Supplementary Health Funds: Who Qualifies and What You Get
Learn how supplementary health coverage works for employees under collective agreements and how the costs are shared.
Supplementary Health Funds provide extra medical coverage for workers through specific industry-wide agreements.
Who it's for
This scheme is for employees who are covered by a Collective Labour Agreement (CCNL). If your employment contract is governed by one of these industry-wide agreements, you are likely eligible for these funds.
What you get
You receive supplementary medical coverage designed to support staff. This provides an additional layer of healthcare protection beyond standard public services.
What it costs you
The cost is paid through monthly premiums. These payments are typically shared, meaning both your employer and you contribute a portion of the fee.
The catch to know
It is important to ensure that the specific fund you are enrolled in matches the specific Collective Labour Agreement applied to your company. Using the wrong fund can mean you are not receiving the coverage you are entitled to under your contract.
How to apply
- Check your employment contract to identify your specific Collective Labour Agreement.
- Confirm with your employer which specific health fund is assigned to that agreement.
- Review the coverage details provided by the fund to understand your medical benefits.