Last updated on 26 June 2024
It moves on the side of complementary health for all national education and higher education officials. The school year that starts will be a transition year with the first real effects of the ongoing reforms.
Since 1 January 2022, part of the supplementary health insurance contributions have been reimbursed by the State EUR 15 per month. This is not over, State officials, i.e. 2.5 million people, will benefit, from 1 January 2024 and at the latest from 1 January 2026, from:a defrayal of at least half of their contributions complementary health care, which will now be compulsory.
What changes is the ease of terminating a contract without any fees or penalties.
Termination can now be requested at any time after 1 year of seniority. Whereas previously the procedure was rigid, now you can terminate a contract during the year. The processing time for your application is one month and you can even instruct your future insurer to take the steps for you, as is the case for mobile operators.
This flexibility of termination is a real step forward. Being able to change easily, allows you to choose without fear. The choice of your mutual health or complementary health teacher belongs to you. It is up to you.
Since 2018, your ministry has given you the opportunity to choose a health supplement from a list of listed actors to offer you more and more choices.
Table of Contents
Complementary health for teachers what are we talking about?
At the moment, it is not mandatory to subscribe to a mutual health insurance scheme in addition to your compulsory health insurance scheme if your employer is the State. For now, because that will change. Moreover, as is well known, certain expenditure items (optics, dental, … hospitalisation). Others are simply not supported at all, such as alternative medicines for example. And that is not going to work out. Good complementary health is essential in order not to have to give up care, because it is not possible to finance it.
This health supplement will aim, as for employees in the private sector, to cover part or all of your health care expenses. This is also the case for your basic pension coverage, which is insufficient to maintain your standard of living and that of your family in the event of a stoppage of work, invalidity or death.
What complementary health and foresight to choose when you are a teacher? Focus on Anticipa de CNP assurances
Anticipa de CNP assurances has the advantage of offering a complementary health and pension coupled offer. With its three levels of guarantee you will be able to choose the formula that corresponds to your needs for the coverage of your health expenses, and your protection as well as that of your loved ones in the event of a stoppage of work, disability or death.
CNP Assurances has been listed by the Ministry and has been one of the major players in social protection in France for almost 160 years. One actor in the public sphere held at 100% by the Banque Postale. For example, it is responsible for a large number of local authorities. A trusted actor.
What are the guarantees of the ANTICIPA contract?
ANTICIPA is a modern and modular offer that will adapt to your budget and needs. It was designed to cover all costs of healthcare and life hazards. ANTICIPA, is specially designed to meet the needs of teachers and provide health coverage adapted to each.
This includes the usual major health and expenditure items, audiology, optics, dentistry, hospitalisations, but also more specific care such as alternative medicine or psychological support and listening.
For pensions, the contract guarantees you, among other things, a sufficient level of income in the event of a temporary stoppage of work or invalidity and in the event of death.
Consult theAll guarantees of ANTICIPA here.
Let's add that this complete protection solution from CNP Assurances is an offer 100 % digital. All the steps can be done without having to move, quickly make a quote at home, simulate your refunds, ask an advisor to remind you …
It's up to you to choose the best … for your health
Do not make a default choice. The reform of complementary social protection that is taking place is an opportunity to reflect on your current needs, your future needs and the risks of life.
Nature and quality of guarantees, tariffs, accompaniment, it is worth taking some time to compare and for …choisir.
ANTICIPA from CNP Assurances presents itself as a serious alternative for your health and pension needs.
ANTICIPA was designed for active or retired staff and their families from the Ministries of National Education, Higher Education, Research and Innovation, Culture, Youth and Sports. Find here 👉 All information on the ANTICIPA tender.
This article is the result of a partnership with CNP Assurances
English