, membership of the company health insurance is mandatory for all employees concerned. Conversely, if it’s a unilateral decision by the company, you have the freedom to choose. The same applies to a decision made only by the Board of Directors. However, if you think that joining this insurance may be beneficial for you, your participation must be indicated in your employment contract with an additional clause.
