From the year they turn 14, prepare your children to get the best start in life together!
As soon as the member reaches their fourteenth birthday, you can, thanks to your health insurance company, build up a nice nest egg for their marriage or cohabitation.
| As of January 1, 2024, no new memberships are possible, although persons who were still saving with another union on December 31, 2023, may continue to save with the Union nationale des Mutualités Neutres if they join a Union nationale des Mutualités Neutres mutuality after that date, taking into account the current statutes, including the benefits provided for, as well as the age limit and other conditions for remaining a saver. |
How to save?
- You can register your child for premarital savings from the year they turn 14 until they turn 27.
- You contribute to premarital savings of 18€ to 48€ per year until their marriage or legal cohabitation (at the latest until the year they turn 30).*
* If you decide to end your affiliation or you pay less than 18€ for 1 year: automatically, you will be refunded the capital saved, plus compound interest of 2.75%
Marriage or cohabitation, prepare to ensure the best start in life together. What are the benefits?
The young person will receive the saved capital plus interest ranging from 10 to 125%, depending on the duration of the savings plan*
At the age of 30, if he is neither married nor co-habiting, what are his/her benefits?
The young person will receive the saved capital plus interest ranging from 5% to 100%, depending on the duration of the savings.*
*This bonus is valid as long as you have saved the maximum each year. Otherwise, premiums are reduced in proportion to actual savings.
For more details, see the table below.
- In this table we consider that the saver pays 48 € per year (the maximum sum).
Affiliation | Saving account (*) | Interest in the event of marriage cohabitation | Total in the event or mariage cohabitation | Interest for 30th birthday or death | Interest for 30th birthday or death |
1st payment | 48,00 | - | 48,00 | - | 48,00 |
6 months | 48,00 | 10% | 52,80 | 5% | 50,40 |
1 year | 96,00 | 20% | 115,20 | 5% | 100,80 |
2 years | 144,00 | 30% | 187,20 | 5% | 151,20 |
3 years | 192,00 | 40% | 268,80 | 20% | 230,40 |
4 years | 240,00 | 50% | 360,00 | 25% | 300,00 |
5 years | 288,00 | 60% | 460,80 | 30% | 374,40 |
6 years | 336,00 | 65% | 554,40 | 35% | 453,60 |
7 years | 384,00 | 70% | 652,80 | 40% | 537,60 |
8 years | 432,00 | 75% | 756,00 | 45% | 626,40 |
9 years | 480,00 | 80% | 864,00 | 50% | 720,00 |
10 years | 528,00 | 85% | 976,80 | 55% | 818,40 |
11 years | 576,00 | 90% | 1094,40 | 60% | 921,60 |
12 years | 624,00 | 95% | 1216,80 | 65% | 1029,60 |
13 years | 672,00 | 100% | 1344,00 | 70% | 1142,40 |
14 years | 720,00 | 110% | 1512,00 | 80% | 1296,00 |
15 years | 768,00 | 120% | 1689,60 | 90% | 1459,20 |
16 years | 816,00 | 125% | 1836,00 | 100% | 1632,00 |
BENEFITS GRANTED FROM 01/01/2015 FOR ALL NEW MEMBERS
Warning:
- The bonuses are valid as long as you have saved the maximum each year. Otherwise, all premiums are reduced in proportion to actual savings.
Cohabitants :
- The date taken into consideration when calculating and submitting the proof is obviously the date mentioned on the legal cohabitation certificate issued by the municipal administration.
- This overview is for informative purposes only. For a precise description of the rights and conditions, only the statutes of the National Union of Neutral health insurance companies are valid, documents which you can obtain on simple request from your health insurance company or by consulting the website.