Last updated on 12 May 2026
As a State civil servant, you have probably already heard about the reform of the Complementary Social Protection (CSP). It is of direct concern to you. Let's decipher together recent developments and what awaits you.
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Public Service vs Private Sector: Understanding the Differences
Being a civil servant means enjoying a special status in many respects, by being employed by a public body. There are many differences between the private and the public.
In the private sector, since 2016, companies have been required by law to subscribe to a mutual health insurance for the benefit of their employees and to participate to the tune of 50 % to the contribution. For the employee, membership of this mutual is compulsory, except in certain cases.
In the public sector, it is different, before the reform the body was not required to contribute to the costs of the additional health of its staff, but could offer health insurance with optional membership.
A turning point with the referencing of several organizations including CNP Assurances
Since 2018, your department has selected for the first time several reference bodies including our partner CNP Assurances.
This referencing aims to guarantee members adapted and solidary contracts in family and intergenerational terms. Indeed, these contracts bring together a set of benefits allowing access to healthcare and being able to cope for you or your family with possible risks such as work stoppage, invalidity or death.
Since 2022, the Ministry now covers up to €15 per month, part of the health contribution of its staff. This contribution shall be reimbursed to each member of staff who has applied for it, provided that his insurer provides him with the employer’s certificate.
In order to obtain this certificate, the staff member must be the beneficiary of a joint and several supplementary health benefit intended to cover the costs of healthcare incurred as a result of maternity, illness or accident.
The objective of this reform?
Align the social security coverage of civil servants with that of employees in the private sector who benefit from compulsory collective cover. These adjustments were the subject of extensive discussions between the government and trade union representatives, culminating in the signing of an inter-ministerial agreement in 2022.
This reform will concern all the statutes, i.e. both civil service holders, trainees and contract staff.
2025: a new era for the social protection of civil servants
This means that, as in the private sector, your employer will offer you a collective mutual to which you must subscribe and will participate to the tune of 50 % at least to the financing of it.
The implementation of this reform should be effective as of January 2025.
Anticipa de CNP Assurances: a simple solution Pending the reform
Discover the offer Anticipa from our partner, CNP Assurances referenced since 1er January 2018 by your Ministry.
With Anticipa you will optimise your reimbursement of healthcare costs:
- 3 levels of guarantees are offered to choose the one that best suits your needs taking into account your budget
- Teletransmission is automatic between the Mandatory Regime and Anticipa
- A member space is at your disposal
Anticipa is more comprehensive than a simple Complementary Health indeed, the tender also includes a Provident Insurance in case of unforeseen circumstances. More specifically, Anticipa makes it possible to guarantee a satisfactory level of income in the event of a temporary stoppage of work or invalidity. In the event of death, there is also a death grant that will be paid to your beneficiary.
At the time of accession, there are no medical formalities.
Exclusive services and assistance: Anticipa, more than insurance
From the first day of accession, assistance and various services are available.
For example, in the case of hospitalisation, there are several services available such as home help during the 10 days following the start of hospitalisation. There are also local services (delivery of groceries, research and delivery of medicines, carrying meals, etc.).
Anticipa also provides access to so-called partner networks in order to guarantee high-quality services and advantageous rates. It is mainly a network of conventional opticians and audio prosthetists.
It is also possible to consult a general practitioner or more than 25 specialists remotely. The teleconsultation is at no additional cost and was already in place before the lockdown.
To discover more services included in the offer or to get more information, do not hesitate to go to their page dedicated to services.
The cost of Anticipa: a concrete example
ANTICIPA is a particularly interesting offer. Here is the example of Aurélie, 27, a teacher at a primary school in Tours, who became a holder last year, insured under the general scheme, joined alone and chose the ‘Essential’ formula for health and pension offers:
– his annual taxable salary is EUR 24 000;
– its health contribution is €25.20 per month in 2024;
– its pension contribution is EUR 16 per month in 2024.
Finally, thanks to the above-mentioned employer attestation provided upon accession, she is reimbursed €15 per month, as she has opted for a referenced offer!
To know the cost for you, just realize a free and non-binding quote from home in less than 3 minutes directly from the Anticipa site.
If the contributions are satisfactory, then you will even be able to join online.
Of course, advisors remain at your disposal to answer questions or accompany you in all your steps.
You can take a telephone appointment here.
This article is the result of a partnership with CNP Assurances
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