Choose the right healthcare tips now to ensure the perfect results now. Get all the solutions at the palm of your hands readily.
A recent study indicated that the average price of a “classic” mutual health insurance reached 1123.20 dollars per year for a family made up of 2 adults and 2 children, and 2600 dollars per year for a 60-year-old couple who have opted for a contract at reinforced guarantees. The subscription of complementary health insurance thus becomes essential to take care of your health budget, especially as the list of less well-reimbursed health acts grows each year. So here are the health care tips to follow.
Evaluate Your Current Health Coverage
94% of people have mutual health insurance, taken out individually or through a collective contract via the employer. We advise you to carefully look at the guarantees and reimbursements provided in your current contract. If these elements do not suit you, do not hesitate to change the contract.
Define Your Health Spending Needs
Each insured person is unequal when it comes to health expenses. Depending on the age and state of health of the people covered by your contract, the needs can be extremely disparate. Glasses, dental problems, consultations with a specialist are all costs that require you to choose cover suited to your situation. Conversely, there is no point in opting for a contract with enhanced coverage if your situation does not justify it. The price of mutual health insurance can indeed vary from simple to triple depending on the guarantees subscribed.
Use a Mutual Health Insurance Comparator to Find the Contract That’s Right for You
A mutual comparator will allow you to define your needs in detail and thus offer you the market contracts that suit you, in less than two minutes. Independent from insurance companies, the insurance comparator is directly connected with more than 50 partner insurers, in order to offer you the mutually best suited to your expectations and your budget.
Evaluate the Guarantees and Services Offered In the Contract
Each mutual or insurance company offers specific services and guarantees within its contracts. This may, for example, be assistance in the event of hospitalization (housekeeper, childcare, taking charge of a private room, etc.), the availability of generalized third-party payment, or even the vaccine coverage.
Opt For Contracts That Play With Transparency On Repayments
Supplementary health contracts can present reimbursements in different forms. They can thus be expressed in percentages, in dollars, or even as an annual flat rate. Not easy to navigate unless you are an expert. We advise you to carry out a reimbursement simulation if the example provided does not satisfy you. A mutual comparator also makes it possible to compare the reimbursements of several contracts in detail.
Dental care (implants and prostheses, orthodontics, etc.) and optical care (glasses, lenses) are particularly poorly reimbursed by Social Security. The same goes for hospitalization, which can represent a very significant advance in costs for the patient. Do not overlook these points when comparing contracts.
Pay Your Attention to Care Not Covered By Social Security
Certain medical care such as alternative medicine, vaccines, smoking cessation, osteopathy, or even the consultation of a dietitian is not or little covered by Social Security. Complementary health insurance offers reimbursement.
Pay Attention to the Repayment Period and Waiting Period
Given a large amount of certain health costs, it is recommended to opt for an insurer offering rapid reimbursements. We advise you to choose a contract offering a reimbursement period of 48 hours maximum.
Some mutual provide for a waiting period of several months. The waiting period corresponds to a period during which the guarantees provided for in the contract do not apply, particularly for dental or optical reimbursements. If you are considering changing you’re mutual for a specific need, check this point carefully before taking the plunge.
Avoid Contracts That Require a Medical Questionnaire
Some insurers require a medical questionnaire in order to offer you a personalized rate. Note that depending on your state of health, your insurance premium may be significantly increased if you are recognized as “at-risk”.
Develop Your Contract According To Your Needs
Subscribing to complementary health insurance does not freeze your needs forever. You have every right to reduce or increase the guarantees in your contract when you feel the need to do so. If this is the case, do not hesitate to play the competition in order to reduce your annual premium.
The Insurer’s Reputation Does Not Always Mean A Better Price
It is not necessarily the most famous insurance companies or mutual that offers the best quality or price or service ratio. Some lesser-known insurers may offer contracts with similar guarantees, with an average saving of 30%. Play the competition and do not give more importance than necessary to the notoriety of the insurer.
Conclusion
In the internet age, it has also become easy to verify the reputation and customer service of an insurer. Consumer opinion sites abound on the web, and there is no doubt that policyholders have already assessed the insurer with which you plan to take out your new complementary health insurance.
