Whether it's a CPAM denial, a mutuelle dispute, or a private insurer, France's Médiateur de l'Assurance and Code des assurances protect you.
Start My Free Appeal →These bodies regulate insurance and protect your rights as a policyholder in France.
France's financial and insurance regulatory authority (under Banque de France). ACPR licenses and supervises all insurers operating in France, enforces conduct standards, and protects policyholders through market conduct oversight.
Visit website →France's free, independent insurance ombudsman. Handles disputes between individual policyholders and member insurers. Processes approximately 30,000 cases per year. Recommendations followed in ~95% of cases.
Visit website →France's social health insurance body. Manages Sécurité Sociale reimbursements. CPAM denials are appealed to the Commission de Recours Amiable (CRA) within 2 months, then to the Tribunal de Judiciaire.
Visit website →France's consumer protection agency. Handles unfair commercial practices by insurers, including deceptive policy terms and misleading claims handling.
Visit website →France's Code des assurances and Sécurité Sociale framework provide strong policyholder protections.
You have 2 months to file a recours amiable (internal appeal) with CPAM's Commission de Recours Amiable (CRA) for Sécurité Sociale denials.
The Médiateur de l'Assurance is free and requires no lawyer. You must have filed an internal complaint with the insurer first. Apply at mediation-assurance.org.
Under the Code des assurances, ambiguous policy terms are interpreted against the insurer (contra proferentem). This is a powerful argument for disputed exclusions.
Insurance claims have a 2-year prescription period (prescription biennale) under Article L.114-1 of the Code des assurances — shorter than general contract law. Act promptly.
In-depth articles to help you navigate your France insurance dispute.
Travel insurance denied in France? Learn how ACPR, AXA, MAIF, and Médiateur de l'Assurance work — and how to appeal pre-existing condition denials.
Read guide →Health, mutuelle, or private insurance claim denied in France? Learn your rights under French insurance law and how to appeal through the Médiateur de l'assurance. Free guide.
Read guide →Learn how to appeal a denied insurance claim in France through ACPR, FFA Médiateur, CPAM dispute process, and the tribunal judiciaire.
Read guide →Private health insurance denied in Paris? Know your rights under France's insurance regulations and how to appeal with the ACPR and Médiateur de l'Assurance.
Read guide →If your health insurance claim was denied in France, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how ACPR (Autorité de contrôle prudentiel et de résolution) protects you.
Read guide →If your life insurance claim was denied in France, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how ACPR (Autorité de contrôle prudentiel et de résolution) protects you.
Read guide →If your disability insurance claim was denied in France, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how ACPR (Autorité de contrôle prudentiel et de résolution) protects you.
Read guide →If your property and home insurance claim was denied in France, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how ACPR (Autorité de contrôle prudentiel et de résolution) protects you.
Read guide →If your auto insurance claim was denied in France, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how ACPR (Autorité de contrôle prudentiel et de résolution) protects you.
Read guide →If your travel insurance claim was denied in France, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how ACPR (Autorité de contrôle prudentiel et de résolution) protects you.
Read guide →If your dental insurance claim was denied in France, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how ACPR (Autorité de contrôle prudentiel et de résolution) protects you.
Read guide →If your mental health insurance claim was denied in France, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how ACPR (Autorité de contrôle prudentiel et de résolution) protects you.
Read guide →If your workers' compensation claim was denied in France, you have the right to appeal. Learn the exact steps, timelines, and strategies to overturn your denial — including how ACPR (Autorité de contrôle prudentiel et de résolution) protects you.
Read guide →Learn what to do if AXA France has denied your insurance claim. Understand your rights under French law, common denial reasons, and the step-by-step appeal process including ACPR and Médiateur de l'Assurance.
Read guide →Learn how to appeal a denied claim from AXA France. Step-by-step guide to their complaints process, the Médiateur de l'Assurance, ACPR, and your rights.
Read guide →Learn how to appeal a denied claim from Allianz France. Step-by-step guide to their complaints process, the Médiateur AFA, ACPR, and your rights.
Read guide →Start your free appeal — ClaimBack knows France's CPAM, mutuelle, and private insurance dispute process.
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