Mutual obligation between employer and employee in a company

Health protection is an important concern for employers and employees. The implementation of complementary health coverage can be a very useful tool to improve the quality of life of employees and thus make the company more efficient. Complementary health cover offers employees additional protection in the event of illness or accident. In this context, there is a mutual obligation between employer and employee which must be respected.

What is Mutual Obligation?

The mutual obligation is a legal obligation governed by the Labor Code. It binds the employer and the employee. It requires the employer to cover part or all of the contributions for complementary health cover offered to its employees. This obligation applies to all companies with more than 50 employees. However, it does not apply to companies with fewer than 50 employees. The latter have the possibility of offering complementary health insurance if they wish.

Employer’s obligations

Under mutual obligation, the employer has an obligation to provide supplementary health protection to its employees. He is required to cover at least 50% of the contributions for the costs of this additional insurance. The remaining 50% is paid by the employee.

In addition, the employer is responsible for choosing the right insurance policy and ensuring that it is adapted to the employees’ needs. He can also choose to pay up to 100% of the contributions for this insurance. If the employer decides not to set up supplementary health cover, he must pay each employee an indemnity corresponding to 50% of the contributions he would have had to pay if he had set up supplementary health insurance.

The employee’s obligations

The employee also has obligations to respect. First of all, he is required to accept the insurance contract offered by his employer. Then, he must pay his share of the contributions required by the insurance policy. It is important that the employee informs his employer of changes in his personal situation so that the insurance can always be adequate.

In addition, the employee must comply with the conditions of the insurance and must provide accurate information regarding his health and state of health. Once the insurance has been taken out, the employee can benefit from the services offered by the insurance such as hospital reimbursements, dental care or home help.

Benefits of Mutual Obligation

The mutual obligation between employer and employee has many advantages for both parties. First of all, it allows the employer to improve the quality of life of employees and therefore to motivate them to surpass themselves and to be more productive. In addition, it allows employees to benefit from additional protection in the event of illness or accident.

Mutual obligation also helps to strengthen the social climate in the company because it shows employees that the employer takes their well-being and health into account. In addition, it promotes employee loyalty because it gives them the opportunity to benefit from solid and lasting protection.

In conclusion, the mutual obligation between the employer and the employee is essential to ensure the well-being of the employees and to encourage the performance of the company. It allows employees to benefit from complementary health cover and the employer to demonstrate a strong commitment to its employees. It is important that the employer and the employee respect their respective obligations and that they communicate correctly so that the insurance can work properly.

A company mutual is a form of contract between an employer and its employees. It allows the latter to benefit from additional cover which will replace or supplement Social Security reimbursements. The company mutual can inform you about the validity period of an ophthalmologist’s prescription for example, or you can go here to know the answer. Costs related to dental, optical, medical and other expenses can thus be fully or partially covered by an insurer.

Today, we are going to focus more particularly on the offers intended for employees for their optical care. How exactly do they work? What are the benefits they provide? What guarantees do they offer? Here’s everything you need to know about it.

What is a company mutual for the eyes?

A company mutual fund for the eyes is a complementary insurance which allows employees to benefit from the best guarantees within the framework of their optical care. It is signed by the employer and its employees, after the membership form has been validated by each of them.

Thanks to it, the people concerned have access to various services such as consultations with the ophthalmologist, reimbursement of glasses (frames and lenses) as well as lenses and products related to vision correction such as visio-test.

Company mutual insurance for the eyes therefore offers optimal coverage and considerably reduces expenses relating to eye care.

Some important points to remember about company mutual for the eyes

• An administrative formality not to be overlooked: The employee must sign the membership form for his contract to take effect.
• The amount of contributions and reimbursements: It is variable and depends on the clauses of the contract concluded between the employer and the insurer.
• The guarantees offered: They are varied and also depend on the conditions of the contract. We find in particular the reimbursement of care, glasses and lenses as well as products related to visual correction.
• Appropriate social protection: Company mutual insurance for the eyes contributes to improving the level of social protection for employees.

The benefits of a company mutual for the eyes

One of the main advantages of company mutual insurance for the eyes is the reimbursement of care and products that improve the visual capacity of employees. In addition, it provides additional coverage compared to that offered by Social Security, which allows employees to benefit from broader and more effective social protection.

Company mutual insurance for the eyes also makes it possible to reduce expenses linked to aging capital and the “Health” item.

To find a good mutual company for the eyes, it is necessary to respect certain rules. First, carefully analyze the various quotes offered by insurers and check the quality and amount of guarantees provided. You can also use a broker, a specialized professional who can advise and support you in your search.

Then, keep in mind that the choice of a mutual will mainly depend on your needs and the guarantees you wish to obtain. Finally, take the time to compare the rates of the different offers to find the most advantageous solution.

In short, a company mutual for the eyes can be very advantageous for employees, because it offers them additional coverage and additional guarantees. Before taking out such a contract, however, it is important to be well informed and take the time to compare the different offers to find the mutual insurance company best suited to your needs.

Cases of exemptions from joining the collective health mutual

There are cases of waiver of duty and case of exemption from membership optional at the health insurance business (or collective) :

• For cases of optional exemption, it is the employer who decides whether or not to provide for them (or the social partners in the event of negotiation of a collective agreement). To be valid, these optional cases of membership exemptions must be explicitly provided for in the act of labor law which governs “healthcare costs” guarantees in the company (unilateral decision, referendum, or collective agreement). These exemptions may be provided for in the initial act or added later in the amending acts.
• Other exemptions are automatically available to employees and are therefore binding on the employer.

Whether these exemptions are legal or provided for by the employer, it is up to the employee to decide whether he wants to take advantage of them or not. The employer cannot force an employee to request an exemption because the latter fulfills the conditions for benefiting from it.

The employee remains free to join or refuse membership. If he declined membership, he can change his mind and later apply for corporate coverage.

Can you refuse mutual insurance or provident insurance from your company?

You can ask to be exempted from subscribing to the healthcare costs plan set up in your company if you are already covered, including as a beneficiary, by one of the following schemes:

You can request an exemption: