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What is a mutuelle santé (supplementary health insurance) for?
Model-written, not yet read by a native reader.
Correct answer: To top up the refund from Health Insurance. A mutuelle santé tops up the basic cover from Health Insurance. It is not compulsory, but it is recommended. Every private-sector employer must offer one. Source: the Ministry of the Interior sheet “La prise en charge : les différentes couvertures maladie” (in French).
Sources: Sheet “La prise en charge : les différentes couvertures maladie” (French), read on 21 October 2026. Answer written by Hexaciv from this source. Hexaciv is an independent preparation tool. It is not an official website, is not linked to any government body and does not give legal advice. The authoritative source is the Ministry of the Interior's, cited on this page.
The four choices and why
- ✗ To replace the carte Vitale for careÀ remplacer la carte Vitale pour les soinsIt does not replace the carte Vitale.
- ✓ To top up the refund from Health InsuranceÀ compléter le remboursement de l'Assurance MaladieCorrect answer. A mutuelle santé tops up the basic cover from Health Insurance. It is not compulsory, but it is recommended. Every private-sector employer must offer one.
- ✗ To pay the rent in case of illness or sick leaveÀ payer le loyer en cas de maladie ou d'arrêtIt tops up health cost refunds, not the rent.
- ✗ To choose a family doctor for the householdÀ choisir un médecin traitant pour la familleThis choice is made with a general practitioner, not with the mutuelle.
What the source says
« La couverture complémentaire complète la couverture de base assurée par la protection universelle maladie (PUMa). »
Sentence copied word for word from the source, in French, read on 21 October 2026.
How it reads on exam day
The exam is in French, so this is the question you will see: « À quoi sert une mutuelle santé ? ». Learn the English idea above and the French words in the options.
This question is on the official list for the multi-year residence card (CSP) and on the naturalisation list (PDF read on 14 October 2026). The Ministry's wording: “À quoi sert une mutuelle santé ?”.
Where the Ministry explains it
Sheet “La prise en charge : les différentes couvertures maladie” (French).
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