If you are freelanceyou are considered a self-employed worker (TNS). Unlike employees, you must therefore take out mutual health insurance yourself in order to supplement Health Insurance reimbursements and cover your health costs.
Fortunately, some mutual insurance companies now offer offers specially designed for the self-employed. To help you make the right choice, we have selected and compared several mutual insurance for freelancers.
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Wemind, a neo-mutual for freelancers
Wemind is what we call a “neo-mutual”, which was created in July 2016 and which allows freelancers (and more broadly all independents) to have access to the same benefits as employees. Companies, associations and other cooperatives can also call on Wemind to cover their employees.
Wemind is not an insurer strictly speaking: the offers offered have been developed with large insurers and designed specifically for the needs of independents.
However, it is the Wemind teams who provide all the services, which allows access to advantageous contracts from major insurance companies, while maintaining the quality of service and the flexibility that a human-sized start-up is able to provide.
Wemind fully embraces its “neo” status, by simplifying membership and management of its offer thanks to the total digitalization of the customer experience, in particular through a members area and a mobile app.
In addition to these coverages for essential expense items, we appreciate the little extras:
- Alternative medicine is reimbursed (€50, €100 or €200 per year depending on the formula);
- Treatment abroad is reimbursed up to 200%;
- Prescribed and non-reimbursed pharmacy (for example, international vaccines) is reimbursed from €35 for the Basic formula to €75 for the Total formula.
Concerning the rates, it is up to you to carry out a simulation according to your needs, the Wemind mutual rates depending on many factors.
Alan, the online insurer offering TNS mutual insurance
Alan is an independent online insurer founded in 2016, making it the first independent insurer in France for 30 years. Alan displays his ambition to revolutionize health and refocuses the insurance offering around the policyholders.
This time, it is a “real” insurer, approved by the ACPR: the nuance is important for independents, who have the choice between brokers, neo-insurers and traditional insurers to take out their insurance.
With more than 125 million euros raised since its creation, Alan is continuing its revolution in 2022, and continues to improve its offer and the policyholder experience with the following means:
- 100% dematerialized (from subscription to management);
- Simple and transparent journey;
- A map, “Alan Map” which allows you to find doctors;
- Access to teleconsultation.
Alan offers mutual insurance for self-employed workers (liberal professions, craftsmen and traders, majority managers of SARLs and managers of EURL) and micro-entrepreneurs, in addition to an offer for businesses.
It is the TNS mutual offered by Alan that interests us here: it is a contract respecting the criteria of the Madelin law. As a reminder, subscribing to a Madelin contract allows you to deduct health insurance contributions from your taxable income, which directly reduces your taxes. This remains anecdotal since many freelancers are in micro-enterprises and cannot benefit from the Madelin law.
AÉSIO Mutuelle and its offer for micro-entrepreneurs
Health and welfare specialist, AESIO Mutueshe offers an offer entirely designed to protect freelancers and their families.
From €24/month and without any medical formalities, you can benefit from:
- Your routine care costs, hospitalization, dental, optical, etc. fully reimbursed
- No advance medical expenses thanks to third-party payment
- Packages for dental prostheses, implants, periodontology, etc.
- Reimbursement of your alternative medicine consultations
- A package dedicated to self-medication and non-reimbursed pharmaceutical products
- A solidarity fund for members in financial difficulty
Solimut Mutuelle de France: a solidarity mutual for freelancers
Solimut Mutuelle de France offers an offer dedicated to self-employed workers called Energy Independents. This complementary health insurance was designed to meet the needs of freelancers while remaining accessible in terms of budget.
The plans are flexible and allow you to adapt the level of guarantees according to your needs, whether for routine care, hospitalization, optical or dental care.
Among the guarantees offered:
- reimbursement of routine care, hospitalization, optical and dental care
- treatment of certain alternative medicines according to the formula
- third-party payment to avoid advance fees
- access to medical teleconsultation
- contract compatible with the Madelin law for self-employed workers
Depending on the formula chosen, reinforced guarantees can also be offered, in particular for the private room in the hospital or dental prostheses.
As with most mutual insurance companies, the price depends on your profile and the level of coverage chosen. A simulation allows you to obtain a personalized quote.
Why subscribe to freelance mutual insurance?
Since the disappearance of the RSI, freelancers have been included in the general Health Insurance scheme, in the “self-employed” branch. However, their coverage remains less advantageous than that of employees on certain positions: sick leavework accidents or unemployment. Since freelance social security contributions are lower, certain guarantees are limited.
Mutual insurance therefore makes it possible to complete Health Insurance reimbursements and to cover unsupported expenses. Without supplements, the costs can quickly become significant.
Freelance mutual insurance, is it compulsory?
No, it is not obligatory. Freelancers are free to choose their complementary health insurance. However, subscribing remains strongly recommended For :
- benefit from pension options in the event of sick leave or death
- be better reimbursed for your care
- take advantage of third-party payment and additional services
- protect your family (children, spouse) if it is attached
What are the criteria for choosing your freelance mutual insurance?
If the world of health coverage is a little foreign to you, you may feel helpless when it comes to choosing your mutual insurance company, the optimal level of guarantee and certain other information to take into consideration.
Here are the criteria on which to base your choice of freelance mutual insurance:
- The reimbursement rate and deadline: That’s what matters most, right? Being better reimbursed is not enough if you have to wait weeks before being reimbursed!
- The waiting period: some mutual insurance companies do not immediately activate certain guarantees: think about this, especially if you are considering changing mutual insurance, because sometimes you can lose several weeks of coverage.
- Additional services: many seek to stand out and expand their additional service offerings, which are very useful for TNS: teleconsultation, household help in the event of hospitalization, childcare, etc. Take into account the options offered before choosing your mutual insurance company.
- The budget: Obviously, this is the most important criterion, or at least the one which will determine the final choice of your mutual insurance company. Keep in mind a certain sense of proportion: it's better to pay more if you want to be well covered. Paying only a little but having to continue paying out of pocket doesn't make any more sense.