The Mercer birth grant is a contractual benefit paid by the supplementary health insurance, distinct from the birth grant from the CAF. Its amount and conditions depend directly on the plan subscribed to in the Solution 40 range. Understanding this mechanism allows for anticipating the steps and avoiding scheduling errors that delay the payment.
Waiting period and effective date of the Mercer contract: the actual starting point
Before even thinking about the forms, the first check concerns the effective date of your coverage. A membership or a change of plan that occurs shortly before delivery may not entitle you to the birth grant if a waiting period applies.
This waiting period, stated in the general conditions of the contract, varies depending on whether the supplementary insurance is taken out individually or through a collective company contract. In the latter case, the waiting period is sometimes reduced or even waived, but this is not systematic.
Consulting the benefits table of your plan remains the only reliable way to confirm that the benefit is secured by the expected date of delivery. The online member area or the Mercer app generally provides access to this document. Before taking any steps, it is relevant to request the Mercer birth grant while ensuring that the waiting period has indeed elapsed.
Amount of the Mercer birth grant according to the Solution 40 plan
The amount paid is not fixed. It depends on the level of coverage chosen within the Solution 40 range:
| Plan | Grant Amount |
|---|---|
| Solution 40 – Plan A | €150 |
| Solution 40 – Plan B | €250 |
| Solution 40 – Plan C | €500 |
The benefit is doubled in the case of multiple births (twins, triplets). This automatic increase does not require any additional steps, but the birth certificate mentioning the children must be submitted.
A point often overlooked: the grant is awarded without income conditions. Unlike the birth grant paid by the CAF, no income ceiling is involved in the calculation. The only criterion is to be a member of the corresponding plan on the date of the event.
Application process: the two steps not to be confused
Obtaining the grant generally requires completing two distinct steps, which are sometimes confused by members.
Declaration of pregnancy to the supplementary insurance
This first step involves informing Mercer of the ongoing pregnancy. It allows for anticipating the processing of the file and, in some cases, triggering the future attachment of the newborn as a dependent.
Submission of the birth certificate after delivery
After the birth, the following documents are usually required:
- The full birth certificate of the child, issued by the town hall of the place of birth
- The grant application form provided by the contract, downloadable from the member area
- A bank account statement for the payment of the amount
The attachment of the newborn as a dependent may be required, often within two months following the birth. Exceeding this deadline may complicate the subsequent coverage of the child’s care, regardless of the grant itself.
Transmission channel and proof of sending
The online client area or mobile app offers a concrete advantage: the automatic retention of a timestamped proof of sending. Sending by postal mail is still possible, but it exposes you to longer delays and the absence of immediate traceability.
Additional Mercer benefits for families with children
The birth grant is just one element of a set of family benefits integrated into the Solution 40 range. Two advantages deserve particular attention.
The free contribution starting from the third child significantly reduces the overall cost of coverage for large families. This mechanism automatically applies as soon as the third child is attached as a dependent.
Support for returning home after a stay in maternity is also part of the services offered. This type of benefit generally covers occasional home assistance or paramedical follow-up during the first days.
- Soft medicine package that may cover postpartum osteopathy or acupuncture
- Free contribution for the third child and subsequent children
- Assistance for returning home after maternity
These additional benefits are listed in the benefits table specific to each plan. Their exact availability depends on the contract, whether it is individual or collective.
Collective or individual contract: a distinction that changes the conditions
The Mercer brand encompasses contracts with varying conditions. A collective contract negotiated by the employer may provide different guarantees than supplementary health insurance taken out individually, including the amount of the birth grant or the existence of a waiting period.
Checking the type of contract you are under allows you to identify the right contact for the request. For a collective contract, the company’s human resources department often has the detailed information notice. For an individual contract, the member area on the Mes Solutions Mercer website centralizes the contractual documents.
The attachment of the newborn, the deadline for submitting documents, and the exact amount of the grant all depend on this distinction. Contacting the right service before delivery helps avoid unnecessary back-and-forth after the birth, at a time when available time is scarce.
