Health costs represent a real budget when you reach retirement age. To best prepare for this stage of your life, it is better to take out complementary health insurance. Our advice for choosing the right senior mutual insurance company.
Mutual health : possible options for planning for retirement
In terms of health, the needs are more and more numerous with age and the question of mutual insurance arises when the time of retirement approaches. Two options are available to you when you decide to find complementary health insurance: the individual contract and the collective contract.
Subscribe to an individual contract
Subscribing yourself to an individual contract in anticipation of retirement is an option available to you to continue to be reimbursed for your care-related expenses. Individual health insurance continues to cover you, even after you retire. The guarantees and contributions also remain the same. Turn to a competing brand or take out complementary health insurance with the organization that manages the collective contract of your current company in order to benefit from a price reduction.
Keep the collective mutual insurance of your company
If you have taken out collective mutual insurance within your company, you can choose to keep this cover. All you have to do is make a request to the insurer via a registered letter within six months of the end of your employment contract. Note that the beneficiaries will no longer be covered by this contract and the guarantees provided cannot change once you retire. You can also review your level of protection due to your senior status.
Senior: our advice for choosing your complementary health insurance
Making an inventory of the offers available on the market and your needs is a good idea to choose the complementary health insurance that suits you. Also pay particular attention to the guarantees offered.
Analyze your current situation and focus on the essentials
While still an employee, if you have compulsory health insurance that you can keep. However, be sure to check that the guarantees suit you since you cannot change them. Note also that the cost of this mutual will increase, because the employer’s share of the contribution will no longer be borne by the company. To benefit from the services as well as the really useful guarantees, make a comparison with an individual contract dedicated to seniors. Pay attention to health costs that are poorly or poorly reimbursed by health insurance and also look at the coverage of specific expenses (alternative medicine, spa treatments, etc.).
Prefer certain guarantees
Pay attention to the guarantees that we would qualify as essential when you compare retirement health mutuals. They include reimbursements for routine care, hospitalization costs as well as dental, hearing and optical costs. Know that you can also enhance your contract withother guarantees to cover health expenses that have not been included in your budget. These may include reimbursement for alternative medicine or discounts thanks to your loyalty.
Read also: 10 tips to prepare for retirement at 40-45
