Discover our health insurance plans by profile
Whatever your age or family situation, Prialys offers top-up health insurance perfectly tailored to your needs. Enjoy extended coverage, a wide range of enhanced services and a broad selection of options to ensure optimal everyday protection.
Enjoy comprehensive health coverage tailored to your needs and your budget.
Comprehensive health coverage for seniors, with reinforced benefits for your essential care (ages 50–90)
Tailor-made health coverage for young people, adapted to your lifestyle and budget.
Tailor-made health coverage for you and your family, including children.
Enjoy comprehensive health coverage tailored to your needs and budget in any country.
Discover our health insurance plans by need
Whatever your age or family situation, Prialys offers top-up health insurance perfectly tailored to your needs. Enjoy extended coverage, a wide range of enhanced services and a broad selection of options to ensure optimal everyday protection.
Dental Health Plan
Dental health plan to genuinely reduce your out-of-pocket costs at the dentist: orthodontics, prosthetics and more.
Optical Health Plan
Optical health plan: glasses, lenses, contacts — how to get better reimbursements?
Hospital Insurance
Hospital insurance: protect against major risks without breaking your budget
Alternative Medicine & Wellness Plan
Health plan and alternative medicine: osteopathy, psychotherapy, chiropractic — what can your contract cover?
Enjoy comprehensive health coverage tailored to your needs and budget in any country.
Maternity & New Parents Plan
Health plan and chronic conditions (ALD): how to limit your long-term out-of-pocket costs?
Health Plan Diagnosis: find the right coverage for you
Everything you need to know about top-up health insurance
What is the difference between “mutuelle”, “complémentaire santé” and “assurance santé”?
In everyday usage, these three terms refer to the same thing : a contract that supplements the reimbursements from the French Social Security (Sécurité sociale).
Mutuelle (mutual insurance) : strictly speaking, this is a non-profit organisation governed by the French Mutual Insurance Code.
Top-up health insurance / health insurance : these are contracts that may be offered by mutuelles, insurers or provident institutions.
For an individual, what matters is not the word used, but :
le niveau de garanties (hospitalisation, soins courants, dentaire, optique, audio…),
les conditions (carences, exclusions, plafonds),
et le budget.
What is the difference between an individual mutuelle and a company mutuelle?
La company mutuelle is set up by your employer:
- elle est mandatory for most employees du privé ;
- the employer pays at least 50% of the premium ;
- coverage is the same for all employees (sometimes with options).
La mutuelle individuelle est souscrite à titre personnel :
- vous choisissez vous-même le niveau de garanties ;
- you need it if you are self-employed, retired, or wish to better cover certain expenses ;
- you can fine-tune it to your situation (young person, family, senior, self-employed, etc.).
How do I know if my current mutuelle still suits my needs?
Some warning signs :
- vos restes à charge augmentent (dentaire, optique, dépassements d’honoraires, hospitalisation) ;
- your situation has changed: retirement, children, chronic illness, self-employment… ;
- you no longer clearly understand what is actually reimbursed.
The right approach :
- regarder vos dépenses de santé sur 12 à 24 mois ;
- identifier les postes majeurs (dentiste, lunettes, hospitalisation, consultations spécialisées) ;
- comparer ces besoins avec les lignes de votre tableau de garanties ;
- demander, si besoin, un avis à un courtier pour envisager des scénarios (niveau au-dessus, au-dessous, contrat senior, etc.).
What do reimbursements of 100%, 200% or 300% of the BR mean?
La BR (Base de Remboursement) est le tarif de référence fixé par la Sécurité sociale pour un acte.
- 100% BR = Social Security + mutuelle reimburse together up to 1 fois la base.
- 200% BR = up to 2 fois la base.
- 300% BR = up to 3 fois la base, etc.
Simple example :
if the base is €25 and the mutuelle reimburses at 200% BR, the maximum total (Social Security + mutuelle) can reach €50.
Note :
- cela ne garantit pas que toute facture sera remboursée,
- certains praticiens facturent bien au-dessus de ces montants,
- pour le dentaire, l’optique et les aides auditives, il existe aussi des plafonds en €.
What is the difference between a “young”, “family” and “senior” mutuelle?
These are not radically different products but rather different coverage orientations :
Young adult plan :
- emphasis on hospitalisation and primary care ;
- dental and optical often at a basic level to keep costs down.
Family plan :
- reinforced dental (orthodontics, prosthetics) and optical (multiple glasses wearers) ;
- children’s hospitalisation and private room can be important.
Senior plan :
- emphasis on hospitalisation, recurring care, dental, optical, hearing ;
- sometimes specific services (assistance, home help, etc.).
Ultimately, what matters is checking that the distribution of guarantees matches your reality (young professional, parent, retiree…).
What is a top-up complementary health policy (surcomplémentaire)? Is it useful?
La surcomplémentaire santé est un contrat qui vient on top of an existing health plan, often a company health plan.
It is useful if :
- your company health plan is mandatory but too weak on certain items (for example, dental or optical) ;
- you wish to strengthen only a few specific items without changing your base contract.
It is not essential for everyone, but relevant :
- for some employees with a limited group contract,
- or for people with particularly coûteux.
Can you have two health mutuelles at the same time?
Yes, it is technically possible to have deux mutuelles, but :
- this doesn’t allow you to be reimbursed beyond the actual expense réelle ;
- coordinating the two contracts can be complex ;
- you pay two premiums.
In many cases, it is better to :
- optimiser un seul contrat bien adapté,
- ou, si besoin, ajouter une surcomplémentaire ciblée plutôt que deux mutuelles générales.
Mutuelle vs. prévoyance: what's the difference?
La health insurance (mutuelle) rembourse des healthcare costs (consultations, medication, hospitalisation, dental, optical…).
La prévoyance covers revenu and personal protection :
- daily allowances in case of sick leave,
- disability pension,
- death benefit, etc.
Les deux sont complementary :
- the mutuelle limits your medical expenses,
- la prévoyance limite la perte de revenus si vous ne pouvez plus travailler.
Can you change mutuelle easily? When?
Yes, switching has become easier :
- after one year of contract, many mutuelles are cancellable at any time (infra-annual cancellation),
- certain life changes (moving, marriage, retirement, job loss, etc.) may also justify cancellation.
This doesn’t mean you should switch every year.
Best practice is to :
- de faire un point lorsqu’un changement de vie important survient,
- ou lorsque vous constatez un décalage durable entre vos besoins et vos remboursements.
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