Fooderise

HCR Mutual Insurance: Mandatory and Specificities

Hygiene & Regulation 5 min read 8 octobre 2025

Employer coverage: The employer must pay at least 50% of the minimum care package contribution.

The employee may refuse the supplementary health insurance if they already have coverage (spouse, CMU, short-term CDD). They must provide written proof.

Portability: In the event of contract termination (excluding gross negligence), the employee retains their health insurance coverage free of charge for a maximum of 12 months (funded by mutualization).

HCR Regime: There are specific HCR offers negotiated by the branch, often more suitable (dental care, optometry).

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