In order to effectively face certain health expenses, taking out additional health insurance is sometimes necessary. Corresponding to a level of cover above the traditional mutual health insurance, this insurance product can indeed prove to be protective for various profiles. But how does it work? Is it really useful to subscribe to it? How to make the right choices ? Our experts answer your various questions and share their advice with you in this article.
What is supplemental health?
Also called supplementary health insurance, supplementary health insurance can be defined as insurance which guarantees the reimbursement of health expenses after those covered successively by the compulsory scheme (Social Security) and mutual insurance (supplementary scheme). It therefore intervenes at third level in order to supplement the guarantees provided by a traditional mutual insurance company.
Supplementary health: Who is it for ?
When it comes to health, we are never too covered, we say. However, as for a complementary health insurance, thesubscription to a supplementary health insurance scheme is optional. In addition, given the specific health costs generally covered by this type of contract, it is not really “useful” for everyone.
As a general rule, the supplementary insurance contracts offered by Future Mutual are aimed at people who face relatively high regular medical expenses for certain items that are not taken into account by traditional mutuals. But it may also be wise to take out supplemental health insurance for a given period in order to maximize its protection within the framework of specific care.
As we said above, the surmutuelle intervenes at the third level of reimbursement of health costs. To put it simply, when you spend on health care, you get:
A first reimbursement from Social Security;
A second reimbursement by your mutual (individual or collective);
A reimbursement of the remaining costs by your supplementary health insurance.
With such coverage, your medical expenses are usually reimbursed in their entirety. You don’t have as well no remaining charge.
What costs are covered by an additional health supplement?
Most mutual health insurance contracts only very partially cover certain health posts. These are the ones that are often put forward in the health supplement contracts. These include expenses for:
Orthodontics and dental prostheses;
Some insurance companies also offer an additional health insurance covering hospital costs. These can indeed be very expensive for people forced to frequent hospital stays.
How much does an additional health supplement cost?
As you can probably imagine, the price of the monthly contribution to benefit from an additional supplement varies according to several criteria:
The profile of the insured : as with any health insurance contract, the profile and level of risks are taken into account in the calculation of the premium;
The health posts concerneds by the contract: as explained above, the supplement is a contract that can be tailored to specifically meet the additional coverage needs of the insured;
The insurer : each company is free to set its prices.
However, it is important to keep in mind that this additional coverage is not not necessarily very expensive. Depending on the refunds offered, this can start as soon as ten euros for a basic formula. The price can then go up to around fifty euros per month, for a complete package including dental care, optical care, consultations and hospitalization costs.
In order to subscribe to a supplement offering you the better reimbursement / contribution ratio, the ideal is to proceed as follows:
Assess your real needs
Before starting any research, it is essential to take stock of your health benefits. To do this, determine your medical expenses which are not taken into account at all, or not enough, by the Health Insurance and by your mutual. Then assess, based on your habits and your specific needs, whether subscribing to an additional supplement is really useful. If the expenses concerned are only very occasional, a new cover may indeed be superfluous.
Request a quote
After this small diagnosis, if you judge that an additional supplement is necessary, a comparison of the offers is essential. As with any other insurance contract, it is indeed important to compare the prices and the services offered in order to find the most advantageous contract.
To do this, request a quote from the insurer of your choice, providing with precision, the information concerning your profile and specific expectations. Clearly mention the desired guarantees, the franchise, the waiting period or the number of people you want to cover. You will normally get a response after a few hours, with the different formulas and the reimbursement levels offered.
If you have any doubts, don’t hesitate to ask for more clarification before committing.