Welcome to European Tribune. It's gone a bit quiet around here these days, but it's still going.
It is, it mean the top-up is included, not your question is indiscreet :)
What I would favour is a more re-distribution oriented health contribution system, were the contribution need would be based on  a 100% refund for those who cannot afford a top-up mutuelle, and 0 refund for those who contribute to a top-up scheme altogether. I am sure we would end up with a lower blended contribution rate.

What is specific to the French banking system is that the top-up mutuelle is optional (which is good)in some of the banks, while in others joining the in-house top up scheme is a CP of your employment, irrespective of the salary you earn.

When through hell, just keep going. W. Churchill
by Agnes a Paris on Mon Mar 27th, 2006 at 10:27:15 AM EST
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