complementary health - mutual, institutes provident funds and insurers are preparing for the gradual entry into force of the 100 % health, also known as "Remains at zero-load". "We are working hard. We need to review all our ranges of contracts, because it changes the way of thinking of repayments in optics, explains Philippe Dabat, director of insurance of individuals at AG2R La Mondiale Matmut. But it is a very good reform."

All companies should be ready on the 1st of January next. Some have even pre-empt the call. Harmony Mutual, the first mutual of France, announced in march that it would apply the reform as of 1 July for its two million insured individual. To be reimbursed at 100 %, they should go through a professional contracted by the mutual.

"About 65 % of our members pass through our care network (Kalixia) and, most often, pay not a dime when they change their glasses or go to the dentist"

Laurent Borella, director health of Malakoff Médéric Humanis

In fact, from 2015 and the introduction of "contracts managers" (respecting precise specifications), most mhos have established ...