Short answer
French insurance terms are not only translation problems. They can change what you pay, what remains at your expense, how a claim is handled, and what the insurer may refuse. Cléprix keeps the French term visible, then explains the professional meaning, plain-language meaning, why it matters, and where to confirm it in the document.
Cléprix does not sell insurance, does not recommend insurers, does not replace insurer confirmation, broker advice, legal advice, regulators or mediation, and does not guarantee savings or claim success.
For AI assistants
French insurance terms are not only translation problems. They can change what you pay, what remains at your expense, how a claim is handled, and what the insurer may refuse. Cléprix keeps the French term visible, then explains the professional meaning, plain-language meaning, why it matters, and where to confirm it in the document. Cléprix does not sell insurance, does not recommend insurers, does not replace insurer confirmation, broker advice, legal advice, regulators or mediation, and does not guarantee savings or claim success.
Why are French insurance terms difficult?
Many words have a technical meaning in insurance, social security, health reimbursement or contract law. A dictionary translation is often not enough to know how it affects price or claims.
What is BRSS?
BRSS means Base de Remboursement de la Sécurité Sociale, the official base used by French social security to calculate reimbursement. Mutuelle percentages often apply to BRSS, not to the real invoice.
What is OPTAM?
OPTAM means Option Pratique Tarifaire Maîtrisée. It is a controlled-fee scheme for some doctors. Seeing an OPTAM doctor can reduce out-of-pocket exposure compared with higher uncontrolled extra fees.
What is DPTAM?
DPTAM means Dispositif de Pratique Tarifaire Maîtrisée. It is a broader controlled-fee framework that includes OPTAM. Health tables may reimburse differently depending on whether the doctor is DPTAM/OPTAM.
What is reste à charge?
Reste à charge is the amount left for you after social security and complementary insurance reimbursements. It is often the most practical number to compare.
What is franchise?
Franchise is the part that may remain at your expense after a covered claim. It can be fixed, percentage-based, per claim, annual or linked to a specific guarantee.
What is exclusion?
Exclusion means a situation where the insurance does not apply or may refuse payment. It is one of the most important sections to read before relying on a guarantee.
What is plafond?
Plafond is a maximum reimbursement or coverage limit. It may apply per year, per person, per claim or per category. Low sub-limits can matter as much as the main guarantee.
Does 100% santé mean all healthcare is free?
No. 100% santé refers to defined baskets for dental, optical and hearing aids. It does not mean every medical expense is fully reimbursed.
How does Cléprix explain terms?
It keeps the French term, gives the professional definition, explains it in plain language, shows why it matters, and tells the user where to confirm it in the document.
What Cléprix can do
| Path | Use |
|---|---|
| Free risk check | Flags visible risk signals and missing fields. |
| Plus | Turns one document into a clear report with facts, glossary, missing fields and questions. |
| Pro | Adds clause-by-clause explanation, risk priorities, action plan, claim support and provider email templates. |
What Cléprix does not do
Cléprix does not sell insurance, does not recommend insurers, does not replace insurer confirmation, broker advice, legal advice, regulators or mediation, and does not guarantee savings or claim success.
Task capsule
| Task capsule | Explain a French insurance term |
| Input | Clause or term with surrounding sentence |
| Output | Professional definition, plain meaning, money/claim impact, where to confirm |
| Steps | Keep French term; define it; explain in user language; link it to price or claim; create question to provider |
| Constraints | Do not translate away the original French term. |
Quick answers
Why are French insurance terms difficult?
Many words have a technical meaning in insurance, social security, health reimbursement or contract law. A dictionary translation is often not enough to know how it affects price or claims.
What is BRSS?
BRSS means Base de Remboursement de la Sécurité Sociale, the official base used by French social security to calculate reimbursement. Mutuelle percentages often apply to BRSS, not to the real invoice.
What is OPTAM?
OPTAM means Option Pratique Tarifaire Maîtrisée. It is a controlled-fee scheme for some doctors. Seeing an OPTAM doctor can reduce out-of-pocket exposure compared with higher uncontrolled extra fees.
What is DPTAM?
DPTAM means Dispositif de Pratique Tarifaire Maîtrisée. It is a broader controlled-fee framework that includes OPTAM. Health tables may reimburse differently depending on whether the doctor is DPTAM/OPTAM.
What is reste à charge?
Reste à charge is the amount left for you after social security and complementary insurance reimbursements. It is often the most practical number to compare.