In a context of budgetary rigor, the Health Insurance benefits are reduced each year a little more. For example, on average 55% of city care (out-of-hospital care) is reimbursed. It is therefore essential to have health insurance to be reimbursed for the supplement. This is the role that complementary health care plays in reimbursing expenses that the general plan does not reimburse or no longer reimburse.
The Choices
But faced with these massive reimbursements, contributions explode and around 5% of French people have given up mutual insurance. Are we witnessing the emergence of two-speed medicine? Is having complementary health care now a privilege? Is it possible to insure yourself without breaking the bank? Which complementary health and which formula should you choose? What criteria should we use? The online platform guides you through this maze of questions. A visit to https://www.iselect.com.au/health-insurance/ambulance-cover makes things perfect.
In the Internet age, it has also become easy to check the reputation and customer service of an insurer. Consumer review 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 health insurance.
Pay 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 are not – or not very – taken in charge by the Safely. Complementary health offer reimbursement (see: A mutual that reimburses well, how much does it cost? ).
Pay attention to the repayment period and waiting period
Given the large amount of certain health costs, it is recommended to opt for an insurer offering prompt reimbursements. We advise you to choose a contract offering a reimbursement period of 48 hours maximum.
Some mutuals 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 plan to change mutual for a specific need, check this point 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. Be aware that depending on your state of health, your insurance premium may be increased significantly if you are recognized as “at risk”.
Evolve your contract according to your needs
Purchasing additional health insurance does not freeze your needs forever. You have every right to reduce or increase the guarantees of your contract, when you feel the need. If this is the case, do not hesitate to let the competition play in order to reduce your annual premium.
The reputation of the insurer is not always synonymous with a better price
It is not necessarily the best known insurance companies or mutuals that offer the best value for money / service. Some lesser-known insurers may offer contracts with similar guarantees, with an average saving of 30%. Make the competition play and do not attach more importance than necessary to the reputation of the insurer.
