A mutual insurance company cannot refuse affiliation to a compulsory hospitalisation service to any person who meets the conditions for affiliation (supplementary insurance = compulsory component). Any person affiliated to the mutual insurance company has access to this service regardless of their state of health (without a medical questionnaire and with cover for pre-existing conditions). The cover is subject to change and is proportional to the related fixed contribution.

Only those who are members of a mutual insurance company affiliated to the mutual society can be insured with the mutual society offering insurance products (optional component). If you change your mutual insurance company for your supplementary insurance, you may be obliged to change your mutual society. The articles of association lay down the conditions for admission and exclusion.

At present, private sector insurers can refuse a prospective policyholder or insured party at their discretion. However, it is advisable to be mindful of anti-discrimination laws and the right to insurance for the chronically ill and disabled up to the age of 65.

In the case of individual continuation of a so-called collective health insurance contract, i.e. linked to professional activity, the situation is different. Indeed, unless they lose the benefit of the group health insurance contract in case of fraud, any person affiliated to a so-called group insurance has the right to pursue the insurance individually when they lose it, without having to undergo an additional medical examination or having to fill out a new medical questionnaire.

To this end, the principal insured party must, during the two years preceding the loss of the group health insurance contract being pursued, have been continuously affiliated to one or more successive health insurance contracts taken out with an insurance company within the meaning of the present law.

Last update
15 December 2020