FREQUENTLY ASKED QUESTIONS - PSC PROVOYANCE - MILITARY PERSONNEL

Contingency planning provides protection against the consequences of events that interrupt or suspend professional activity: illness, accident, disability, death.
These risks have a low probability of occurring, but can have very serious consequences for a soldier’s income and his family’s standard of living.

This is a supplementary social security plan that the French government has decided to set up for its employees.
agents.

The reform of the PSC provident scheme combines guarantees provided by the employer (statutory guarantees) and guarantees provided by a complementary organization within the framework of a group contract.

For military personnel, insofar as statutory cover is mainly focused on risks arising during service, supplementary cover is focused on risks arising outside service.

Decree no. 2025-326 of April 9, 2025, relating to complementary social protection for military personnel, is issued in application of article L. 4123-3 II of the French Defense Code. This text sets out the principles of the optional provident scheme, in particular as regards the scope and beneficiaries, the cover provided and member contributions.

The plan includes guarantees covering the risks of death, incapacity and disability, on a complementary and additional basis. It sets out the terms and conditions for financial participation by the employers to which military personnel belong, and the solidarity mechanisms between beneficiaries.

No, the two systems are totally separate, and are covered by 2 different contracts.

YES, because the two contracts are completely separate.

Participation in the PSC prévoyance contract is optional.

This includes regular and contracted military personnel, in active or non-active status, entitled to even reduced remuneration, employed and remunerated by the French state and its public administrative establishments. Also concerned are military personnel assigned to the Paris fire department and the Marseille marine fire department.

Membership is not subject to any age or health condition if it takes place within 6 months of the group contract taking effect, or within 6 months of the date of recruitment.

Beyond that, a health questionnaire may be required by the complementary health insurance company.

Retired military personnel cannot join the group contract, as they no longer have any remuneration to maintain.

On the other hand, a member of the armed forces who has subscribed to the group contract as an active member may be entitled to the benefits provided under this contract if he or she is removed from the armed forces and discharged from military service due to permanent incapacity.

Military personnel who have subscribed to the group contract and are in an unpaid statutory position are subject to contract suspension for the period in question: they do not pay any contributions and therefore do not benefit from the cover provided during the period in question.

The contract is reactivated as soon as the soldier returns to a paid statutory position, regardless of age or state of health. It is the soldier’s responsibility to inform the complementary health insurance company of any such changes.

For military personnel in “hors cadres” status or seconded to a civilian job, the contract is also suspended. Military personnel seconded in this way may join the group contract negotiated by their host administration.

Affiliation is an individual process, initiated by the member,
directly with the complementary organization awarded the contract. The administration
pre-affiliation.

The member must provide the complementary organization with the last pay slip available at the time of enrolment. The organization will request a new pay slip at least once a year, at the time of the call for contributions.

Once enrolment has been completed, the complementary organization informs the Ministry of the
so that employer co-financing can be set up. This co-financing appears on the pay slip.

Referencing ends on January 1, 2026, but current referenced contracts are not automatically terminated. It should be noted, however, that the benefits provided by referenced contracts have not changed since 2018. In particular, these contracts do not cover the 90% cap on ordinary sick leave.

Generally speaking, if I have a provident contract, I can :

• keep it, but I won’t benefit from government aid,
• cancel it on the insurer’s terms (usually 2 months before the expiry date)

It is possible to be covered by several provident policies at the same time. However, the benefits are deducted from each other. For example, if insurer A and insurer B both guarantee me 100% salary continuation for 2 years, and I am placed on long-term sick leave, only insurer A will pay me additional income.

YES, membership of complementary benefits is co-financed to the tune of €7 per month. This
co-financing is not prorated in the event of a change in situation during the month.

On the other hand, additional and optional benefits are entirely the responsibility of the member who has decided to take them out.

The law stipulates that a change of insurer has no effect on the continued payment of benefits in payment. This means that the current insurer will continue to pay benefits, even after the contract has been terminated. These benefits are known as “deferred” benefits.

Before June 30, 2026, my membership cannot be refused by the new group policyholder, and no additional premium will be applied. However, medical conditions existing prior to enrolment are not covered by the new insurer.

I can therefore join the group contract while I’m on long-term sick leave, without having to pay additional premiums.
premiums, but the insurer will not cover the current leave. My policy will only be useful to me when I return to work, for accidents or illnesses that may occur in the future.

After June 30, 2026, if I decide to subscribe to the group contract, the insurer may, on the basis of the health questionnaire I complete, refuse my application, or accept my application with an exclusion of cover, or an additional premium (higher contribution).