How to choose your mutual insurance? The range is often vast and prices vary from simple to double. However, it is not worth spending too much money if you do not have special needs. There are a few criteria for an informed choice of a complementary health plan.
Choosing your own mutual insurance: being well protected without spending too much
Five main criteria allow you to choose the best mutual insurance. While the first step is generally equivalent to the reimbursement of primary care, the most comprehensive plans include full reimbursement of expensive care, particularly optical and dental care.
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Complementary health: what needs?
The first criterion is to define a “user profile” that you can use to assess your needs. In fact, the more you might need your mutual insurance, the level of protection should be higher. This depends on your age, but also on your needs for glasses and the frequency of your dental care.
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Mutuals can also cover excess fees and certain treatments not covered by social security: osteopathy, alternative medications… If you are used to providing a remedy, this may be the opportunity to subscribe to a mutual treatment that will reimburse these treatments.
This user profile also takes into account your medical history and your current medical condition. Their family situation should also be assessed: if the mutual coverage includes beneficiaries, spouses, or children, it is important to include them.
Criterion #2: reimbursement rate
Once you have your needs, you will evaluate the reimbursement rate for each plan for complementary health. Be careful with the wording: some mutuals state the reimbursement rates as a percentage (100%, 200%…), while others indicate a fixed rate in euros.
If you do not want to examine all the rates, the amount of reimbursement for hospital expenses generally gives a good overview of what the care plan covers.
Criterion 3: Reimbursement period
If some common companies use third-party payment (without advance), others will reimburse your care within a few days to a month. If your budget remains a bit limited, it is better to subscribe to an investment fund that offers quick reimbursement periods. However, they are still subject to the reimbursement timelines of Health Insurance, which are rather random.
Criterion 4: Waiting time
This corresponds to a period during which the mutual company does not cover certain due diligence obligations specified in the initial contract. This can be a minimum period from the subscription to the mutual community (from one to six months) or certain life periods, such as pregnancy or maternity. So keep an eye on this waiting period for your contract.
Criterion 5: The price of mutual insurance
The price is determined based on all these criteria, as well as the offer provided. The average price of mutual insurance can range from 350 euros to over 1,200 euros per year. While nearly a quarter of customers choose an economical plan, others must opt for more expensive and costly plans. To get the best prices according to your needs, you can use an online comparator. It’s up to you to choose your investment fund based on what suits your health… and your wallet!
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