How to choose an individual complementary health insurance?

mutual health gieps

If families have a specific product called family mutual insurance, single people are also entitled to additional individual health insurance in addition to the compulsory scheme, even if they are self-employed (these benefit from the provisions of the Madelin law. in health insurance). Note that the TNS mutual insurance company is studied on a case-by-case basis. However, given the abundance of offers in this area, it is not always easy to find the best mutual. Here are the steps to follow to find the right supplemental health plan and benefit from optimal reimbursement of costs.

Define your needs to find the best mutual

health insuranceThe first thing to do in choosing an individual health mutual is to take stock of your coverage needs.If you have no eyewear problem, it is not necessary to take out an optical mutual.If you are elderly or have chronic illnesses, it is advisable to join a senior mutual or a company that fully reimburses hospital costs.The principle is the same for hearing aids, orthodontics (dental care, dental prostheses, dental implants, etc.), spa treatment sessions, various accidents of life… It is essential to precisely determine your profile in order to subsequently be able to define the type of health cover you need and find an adequate mutual.

Look for the best quality / price ratio

To find out which mutual is right for you, you can use an insurance broker to compare mutuals or go through a comparator of health mutuals on the Net in order to discover the best offers concerning your health expenses through online quotes (quotes personalized free and without obligation). In a matter of minutes, you will have a shortlist of inexpensive mutuals. This allows you to compare mutuals, to make your estimate and to know the details of the social security reimbursement without moving from your chair to be able to subscribe to a mutual that meets your needs.

Compare guarantees

From this list, you will be able to compare the mutual reimbursements offered by each complementary mutual. You must inform yourself about the health guarantees offered by complementary insurance and those that are excluded. To choose the right mutual, it is also advisable to look at the limits of this compensation, such as the restriction of medical costs, the number of consultations or the drug package.
The reimbursement rate is also an essential element in the selection of a good mutual. This must complete the co-payment. In addition, we must not neglect to see in detail the waiting period, which is defined as the period during which certain acts, medical materials or pathologies will not be covered by the insurance company.

Other criteria to check

The advantages of payment such as third-party payment as well as a fast repayment period are assets of good insurance to be preferred. The mutual gieps, it presents additional services that will make your life easier. This is educational support in a hospital environment, household help in the event of immobilization or hospitalization, dental mutual insurance, etc. All of good mutual health.
Finally, if a mutual company (collective contract) offers the payment of certain costs, this is a good point for it: hospital package, medical franchise in pharmacy or even multi-risk. On the other hand, be aware that the health questionnaires will considerably increase the cost of your individual complementary health insurance. It would therefore be wise to opt for a contract that does not require this procedure.
Note that, if you are not satisfied despite an additional supplement, you can change health insurance if you have found better health insurance elsewhere. Mutual termination is done by just sending a termination letter, according to the mutuality code, whether it is a compulsory mutual, a family mutual or other.