What is the use of a mutual health insurance?
Since social security only reimburses a part of the totality of the various expenses related to the costs of care and health, it is imperatively advisable to subscribe to a mutual health insurance to benefit from a good support.
Currently, many insurance brands such as provident institutes, insurance companies, as well as mutual societies offer a myriad of mutual health insurance. You can then choose the formula that will suit your convenience and meet your needs.
To make it easier for you in your search for mutual health insurance between these brands, you can turn to a mutual health insurance comparator. There are many, that of the site agissonspourlegalite.fr is very practical.
In principle, hospitalization, specific care for the elderly, maternity, dental and optical care, excess fees and other specific care which requires coverage by a mutual health insurance.
What are the important criteria to compare?
There are different criteria that should not be overlooked in order to make the right choice of mutual health insurance. For that you need :
- Determine your actual health needs and exactly what you want to cover.
- Then examine the various guarantees offered by insisting on the reimbursement methods and the reimbursement levels of your needs (dental, optical, etc.).
- Conduct a study of so-called secondary guarantees, more precisely what covers, for example, alternative medicine and the hospitalization comfort package, if it exists.
- Examine the contribution rate, because it is also one of the criteria for choosing the right mutual health insurance. However, it should be taken into account that the quality of a mutual health insurance fund does not depend on the rate applied.
- When you have made the choice of the mutual that best meets your expectations, it will then be necessary to evaluate its effectiveness according to the total amount of your health expenses, the distribution of these expenses, the amount of your annual expenditure concerning the various care the most. regular.
- Then choose a formula that suits your situation: single, children, couple, etc.
- Make a study of the various services included in the contract, such as an assistance service (household help, childcare, etc.) or medical legal protection. The latter will certainly be of useful help.
- Finally, you must also choose your mutual health insurance according to your profession, while taking into account that each profession always presents risks.
Note that the contract prices may depend on the age, professional status, as well as the social security plan of the insured.
From now on, you have in hand information on the important criteria for choosing a mutual health insurance. All you have to do is make the right choice.
