🏆 Top 3 health insurance plans for the self-employed
Our selection of the best top-up health plans for freelancers and TNS (travailleurs non salariés, the French self-employed status): Alan, Orus and Wemind.
📊 Detailed comparison
Compare the key features of each tool at a glance.
| Criterion |  Alan From €50/month (French offer, may differ locally) |  Orus Health insurance from €30 a month |
|---|---|---|
| Positioning | 100% digital health insurance | Health insurance + business insurance |
| Income protection (prévoyance) | ✗ | ✓ |
| Professional liability (RC Pro) offered | ✗ | ✓ |
| Other business insurance (ten-year liability, premises...) | ✗ | ✓ |
| Madelin law eligible (tax deductible) | ✓ | ✓ |
- Positioning
- 100% digital health insurance
- Income protection (prévoyance)
- ✗
- Professional liability (RC Pro) offered
- ✗
- Other business insurance (ten-year liability, premises...)
- ✗
- Madelin law eligible (tax deductible)
- ✓
- Positioning
- Health insurance + business insurance
- Income protection (prévoyance)
- ✓
- Professional liability (RC Pro) offered
- ✓
- Other business insurance (ten-year liability, premises...)
- ✓
- Madelin law eligible (tax deductible)
- ✓
🎯 Which mutuelle should you choose for your profile?
💼Young freelancer with few health expenses
If you are young and healthy with few medical costs, go for a mutuelle with moderate premiums and good cover for everyday care. What matters is having basic protection for the unexpected without paying for guarantees you do not need.
🌱Freelancer with a family or specific needs
For a freelancer with a family or particular health needs (optical, dental, specialists), mutuelles like Alan or Orus offer complete plans with good reimbursements and handy digital services to manage the whole family's health.
Frequently asked questions
No, a mutuelle is not mandatory for a freelancer, unlike employees, who are covered by their company's compulsory plan. It is strongly recommended though, because French Social Security only reimburses part of your health costs, especially for optical and dental care.
The cost ranges from €30 to €150 a month depending on your age, the guarantees you choose and your family situation. Basic plans start at around €30-50 a month, while complete family cover can reach €100-150 a month. Freelancers can deduct these premiums from their income.
Yes, mutuelle premiums are deductible from taxable income for a freelancer. They count as deductible social charges, which reduces your tax base. Keep your receipts for your tax return.
A mutuelle covers health costs but not daily allowances during sick leave. For that, you need a separate prévoyance (income protection) policy. Some mutuelles offer combined mutuelle + prévoyance packs designed for the self-employed.
You can cancel your mutuelle at any time after one year of commitment, with 2 months' notice. Make sure you have signed up with your new mutuelle before cancelling the old one to avoid any gap in cover. Compare the waiting periods of the new guarantees carefully.
Both are excellent mutuelles for the self-employed, Madelin law eligible and with teleconsultation. Alan focuses on a 100% digital experience and paperwork-free reimbursements, but only covers health. Orus starts cheaper (mutuelle from €30 a month) and lets you centralise your health, income protection and business insurance (professional liability, ten-year liability...) in one place. In short: Alan if you want the best pure health experience, Orus if you want a low entry price and everything with a single insurer.
In our selection, Orus has the most accessible entry price, with a TNS health plan from €30 a month. Since premiums are deductible under the Madelin law, the real cost after tax is even lower. Do not choose on price alone though: check the reimbursement levels (optical, dental, extra fees charged by doctors) against your real needs.