To cover unexpected medical expenses, it is sometimes necessary to purchase an additional health insurance plan. To find the proper contract for your needs, consider these few criteria.
Understand What a Health Insurance Plan Is
A mutual health insurance or complementary health insurance is a contract that provides you with additional coverage. As you should know, the basic guarantees of your insurance contract do not usually cover all your medical expenses, especially if you are subject to special treatments.
Therefore, a mutual insurance company will allow you to reduce the amount of your remaining expenses (the amount you have to pay). In the case of employees, subscribing to a company health insurance plan is mandatory. In this case, the coverage extends to your whole family (spouse and children).
In general, the mutual health insurance can cover your medical expenses, including
– medical consultations and the purchase of medication
– hospitalization expenses
– optical care
– expenses related to the practice of alternative medicine such as osteopathy
– dental care expenses
Evaluate Your Medical Needs
To subscribe to mutual health insurance, you must first know your actual needs, knowing that the contract that suits one person is not necessarily suitable for another. As you should know, additional coverage usually means higher rates. Therefore, it is in your best interest to get rid of benefits that do not apply to you. The objective is to maximize reimbursements to cover your actual needs. You should know that, in general, specialist fees are the highest, especially for dental care, eye care, and special treatments.
However, your situation may change, so be sure to review your policy periodically and adjust it as needed.
Consider the Benefit Levels That Suit Your Needs
The level of coverage expresses the level of reimbursement offered by the mutual insurance company, expressed as a percentage.
– The Basic Contract
The basic contract or co-payment is a contract that proposes a reimbursement of 100% of the conventional rate. If your doctor applies the conventional rate, the consultation fee will be between 20 and 25 €, which will be reimbursed at 70% by your health insurance. Otherwise, if your doctor applies his own rates, you will need a mutual insurance company to cover some expenses. For a basic contract, your mutual insurance company will pay between 20 and 25 €, which is equivalent to 100% of the conventional rate.
– The Intermediate Contract
This type of contract allows you to benefit from a reimbursement of between 150 and 250% of the conventional rate, knowing that the calculation principle is the same as before. This will allow you to reduce your hospital fees, dental and gynecological charges, pharmacy expenses, etc.
– The Top of the Range Contract
The top-of-the-range contract offers a reimbursement of up to 800%, advantageous for essential expenses. In general, it is suitable for the elderly, who have many health needs.
The best way to find the right health insurance for your needs is to compare offers. To do this, go to insurance comparison sites, which offer several simulations. Note that the price is not the only criterion to consider and that you must also consider the services. Indeed, it is crucial to look for a company that offers a fast reimbursement time within 48 hours.
Like all other types of insurance, you should be aware that there is a principle of exclusion of coverage. This means that expenses related to attempted suicide, surgery not resulting from an accident, etc., are entirely your responsibility.