
Mandatory Health Insurance Certificate in Wage Portage
Working under wage portage and asked for a mandatory health insurance certificate? Here is exactly how to get it from your umbrella company, step by step.
Payroll umbrella barometer
Five years of Weepo data. Five independent sources. A quantified portrait of the French umbrella employee.
Blog
Wage portage and simulation
Explore how it works and estimate your net income in a few clicks.
Pick a tool: it opens in a new tab with a prompt ready to summarize this page.

Mehdi is thirty-four, has twelve years of IT experience, and a genuine fear of French payroll paperwork. He just signed his first wage portage assignment without really knowing what it changes for him. You might be in the same spot right now, and that's exactly why this guide exists.
Wage portage is governed by ordinance n°2015-380 of April 2nd 2015 and by the collective bargaining agreement of March 22nd 2017 (IDCC 3219), which sets the minimum remuneration for carried employees. The collective minimum is not automatically equal to 85% of France’s monthly social security ceiling: amendment no. 12 distinguishes several classifications and sets total minimum gross remuneration at no less than 69% of the reference ceiling defined by the agreement, with a monthly component and a financial reserve. The applicable amount therefore depends on the classification, working time and assignment. Check article 21.3 of the collective agreement on Légifrance before using a fixed amount.
The contract binding you to the umbrella company actually creates a genuine subordination relationship, precisely governed by the industry's collective agreement. For the official texts, three sources matter most: URSSAF for contributions, Legifrance for the ordinance itself, and travail-emploi.gouv.fr, which keeps a regularly updated practical fact sheet.
At Weepo, we support hundreds of consultants every month through this move toward secure independence. For a full overview of the scheme, our dedicated wage portage page brings together everything you need before getting started.
The principle is simple: you hand over the admin, social and tax management of your independent activity to an umbrella company, which turns the revenue you invoice to clients into a salary, while you keep complete commercial freedom.
Management fees, usually 5 to 10% of revenue, along with the minimum daily rate most umbrella companies require, are the two main limitations. Net income also stays lower than direct invoicing at an equivalent rate.
It's an employment contract, fixed-term or permanent, signed between the portage employee and the umbrella company. It always comes with a membership agreement and a separate service contract signed with each client.
Compare management fee rates, how responsive their support team is, the company's financial stability, the quality of guidance they offer, and how transparent they are about net salary calculations before you sign anything.
The portage employee keeps full social protection (unemployment, pension, health cover), never has to set up a legal structure, and gets complete administrative support while staying commercially independent.
Gross salary equals the invoiced revenue minus the umbrella company's management fees, employer and employee contributions, then paid-leave provisions. The final take-home typically lands between 45 and 55% of the amount invoiced before tax.
Pick a tool: it opens in a new tab with a prompt ready to summarize this page.

Author

Responsable Marketing & Communication chez Weepo, je suis passionnée par l'animation du réseau et l'accompagnement de nos consultants. J'organise des événements parisiens et accompagne nos équipes régionales pour créer des moments d'échange enrichissants dans l'écosystème du portage salarial.
More

Working under wage portage and asked for a mandatory health insurance certificate? Here is exactly how to get it from your umbrella company, step by step.

What is an SNC (French general partnership)? Discover its definition, how it works, taxation rules, setup steps, and the best alternatives in France in 2026.

Misuse of company assets in a French SASU or EURL: legal definition, the three conditions, 2026 penalties and practical tips to keep your company risk-free.