General Terms and Conditions of Use of the Website
( the « Site » )

Last update: [       ] 2018


These General Terms and Conditions of Use herein lay down the terms of use of:

  • the public area of the Site for each User, a “User” being any physical person who accesses the Site, even without logging in and having access to a Personalized Space.
  • the Personalized Space on the Site for each Insured Party, an “Insured Party” being:
    • the physical person to whom the coverages of an insurance policy apply (whether or not the said person is the subscriber), the said policy being designed, distributed and/or managed by Henner.
    • or, where applicable, any moral entity having contracted with Henner for a group of beneficiaries,

and of which the policy provides access to a Personalized Space.

Where appropriate, it also applies to Henner partner brokers having access to a Personalized Space.

The consultation of the Site and/or the use of the services offered on the Site is subject to the unconditional acceptance by the User and/or the Insured Party of these General Terms and Conditions of Use.


Access to certain products or services presented on the Site may be subject to restrictions for certain persons or in certain countries. Any person deciding to use the Site is required to comply with the legislation and regulations applicable in his/her country of residence.

Information regarding the service offered on this Site is general and for information purposes only; it is not intended to be exhaustive and has no contractual value. This Information cannot be considered in any way to be advice for which Henner is liable under French insurance legislation [the Code des Assurances]. Only the policy signed at the time of subscription to a service has contractual value.

The User and/or the Insured Party is invited to contact Henner via the contact form on the Site with any request for clarification, additional information or advice on the products and services presented on the Site.


Site Publisher: the company Henner, a simplified joint stock company, with a share capital of 8,212,500 euros, registered in France in the Trade and Companies’ Register of Nanterre under the number 323 377 739, and having its registered offices at 14 Boulevard du Général Leclerc, 92200 Neuilly-sur-Seine,

ORIAS number (sole insurance intermediaries register): 07.002.039

European Union VAT number:  FR 48323377739

Telephone number: +33 (0)1 55 62 90 00


Publication Director’s Name: Mr. Charles ROBINET-DUFFO, Chairman and Chief Executive Officer of Henner,

Hereafter referred to as “Henner”.

Website Host: Groupe Henner Holding, a simplified joint stock company with a share capital of 10,671,540 euros, registered in France in the Trade and Companies’ Register of Nanterre under the number 323 377 292, and having its registered offices at 14 Boulevard du Général Leclerc, 92200 Neuilly-sur-Seine,

Telephone number: +33 (0)1 55 62 90 00


  • The ORIAS register can be consulted on the website
  • Our business is under the monitoring of the ACPR (the French Prudential Supervision and Resolution Authority), 4 Place de Budapest – CS 92459 – 75436 Paris Cedex 09,

For any complaint:

  • If you have an insurance policy subscribed via our services, you are invited to contact your usual contact or your Management Unit, for which contact details are stated in your complementary health insurance card for direct payment.
    If you are unable to obtain satisfaction from your usual contact, please have your user name at hand and call our switchboard number at +33 (0)1 55 62 90 00.
  • In other cases, or if you are dissatisfied with the handling of your matter, please contact the Henner Quality Department at: or use our complaint form.

We undertake to acknowledge reception of your complaint within 10 days, and to respond as quickly as possible and by no longer than within two months (unless the complexity of the matter requires additional time, in which case you will be informed).

As a last resort, please contact the mediator for your policy’s insurer, for which contact information will be provided on request by the contact person in charge of your case.


The Site enables the User and/or the Insured Party to:

  • consult information about:
    • available insurance product offers (such as complementary health and welfare plans, funeral coverages, expatriation/foreign secondment insurance policies, life insurance, vehicle insurance, home insurance, educational insurance, etc.);
    • the Henner Group, its commitments, and its locations in France and around the world;
    • recruitment and job advertisements for positions at Henner;
    • Henner press releases;
  • contact Henner – or ask to be contacted by Henner – about operations in connection with the offers (requests for information about an offer, an emergency, and the Carte Blanche healthcare network);
  • access to an Insured Party’s Personalized Space.
  • contact us about any functional problem with the Site, or ask to be contacted by Henner ;
  • request an estimate for an offer;
  • access to the contribution calculation simulator for certain offers;
  • download commercial brochures/fact sheets about offers;
  • read questions/answers about offers and activities pertaining to them, as well as about the Site’s operation;
  • consult “Advice files”, information and news about insurance product offers and related businesses;
  • view videos about Henner’s business.


Henner cannot in any way guarantee constant operation free from any failure or information technology bug. Notably, at any time:

  • service may be suspended, interrupted or limited, affecting all or part of the Site, or access to the entire Site or certain parts of the Site may be reserved for a category of Users and/or Insured Parties;
  • access to the Site may be modified or suspended for maintenance reasons, such as for updates, or for any other legitimate reason.

Henner will endeavor to notify the User and/or the Insured Party in the event of unavailability of the Site, by whatever appropriate means and, notably, by means of announcements on the Site’s home page.

An unavailability of the Site will not in any way render Henner liable, and gives a User and/or Insured Party any right to compensation.



Every Insured Party whose contract provides access to a Personalized Space can enjoy this personalized access.

Access to the Personalized Space requires a user name and password provided by Henner by email. For security reasons, the password must be changed by the Insured Party when logging in for the first time. The password must be at least 6 characters in length, and must not be the Insured Party’s user name, surname, first name or date of birth.

The password must be changed regularly by the Insured Party in his/her Personalized Space, in the “Change Password” tab. It is strictly personal and non-transferable, and its confidentiality is the Insured Party’s responsibility, who undertakes to take all reasonably-possible measures to keep it secret, and assumes full responsibility for its disclosure to third parties. Therefore, Henner will accept no liability for any prejudice possibly caused by fraudulent use of an Insured Party’s Personalized Space.

If the Insured Party forgets his/her password, he/she can request a password reset. To do this, The Insured Party click on the “Forgotten Password” tab and enters his/her email address, to which a new temporary password will be sent, which the Insured Party then have to change when logging in for the first time.

Access to the Personalized Space is secure, which ensures confidentiality of the information provided for performing certain actions online.

The Insured Party uses his/her Personalized Space under his/her sole responsibility. He/she guarantees Henner that he/she is the only person to access the information stored in his/her Personalized Space.

In the event of unauthorized use of the Insured Party’s account, he/she undertakes to notify Henner without delay.

The Insured Party is responsible for the content of the data he/she uploads to his/her Personalized Space. The Insured Party undertakes to ensure that documents are truthful, do not infringe the rights of third parties, do not contravene the law, and are not disturbing of public order or offensive to morality.

Henner reserves the right to take whatever action against the Insured Party in the event of a violation of the terms and conditions herein. In particular, Henner reserves the right to suspend or delete an Insured Party’s Personalized Space, and to take legal action.


The Personalized Space enables an Insured Party to consult his/her reimbursements, to request coverage of a hospital treatment, to access the network of health professionals accepting third-party payment, to manage his/her account, to manage his/her statements of premiums, to manage his/her employees, to consult documentation, etc. For more information about the services offered in a Personalized Space, the Insured Party is invited to read the insurance policy by which he/she is covered.


Access to the Insured Party’s Personalized Space will be suspended three months after the end of the policy by which the Insured Party is covered.


In some cases, the Insured party can make payments in his/her Personalized Space by credit card or from a Paypal account, to settle premiums payable under the terms of the policy covering the Insured Party. The online payment facility offered by Henner is secure.
When online payment is available, the amount is automatically stated including and excluding VAT, with a stipulation of the service covered.


Service is provided by Ogone, an electronic payment service provider that is PCI-DSS-certified (Payment Card Industry – Data Security Standard) by Visa and Mastercard. It incorporates the 3D Secure identification processes (verified by Visa, MasterCard, Secure Code and JCBJ Secure). It enables an Insured Party’s bank details to be encrypted during transfer.


The payment cards accepted for online payment are: Carte Bleu, Visa, Mastercard and American Express.


When payment is made, the transaction’s status is displayed on the Personalized Space, providing the Insured Party with proof of the payment made. In addition, an email is sent to the Insured Party to confirm the payment of invoices, restating the information in the summary in the Personalized Space.


With regard to its business, and in compliance with applicable French and European legislation, Henner undertakes to ensure the best-possible level of protection, confidentiality and security of the personal data of Users and/or Insured Parties, and the best-possible protection of their privacy.

For all information about personal data protection and Henner’s use of cookies, the User and/or the Insured Party is invited to consult the Henner Privacy Policy, which is accessible here or via a link provided at the bottom of each page on the Site.



The User and/or the Insured Party is informed that all illustrations, drawings, photographs, presentations, texts, source code, and, generally, any content featuring on the Site are the exclusive property of Henner and/or its affiliated companies, and that all content is protected by intellectual property rights.

Therefore the User and/or the Insured Party is prohibited from doing the following without prior written consent from Henner and/or its affiliated companies. If not, the User and/or the Insured Party is subject to  civil and criminal penalties:

  • reproducing or causing the reproduction of the components of the Site, in whole or in part, temporarily or permanently, in whatever manner, on whatever medium, in any format, and by whatever process, whether currently known or not;
  • representing or causing the representation of the components of the Site, in whole or in part, in entirety or through extraction, by whatever manner or process, and via whatever means of dissemination or communication, whether currently known or not;
  • adapting or causing the adaptation of the components of the Site, whether in entirety or in part, whether temporarily or permanently and, notably, translating the components of the Site in whatever language, creating whatever derivative work, making whatever new versions or new developments from the Site’s components, and maintaining, modifying, arranging, assembling or digitizing the Site’s components, either in entirety or in part.

This prohibition applies without geographical limitation, for the term of protection granted by intellectual property law, covering whatever means of exploitation, whether free of charge or for payment.


All brands to which reference may be made on this Site are trademarks duly registered with the INPI (French Patent office), and are thus protected. Similarly, the names of the companies, products and services, and any other distinctive features mentioned on this Site, are the property and the result of the efforts and investments of Henner and/or its affiliates, and are thus protected. Therefore, their usurpation is strictly forbidden and their eventual use is subject to the prior written consent from Henner and/or its affiliated companies. If not, the User and/or the Insured Party is subject to civil and criminal penalties.


Under no circumstances will Henner be liable for prejudices suffered by a User and/or the Insured Party with regard to:

  • an outage of the Site beyond its control, or a case of force majeure causing an outage or malfunctioning of the Site;
  • an exceptional and temporary unavailability of the Site necessary for performing maintenance or improving functionalities;
  • any incident or outage of the Site due to a malfunction and/or shortcoming of systems or hardware, and/or of the software and infrastructure of a User and/or Insured Party;
  • whatever financial loss, loss of clientèle, disruption of business, or loss of programs or data resulting from use of the Site;
  • unauthorized intrusion by a third party into the information technology system of the User and/or Insured Party, resulting in the dissemination of harmful software;
  • connection to or consultation of the Site in countries where such use constitutes a violation of applicable law or regulations;
  • whatever inconveniences or prejudices due to using the Internet network, notably in the event of failure or of difficulty or interruption of operation preventing access to the Site and/or any of its functionalities.


The Site has been optimized for a 1024-by-768-pixel display using modern browsers such as MOZILLA FIREFOX (3.6 and above), GOOGLE CHROME, MICROSOFT INTERNET EXPLORER (IE8 and above) or SAFARI.


Some documents that can be consulted or downloaded on the Site are in PDF format, and are only readable if the Adobe Acrobat Reader (a registered trademark of Adobe Systems, Inc.) is used.
To get this plugin free of charge, please click on the logo below:


Henner reserves the right to change the provisions of these General Terms and Conditions of Use at any time, due to changes to the Site, changes in configurations and, notably, due to technical requirements or plugins, or due to changes in legislation or any other legitimate reason.

Therefore, the User and/or the Insured Party is invited to check regularly for any changes. The User and/or the Insured Party can establish the date on which Henner made the latest changes by referring to the “Last Update” stated above.


Any information accessible via a hypertext link to other sites is not under Henner’s control and, consequently, Henner declines all responsibility for the content thereof.

Publication by a User and/or Insured Party of hypertext links to all or part of the Site is strictly prohibited, unless with prior written permission from Henner, which can be requested by email to: Henner reserves the right to refuse a request from a User and/or Insured Party without having to provide reasons for its decision. If Henner authorizes the publication of hypertext links, the permission will be temporary and may be withdrawn at any time, without any specific reason, and without the User and/or the Insured Party being eligible to lay claim to an acquired right. In all cases, the link must be removed at first time of requesting by Henner.


These General Terms and Conditions of Use are subject to French law. In the event of a dispute that cannot be settled out of court, jurisdiction is assigned exclusively to the Courts of France.