What solutions are there if the mutual insurance company does not meet your needs?
Health insurance is a supplementary coverage that allows you to reduce your remaining costs following a medical consultation, hospitalization and various treatments. In concrete terms, it is added to the reimbursements of Social Security on the expenditure items provided for in the contract. However, it sometimes happens that the latter does not meet the intended use. In this case, several solutions are available to you if you consider your supplementary health insurance to be useless or insufficient. It is also preferable to compare mutuals to find the offer that meets your needs.
Change your health insurance
In the event of unsatisfactory health insurance, many opt for a radical solution by changing companies. The law of July 14, 2019 supports you in this direction, knowing that it gives you the possibility of canceling your contract at any time after the first year. The idea is to allow you to subscribe to a complementary health insurance with a better quality-price ratio and adapted to your situation. To do this, you simply need to send your cancellation request by e-mail or by registered letter. The contract will end one month after notification from you.
Please note that a waiting period may apply following the subscription of a new contract. In other words, the guarantees are only effective after a certain period of time defined by the mutual insurance company.
Change the warranty level
The other solution to deal with unsatisfactory health insurance is to review the guarantees. Indeed, it happens that the chosen contract does not correspond to your health needs, which means that you are not reimbursed as you should be. For example, the minimum care basket offers limited coverage. It only reimburses you for the co-payment for doctor consultations and covers the 100% health basket for optical, hearing and dental costs. You will therefore need to take out additional guarantees to benefit from better support.
Also note that health insurance is subject to certain exclusions of guarantee. These relate to injuries and illnesses resulting from voluntary intent, such as the consequences of a fight, drunk driving, etc.
How to find health insurance that suits you?
Finding a truly interesting health insurance plan involves several steps, namely:
1. Take stock of your health coverage needs
It should be noted that the necessary guarantees depend on several factors such as:
● Your age;
● Your family situation, i.e. whether you plan to cover a spouse or your children;
● Your care habits (periodic appointments with the optician, specific treatment for a given illness, practice of alternative medicine, etc.).
The idea would therefore be to take stock of your health requirements and find out about contracts that provide corresponding coverage. For example, make sure you have a good level of reimbursement on optical and hearing costs if you want to access equipment outside the 100% health basket.
2. Compare health insurance plans
It is recommended to choose your health insurance before canceling your current contract. To do this, use health insurance comparators such as lesfurets.com. This type of platform gives you an overview of the guarantees offered by the different companies for a given contribution. Most often, comparing offers is a way to reduce the cost of the mutual insurance, with a good level of coverage. Indeed, this approach can save you up to €285 per year.
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Source: www.topsante.com
