Employee Health Insurance in France
Protect your team, retain your talent. Comprehensive health and welfare coverage for your company, negotiated on your behalf.
Attracting and retaining the best talent also means providing solid social protection. At Lonemi, we help you set up a group health insurance and welfare plan that truly meets your employees' needs — and complies with French legal requirements.
Group health insurance (Mutuelle)
Since 2016, all French companies are required to provide complementary health insurance to their employees. We help you choose the most suitable plan for your sector and budget, ensuring real coverage: GP visits, hospitalisation, dental, and optical.
Group welfare (Prévoyance)
In the event of sick leave, disability or death, group welfare ensures income maintenance for your employees and protects their families. An essential safety net that builds trust within your team.
Employee savings & retirement
Collective PER, profit-sharing, participation schemes: we guide you through setting up savings plans that motivate your teams over the long term and optimise your tax position.
Family & dependency cover
Because your employees' lives don't stop at the office, we offer family extensions and dependency guarantees for complete protection, from birth to retirement.
Why choose Lonemi?
What our clients say
"Lonemi handled our entire health insurance compliance process. Within a few weeks, our 45 employees had better coverage than before, at the same cost."
Sophie M.
HR Director, industrial SME
"Thanks to their support, I set up a collective PER that genuinely motivated my team. Simple, fast, and very clearly explained."
Thomas B.
Managing Director, consulting firm
Frequently asked questions
Is group health insurance mandatory in France?
Yes, since 1 January 2016, all private sector companies in France must provide complementary health insurance to their employees, with at least 50% employer contribution.
Can we choose our own contract?
Yes, within the legal minimums (ANI basket of care). Lonemi helps you find the most advantageous plan for your sector.
What does group welfare (prévoyance) cover?
It generally covers salary maintenance during sick leave, disability benefits, and a lump sum or annuity in the event of death.
How long does it take to set up a contract?
On average 2 to 4 weeks from signing. We handle all the administrative steps for you.
Ready to protect your team?
Our advisors will analyse your situation and propose a tailored solution, with no commitment.