2023-12-18 15:30:14
France is recognized worldwide for its efficient and accessible health system. At the heart of this system is a unique financing model combining solidarity and individual responsibility. Let’s explore the main financing mechanisms for French health, and highlight the aspects that contribute to its success.
Social Security :
At the center of the health financing system in France is Social Security. Created in 1945, this institution aims to provide social protection to the entire population. Its financing comes mainly from social contributions levied on workers’ salaries and contributions from employers. These contributions finance the different branches of Social Security, including Health Insurance.
Health insurance :
Health Insurance is dedicated to the reimbursement of health expenses. It covers part of the medical costs, from consultations with doctors to hospitalizations and medications. Reimbursement is generally set at a percentage of the conventional rate, leaving a remaining portion to be borne by the insured, covered by complementary health insurance.
Health supplements:
Although Health Insurance reimburses a large part of health costs, complementary health insurance, also called mutual insurance, supplements this coverage. Supplementary insurance is private insurance taken out by individuals or provided by employers. Supplementary health insurance contributions vary depending on the level of coverage chosen, offering flexibility to policyholders to personalize their protection according to their needs.
The (CSG) and the (CRDS):
In addition to social contributions, France has introduced the Generalized Social Contribution (CSG) and the Contribution to the Reimbursement of Social Debt (CRDS) to finance Social Security. These contributions, taken from all income, feed the solidarity fund and help finance social spending. The CSG and the CRDS provide a stable and expanded source of financing, thus reducing dependence on employee contributions.
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