---
title: "Mutuelle and prévoyance: affiliations, waivers and payroll check"
description: Declare a French scheme, track affiliations and waivers with their supporting documents, and match imported payroll contributions.
url: "http://illizeo.com/en/centre-aide/benefits-french-health-and-protection-schemes/"
updated: "2026-11-11"
category: Addons / Benefits
---

# Mutuelle and prévoyance: affiliations, waivers and payroll check

In France, collective *mutuelle* (health costs) and *prévoyance* (death and disability) schemes require close follow-up: who is affiliated, since when, with which dependents, who has a waiver and until when, and whether payroll deducts what it should. The **Social protection** tab of the Benefits module’s HR space handles this follow-up. This article explains how to declare a scheme, read the affiliations and waivers report, affiliate or waive an employee and check payroll. It is for HR, payroll managers and administrators of companies employing staff in France.

## Before you start

- The Benefits module must be installed and enabled (see [Getting started with the Benefits module](https://illizeo.com/en/centre-aide/benefits-getting-started/)).
- The tab follows the **Mutuelle and prévoyance (affiliations, waivers, payroll check)** permission:
  - **Access** level: read the report, the affiliation record and the payroll gaps; held by the Administrator, HR, payroll manager and auditor roles;
  - **Execute** level: affiliate, waive, attach a supporting document and import contributions; Administrator, HR and payroll manager.
- You also need the **Benefits administration — access** permission to open the HR space.
- Scope: you only see the employees you see in the employee list. Contribution imports are limited to the same population.
- Illizeo calculates no contribution: it keeps amounts exactly as payroll deducted them and compares their presence with affiliations.

## Declaring a scheme

A scheme is a benefit in the **Health & protection** category to which you assign a French scheme.

1. Open **Settings › Benefits › Catalog**, then create or edit the health benefit (see [Building the benefits catalogue](https://illizeo.com/en/centre-aide/benefits-catalogue/)).
2. In **French scheme**, choose **Mutuelle (health costs)** or **Prévoyance (death and disability)**.
3. Under **Sub-companies**, click those the scheme covers; under **Categories**, choose **Executives**, **Non-executives** or both. Nothing ticked: the scheme applies to everyone.
4. Click **Activate benefit**.

The category (executive or non-executive) and the sub-company are read from each employee’s main contract. Only active schemes appear in the tab. With no active scheme, the tab shows: “No active French scheme. In Settings › Benefits, choose “Mutuelle” or “Prévoyance” on a health benefit.”

## Reading the affiliations and waivers report

In **Benefits**, **Social protection** tab, the **Affiliations and waivers** view opens by default. It has one row per employee and per scheme that applies to them.

![Social protection tab, Affiliations and waivers view: the All sub-companies, All schemes and All statuses filters, the XLSX and CSV buttons, then the Employee, Sub-company, Scheme, Status and Detail table, with two employees of the Illizeo France SAS sub-company for the Mutuelle frais de santé scheme, both Not affiliated.](https://i0.wp.com/illizeo.com/wp-content/uploads/2026/11/avantages-20.en_-scaled.png?resize=800%2C233&quality=80&ssl=1)
One row per employee and scheme, filterable and exportable.

- **Employee**: the name, with the **Executive** or **Non-executive** category when the contract states it;
- **Sub-company** and **Scheme**;
- **Status**: **Affiliated**, **Waived**, **Pending** or **Not affiliated**;
- **Detail**: for an affiliated employee, the affiliation date, option and number of dependents; for a waived one, the reason and end date.

Filter with **All sub-companies**, **All schemes** (**Mutuelle**, **Prévoyance**) and **All statuses**. The **XLSX** and **CSV** buttons export the filtered view.

A warning banner flags waivers that have expired or end within 30 days: ask for a new supporting document or affiliate the person.

## Affiliating an employee

1. Click the employee’s row. Their record opens, showing their name and the scheme’s.
2. Choose **Affiliation**.
3. Enter the **Affiliation date** (required) and, if needed, the **Option** chosen, for example a cover level.
4. Under **Dependents**, tick the family members covered. They are those recorded on the employee’s profile; if there are none, the record shows “No family member on the profile.”
5. Click **Save**. The message “Saved.” confirms.

![Record of Claire MOREAU for the Mutuelle frais de santé scheme: the Affiliation / Waiver choice set to Affiliation, the empty Affiliation date and Option fields, a checkbox for her partner under Dependents, and the Cancel and Save buttons.](https://i0.wp.com/illizeo.com/wp-content/uploads/2026/11/avantages-21.en_.png?resize=512%2C354&quality=80&ssl=1)
Affiliation: a date, an option, the dependents.

## Waiving an employee

1. Open the employee’s record and choose **Waiver**.
2. Choose the **Reason** from the list. Below the list, the screen shows the reason’s legal basis as Illizeo publishes it (for example an article of the French Social Security Code).
3. Enter the **Waiver end**. It is required, and marked with an asterisk, for reasons that have an expiry.
4. Click **Attach the supporting document** to upload the document (PDF, JPG or PNG). Once saved, **View the saved document** downloads it.
5. Click **Save**.

![Record of Claire MOREAU in Waiver mode: the Reason Fixed-term or temporary contract of 3 months or less, its basis CSS art. L911-7 III et D911-2 shown below, the Waiver end field marked with an asterisk, the Attach the supporting document button, and the Cancel and Save buttons.](https://i0.wp.com/illizeo.com/wp-content/uploads/2026/11/avantages-22.en_.png?resize=512%2C442&quality=80&ssl=1)
A waiver: a reason, an end date, a supporting document.

The list only offers the reasons allowed for the scheme: some apply to mutuelle only, others to both mutuelle and prévoyance. Switching a waived employee to affiliation clears their waiver and supporting document.

Without the Execute level, the record opens read-only, with no save button.

## Checking payroll

Each month, import the mutuelle and prévoyance contributions deducted by payroll: Illizeo flags inconsistencies.

1. In the **Social protection** tab, choose the **Payroll check** view.
2. Click **CSV template** to get the expected format: one row per employee, period and scheme, with the columns employee number, period (YYYY-MM), scheme (mutuelle or prévoyance), presence and employee and employer shares as on the payslip, separated by semicolons.
3. Click **Import contributions (CSV)** and choose your file. The message gives the number of rows imported.
4. If rows are rejected, the **Rejected rows** box gives their number, the employee number and the reason: unknown employee number or outside your scope, scheme other than mutuelle or prévoyance, badly written period.
5. Choose the **Month checked** (last month by default) to read the gaps.

![Payroll check view: the text explaining the monthly import of contributions, the Month checked field, the Import contributions (CSV) and CSV template buttons, and the line No contribution imported for this month.](https://i0.wp.com/illizeo.com/wp-content/uploads/2026/11/avantages-23.en_-scaled.png?resize=800%2C260&quality=80&ssl=1)
One import per month, then the list of gaps.

The gaps table lists, for the chosen month: **Employee**, **Scheme**, **Status**, **Gap** and **Imported shares**. Three gaps are flagged:

- **Affiliated without contribution**: the person is affiliated but payroll deducts nothing;
- **Waived with contribution**: the person has a waiver but payroll deducts;
- **Contribution without affiliation**: payroll deducts for someone who is not affiliated.

With no import for the month, the screen shows “No contribution imported for this month.”; with no gap, “No gap: payroll and affiliations match.” Re-importing a row for the same employee, month and scheme replaces the previous one.

## Good to know

- Affiliation is the employee’s enrolment in the benefit carrying the scheme; a waiver is its declined form, with its reason, end date and supporting document.
- Dependents are taken from the profile’s family, without copying: update the profile to cover a new relative.
- Illizeo calculates no contribution amount; it compares the presence of a contribution with affiliation.
- Waiver reasons and their legal bases cite the texts as Illizeo publishes them; they do not replace the instrument that set up your scheme or your adviser’s opinion.

## Frequently asked questions

### The tab is empty although we have a mutuelle.

The benefit carrying it has no **French scheme**, or it is a draft. Choose **Mutuelle (health costs)** on the benefit and activate it.

### An employee is missing from the report.

Either they are outside your population, or the scheme targets sub-companies or a category other than those of their main contract.

### Why is the end date required for some reasons?

These waivers have an expiry: that is what the 30-day alert watches.

### *Similaire*