What are the advantages of a complementary health insurance and how to make the right choice?

Health is priceless! In reality, yes! And all you have to do is take a look at his hospitalization, consultation and medicine bills to realize that. And although part of these costs are covered by Social Security, this is often the following. Faced with this, taking out a complementary insurance is the most appropriate solution.

But you still have to make the right choices to actually benefit from the advantages of this type of insurance contract. Indeed, with the multitude of insurers and contracts offered in this area, seeing clearly is not always easy. Here is a brief recap of the important elements to keep in mind when it comes to complementary health insurance.

Subscribe to complementary health insurance for optimal coverage

In France, health-related expenses are among those that weigh the most on family budgets. Despite the support offered by Social Security, it is indeed often necessary to pay large sums to ensure his health and that of his family.

Choosing a complementary health insurance can lighten this burden and benefit, at the same time, from several other advantages.

A significant additional reimbursement

As a general rule, Social Security is responsible for reimbursing part of your health costs: 70% for care with a general practitioner and specialists; 80% for hospitalization costs. If this coverage is often life-saving, it is unfortunately, in many cases, insufficient.

Indeed, in many cases, the remainder to be paid, which is called the  » user fees is relatively high.

Subscribing to mutual health insurance also allows you to be reimbursed for all, or a large part, of this co-payment. Thus, in accordance with the formula taken out, if the fees are not exceeded, the insured only has to pay a fixed contribution1 euro for the balance of consultations.

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Coverage of non-contracted care

Reimbursement by Social Security concerns many medical procedures, services and products; but not all. Indeed, theoptical and orthodontic care consultations and alternative medicine treatments or consultations with a psychologist are not covered by Social Security because of their often too expensive nature. .

To respond effectively to these needs, the complementary health contracts offered today offer partial reimbursements, and even total reimbursements depending on the formula, for these treatments and acts known as not under agreement.

Various additional services

Most mutuals also offer, in some of their formulas, support services specific to their policyholders in a situation of incapacity or reduced mobility. Various prevention servicesare also among the most complete packages.

Access to third-party payment

Reimbursement of health care costs after paying them is good. Not having to spend these funds before receiving care is even better. It is the principle of third-party payment, a particularly advantageous option which is todayoffered in almost all complementary health contractsbut which, within the framework of Social Security, is reserved only for a few exceptional cases.

Complementary Health DoctorsComplementary Health Doctors

What criteria should be taken into account when choosing your complementary health insurance?

In order to benefit from these various advantages, it is important to choose the right complementary health insurance. This involves sorting through the offers of many insurers in order to select the one that best meets your needs. For this, here are the main criteria to take into account.

Reimbursement rate and coverage offered

The choice of the right health mutual must be made taking into account your current and future personal health needs. Those of your spouse and your children are also to be taken into account if applicable.

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Ideally, go for the formula that offers the highest possible reimbursement rate for the acts and care you need the most. To do this, take into account both the conditions offered for routine care and for non-contracted care and procedures that concern you.

Keep in mind that duseless warranties are a waste of money. Indeed, the final price of complementary health depends essentially on the guarantees taken out.

Reimbursement deadlines

Before subscribing to complementary health insurance, find out about the deadlines for reimbursement of costs incurred in cases where you do not benefit from third-party payment. Indeed, although these deadlines are normally rather short, some insurers take longer than others. This can be annoying, especially when the costs incurred are high.

In order to obtain concrete information on this point, ask your insurer, but also consult the opinions and comments of other policyholders on online forums.

Waiting periods

The enjoyment of all the advantages offered by subscription to complementary health insurance does not start automatically when the contract is signed. For various reasons, there is a delay between the signing of the contract and the actual payment of health costs.

This delay called waiting period » varies from one insurer to another. The shorter the waiting period, the faster the insured can truly enjoy the prerogatives granted by subscription to the mutual health insurance.

To conclude, keep in mind that like any other insurance contract, vYour complementary health insurance must above all correspond as much as possible to your specific needs.. So take the time tocompare quoteson the basis of these different criteria so as not to ruin yourself in an overly expensive insurance policy.

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Read also: How to change GP?

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