Les accords ANI généralisent l’assurance santé au 01/01/2016 [Document]


La loi du 14 juin 2013 sur la sécurisation de l’emploi prévoit la généralisation de l’assurance collective en matière de santé.  Elle vise plus particulièrement les salariés qui ne bénéficient pas de cet avantage dans leur convention collective. Dès le 01 janvier 2016, toutes les entreprises doivent adhérer à  un contrat d’assurance santé eu égard aux accords conclus dans le cadre de l’ANI ( Accord National Interprofessionnel c’est-à-dire  les accords de branche ou accords professionnels signés par les organisations patronales Medef, CGPME et UPA et 3 syndicats , CFDT, CFTC, CFE-CGC  ). Le coût de cette garantie est réparti à 50% pour l’employeur et 50% en cotisations salariales. C’est une protection supplémentaire pour les salariés qui ne peuvent pas se voire opposer par l’employeur la résiliation de leur adhésion collective car il s’agit d’une adhésion obligatoire.

L’article L113-3 du code des Assurance prévoit en effet que ” Lorsque l’adhésion au contrat résulte d’une obligation prévue par une convention de branche ou un accord professionnel ou interprofessionnel, l’assureur ne peut faire usage des dispositions du présent article relative à la suspension de la garantie et à la résiliation du contrat.”

Ci-dessous vous trouverez l’Accord National Interprofessionnel du 11 janvier 2013 qui précise toutes les avancées qui ont été prises pour la sécurisation de l’emploi et notamment la prise en charge des frais de santé dans son article 1.

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14 thoughts on “Les accords ANI généralisent l’assurance santé au 01/01/2016 [Document]

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