French Insurance Code
In forceII - The co-insurers appoint a lead insurer from among their number, whose duties they specify in the co-insurance contract. The "apériteur" acts as the sole contact for the policyholder in negotiating the terms and conditions of the contract and its renewal. It may collect all contributions or premiums and pay benefits.
The contract sets out the terms and conditions applicable in the event of a change to or termination of co-insurance, while guaranteeing the rights of policyholders.
When a collective contract with optional membership relating to the reimbursement or compensation of expenses incurred as a result of illness, maternity or accident is co-insured with at least one mutual insurance company or union mentioned in Article L. 211-1 of the Mutual Code, the amount of contributions may only be adjusted according to the income, the social security system of affiliation, the place of residence, the number of beneficiaries or the age of the participating members. In this case, the co-insurers may under no circumstances collect medical information from those insured under the contract or those wishing to benefit from cover, nor may they set premiums on the basis of health status. Furthermore, they may only introduce differences in the level of benefits on the basis of the contributions paid or the marital status of the persons concerned, or when the insured person chooses to use a health professional, a health establishment or a health service with which the contracting organisations or their federations have concluded an agreement under the conditions set out inarticle L. 863-8 of the Social Security Code.
