Allianz (Visit website, opens in a new tab)
French arm of Allianz offering individual complementary health plans.
Also offers
France
Public systemHow health coverage works
In France, basic health cover is provided by the public system.
The public Assurance Maladie reimburses part of most medical costs. Most residents add a complementary health insurance (“mutuelle”) to cover the remainder.
Basic coverage is provided by the public system. Assurance Maladie (ameli.fr)
Complementary insurance (mutuelles)
AXA (Visit website, opens in a new tab)
Large insurer with individual and family complementary health plans.
Also offers
Groupama (Visit website, opens in a new tab)
Mutual insurance group offering individual complementary health cover.
Also offers
Harmonie Mutuelle (Visit website, opens in a new tab)
Large non-profit mutuelle with health plans for individuals and families.
Malakoff Humanis (Visit website, opens in a new tab)
Social protection group with individual and company health plans.
Also offers
MGEN (Visit website, opens in a new tab)
Mutuelle historically serving public-sector staff, now open to more profiles.
Key facts
| Official source | Assurance Maladie (ameli.fr) |
|---|---|
| Insurers listed | Allianz, AXA, Groupama, Harmonie Mutuelle, Malakoff Humanis, MGEN |
| Last reviewed |
Frequently asked questions
How does health insurance work in France?
The public Assurance Maladie reimburses part of most medical costs. Most residents add a complementary health insurance (“mutuelle”) to cover the remainder.
Is private health insurance mandatory in France?
No. In France, basic cover comes from the public system. Private health insurance is optional and usually complements it.
Which health insurers can I look at in France?
Well-known insurers listed for France, in alphabetical order: Allianz, AXA, Groupama, Harmonie Mutuelle, Malakoff Humanis, MGEN. This is not a ranking or a recommendation.
Where can I find official information on health cover in France?
Assurance Maladie (ameli.fr): https://www.ameli.fr