France Supplementary Health Insurance

Toku provides a supplementary health insurance plan in France in compliance with local regulations. This coverage complements the French public healthcare system (Sécurité sociale) and includes medical, hospital, dental, optical, and hearing benefits.

Employees are automatically enrolled in the plan via Alan on their start date. No action is required unless adding dependents.

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Summary of Alan Green Plan

Toku partners with Alan, a licensed French health insurer, to provide the company’s supplementary healthcare (mutuelle).

Alan Employee Notice

Premium Breakdown

• The cost of the company health insurance plan is shared between the employer and the employee:
  • The employer pays 50%
  • Employees pay 50%
• Your portion of the cost is automatically deducted from your paycheck.
• If you choose to add dependents (spouse, partner, or children):
  • Dependent coverage is optional
  • 100% of the dependent cost is paid by the employee and deducted from payroll

Standard France (outside Alsace-Moselle)

Alsace-Moselle (Bas-Rhin, Haut-Rhin, Moselle)

Employees working in Alsace-Moselle are covered under a three-tier system:

1. Sécurité sociale — the national base coverage
2. Régime Local d'assurance maladie Alsace-Moselle — a mandatory regional regime, automatically applied to all employees working in Bas-Rhin, Haut-Rhin, or Moselle. It raises your base reimbursement rate to approximately 90% (vs. 70% in the rest of France). This regime is funded entirely by the employee via a payroll deduction of approximately 1.5% of gross salary.
3. Alan supplementary plan — Toku's company mutuelle, covering the remaining gap Because the Régime Local already provides a higher base reimbursement, the Alan plan covers a smaller remaining gap - and as a result, the premium is lower.

Note: Your payslip will also show a separate deduction for the Régime Local contribution (~1.5% of gross salary). This is distinct from the Alan plan premium above.

Eligibility & Enrollment

• All employees are automatically enrolled in the company health insurance plan.
• There is no waiting period or seniority requirement.
• Enrollment is mandatory under French law, unless you qualify for a legal exemption.

Dependents

You may choose to enroll:

• A spouse or partner
• Dependent children (under age 25 or recognized as disabled) Dependent enrollment is optional and employee-paid.

Waiver (Opt-Out) Eligibility

You may request a waiver only if you meet specific legal criteria, such as:

• You already have individual health insurance (temporary exemption)

• You are covered by another employer’s group plan or as a dependent

• You are on a short-term contract (CDD or apprenticeship)

• Your contribution would equal at least 10% of your gross pay

• You receive public health assistance (CSS) To waive coverage:

• You must submit a written waiver request

• You must provide supporting documentation

• You must email [email protected] If your waiver is no longer valid, you will be automatically enrolled.

How to Use Your Health Coverage

Once you are enrolled, you will manage your health insurance entirely through your Alan account, available on the web and mobile app.

In your Alan account, you can:

• View your coverage details and reimbursement levels
• Access your digital insurance documents and third-party payment card
• Track the status of reimbursements
• Upload documents or receipts when needed
• Update personal information and manage dependents (if eligible)

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Summary of Covered Services

This section provides an overview of benefits covered by the supplementary health insurance plan. Expandable sections below include detailed coverage information by service type.

Routine Medical Care

Mental & Alternative Care

• Psychology (Social Security - covered):
  • 12 sessions per year with a partner psychologist
• Alternative & wellness care:
  • €30 per session, up to 4 sessions per year (total)
    • (Includes osteopathy, acupuncture, chiropractic care, dietitian, podiatry, and psychology not covered by Social Security)
    • OPTAM providers follow regulated pricing and generally result in higher reimbursement levels. View full plan documentation

Hospital Coverage

Dental Coverage

Hearing Coverage

Optical Coverage

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Meal Vouchers (Titres-Restaurant)

As part of your benefits in France, you receive meal vouchers (titres-restaurant) to help cover the cost of food and meals during your working days.

What you get

• You receive one meal voucher for each day you work that includes a meal break.
• The voucher is co-funded:
  • Toku (your employer) pays 60% of the voucher's value - this part is completely tax-free for you.
  • You pay the remaining 40%, taken as a small deduction from your net pay.
• Example: on a €9 voucher, Toku contributes €5.40 and €3.60 comes from your pay - so you get €9 of meal value for a €3.60 cost. The exact face value for your plan appears on your payslip.
• Vouchers are loaded onto a card or app from the provider (e.g., Edenred, Pluxee, Swile) each month.

Where and when you can use them

• Where: restaurants and bakeries, and - through 31 December 2026 — groceries and food products in supermarkets, in France.
• How much per day: up to €25 per day.
• When: on working days. Vouchers can't be used on Sundays or public holidays, unless you work those days and it has been authorized.
• What for: food and meals only. Vouchers are personal to you and can't be transferred.

Good to know

• Unused balances generally roll over and stay valid for a defined period set by the provider - check your provider's app for your exact expiry.
• The employer-funded portion is exempt from tax and social contributions (within the legal limit), so it's genuine extra value on top of your salary.
• If you'd prefer not to take part in the meal voucher scheme, that's your choice - just let us know and we'll arrange it.

Questions?

Reach out to your Toku contact or email [email protected] and we'll be happy to help.