Sogea Environnement PACA resets health scheme for 2027

Employees of SOGEA Environnement PACA in Le Cannet move to a renewed group health-costs scheme on 1 January 2027Legifrance. The new accord, signed on 28 October 2026 with Force Ouvrière, the company's only representative union, replaces every earlier health-costs agreement, membership amendment, unilateral decision and usage in fullLegifrance as part of the convergence of supplementary protection across the SOGEA Environnement delegation. It runs for an indefinite period.Legifrance

The scheme pairs a compulsory base formula called « Confort » with an optional top-up called « Sérénité ». Base membership is compulsory for every employee of the companyLegifrance; staff may add the top-up at their own exclusive extra cost. The contribution is a single rate regardless of family situation, expressed as a percentage of the monthly Sécurité sociale ceiling: 4.40% for the base, or 176.22 euros a month at the 2026 ceiling of 4,005 eurosLegifranceLegifrance, and 6.00% with the top-upLegifrance, or 240.30 euros a month at the same ceilingLegifrance. The company funds 60% of the baseLegifrance — 2.64%, or 105.73 euros — and employees fund 40%Legifrance, or 70.49 euros; the top-up adds 1.60%, or 64.08 euros, paid entirely by the employee. Contributions are reset each 1 January for the ceiling and the scheme's claims experience, and may change at any time for legislative or regulatory cost changes, with future movements keeping the same employer-employee proportionsLegifrance.

Employees may refuse membership on their own initiative only through the statutory exemption cases, claimed on the dedicated dispense form with supporting documents sent to the insurer: short fixed-term contracts, longer fixed-term contracts with proof of equivalent individual cover, part-timers whose total supplementary-protection contributions would reach 10% of gross pay, staff already covered by another compliant group scheme, and couples employed by the same company where one joins in their own right and the other as a dependant.Legifrance Without the written form and documents, membership is compulsoryLegifrance, and exempted employees are warned they lose employer contributions, benefits and post-termination portability, with no reimbursement of health spending under the scheme for themselves or their dependants.

Cover stays during any compensated suspension — full or partial salary maintenance, company-co-funded daily allowances or employer-paid replacement income — with the company paying its share as for active staff while the employee keeps paying theirs; uncompensated suspension ends the cover unless the employee pays the whole contribution. On departure, portability maintains the health cover on the same terms for anyone joining the unemployment scheme, except after dismissal for serious misconduct. The guarantees annexed to the accord are purely informative and bind only the insurer; the company's duty is paying its contributions within the responsible-contract framework. Each employee receives the insurer's information notice, and the social and economic committee is consulted before any guarantee change.

The accord is notified to the representative unions, filed electronically with the DREETS via TéléAccords and on paper with the Nice Conseil de Prud'hommes, and may be revised or terminated under the Code du travail. Legal basis: accord collectif SOGEA Environnement PACA relatif au régime « remboursement de frais de santé », articles L. 911-1, L. 911-7, L. 911-8, L. 871-1 and L. 242-1 II 4° du Code de la sécurité sociale, articles L. 2261-7 to L. 2261-9 du Code du travail.