Health Insurance Program

Engaging with an insurer is an important act, not to take lightly. But despite this, we must keep in mind that your contract is concluded for a period of one year, renewable automatically, ie without any formalities necessary for that.

You will have the opportunity each year to opt-out if you’re not satisfied, provided you follow a strict procedure. Some changes in circumstances during the year also entitle you to terminate early, without waiting for the fateful date of maturity. But balance requires, your insurer may also interrupt the contract!

At maturity, like you, it will be tempted to do if you earn claims. But that’s not all! In certain very specific and very serious, your insurer does not even wait for the deadline. Then fill in you not find yourself in a difficult position because after a termination by your insurer, you will hardly find another company willing to insure you.

Tip: Be careful not to remain without insurance after termination. Do not wait until the last moment to put you in search of a new insurer.

Choosing a life insurance policy is an act more and more common, since it is a financial product used extensively by the French. But what criteria should we choose to build a life insurance policy that will actually be profitable in the long term?

Choosing a life insurance policy can combine the advantages of savings included in the term, and ensure financial security to loved ones or yourself in case of death or injury. To choose a life insurance interesting in any of these cases, it must be special attention to certain points of the contract.

When choosing a life insurance policy, it must determine the particular type of investment that will be applied to capital made a withdrawal and then by monthly contributions. Under the apparent multiplicity of possible investments, there are really only two major modes of management. The euro fund represent a safe investment: capital is guaranteed, and interest earned are acquired. The performance of funds in euros, however, is quite low. Equity investments relate more, but they also have much more risk. Choosing a life insurance policy equivalent mostly to make a mixture of both types of investment: the more conservative will opt for programs with 80% investment in euro, while the more adventurous may prefer a mix with only 40% in euros and 60% equities.

When choosing a life insurance policy must also consider the amount of fees charged for managing the contract. In practice, this parameter makes the difference, since they are withheld from the interest earnings. Choosing life insurance and high yield can be less profitable than take out a policy with less ambitious but management fees minimal.

Whether your visit takes place in a clinic or hospital, you will need certain documents. Your registration will allow you to declare your hospital your Health Insurance Fund and, if necessary, to your employer.

What kind of stay in hospital?

There are different types of hospital stay including:
The full-time hospitalization (or full-time) is the hospitalization during which you are staying in the hospital and physically installed in a bed. You spend at least one night in hospital.
If you are hospitalized from Monday to Friday, you get a week hospitalization.

The hospital is a part-time alternative to traditional hospitalization.
The structures of hospital part time, day or night, can provide all hospital services on a single day, or in sequence, one or more days of the week. It can be exams, medical surveillance (Psychiatry), rehabilitation, dialysis, etc.. If surgery is performed during this hospitalization, we talk about ambulatory surgery.

The hospitalization overnight host and treat patients whose condition requires a hospital night. They relate mainly to psychiatric services.

The day hospital or outpatient surgery

In day hospital or outpatient surgery, your admission, your treatment and output are the same day. This mode lets you care to return home the same day of treatment and saves you one or more nights in hospital.

The aim of the day hospital is to provide medical care concentrated in pathologies, without a warrant full hospitalization, require care or tests that can be performed on an outpatient basis (investigation for the diagnosis of disease, monitoring budgets and surgical care surgery, medical care).
Hospital at home (H.A.D.)

Hospital at home (HAD) may be an alternative to prolonged hospitalization. It ensures, at home, all medical and paramedical prescribed by your doctor. You can be admitted H.A.D. on prescription: a consultation after hospital following a hospitalization or proposal from your doctor after doctor’s approval Coordinator HAD admission is made on the basis of a treatment plan, that is ie a program of care and individualized support, with the concurrence of the medical coordinator of the HAD.

The nurse coordination HAD, in addition to its role of para medical care organization, evaluate the feasibility of your return home, she is assisted by the Social Work HAD.

The medical coordinator plays a central role in HAD.  Indeed, it is he who maintains contacts with doctors and hospital bedside Liberals and organizes the coordination of care. To him you can contact for any special requests concerning the structure of HAD.

Your physician supervise the care provided by the multidisciplinary team of HAD. The methods of care are identical to those of public hospitals and subject to the same administrative and financial conditions.

Service H.A.D. ensures – 7 days on 7 and 24 hours on 24 – the continuity of care, equivalent to those provided in a hospital.

Your pregnancy may be followed, the medical by a doctor or a midwife (in private, hospital or Maternal and Child Health).

Whether or not personally follow your pregnancy, your doctor is there to ensure you get the best possible monitoring. It will, given your personal situation and advice you, inform you, accompany you.

The midwife can provide, independently, monitor your pregnancy if it poses no unique risks, your delivery, and monitor your child after birth. Under the coordination of care with the physician, the midwife informs with your agreement, the evolution of your health. This information will be useful to your doctor for follow-up after childbirth.

Depending on your needs, for medical, psychological or social, your doctor or midwife can refer you to other professionals: medical specialist, nurse, pediatric nurse, dietitian, psychologist, social worker, technician, social intervention and family.

Monitoring your pregnancy during the first months

To ensure the smooth running of your pregnancy and prepare for better delivery, you receive guidance and medicalized monitored throughout your pregnancy with seven physician visits before the birth and further systematic reviews.

From 1st to 5th month, your medical expenses are reimbursed at the usual rates. Only your compulsory medical examinations (follow-up consultations, preparatory meetings at birth) are supported 100% within the basic rates of health insurance. For these tests, you are exempt from the flat fee of 1 euro and the medical deductible on drugs, paramedical acts and transports.

Begin with follow-up consultation with your doctor or midwife care to 100%. This consultation must take place before the end of the third month of pregnancy. It was during this review that the health professional will give you the document “First prenatal checkup” that will be used to declare your pregnancy, and a brochure containing the main addresses you might need during your pregnancy (Health Insurance Fund, credit union family allowance, PMI, etc..).

The health professional then prescribes:

* A first scan support 70%. An ultrasound is scheduled quarterly to monitor the growth and health of your child.
* First Blood tests taken over 100% (blood, screening for rubella, toxoplasmosis, hepatitis B, etc..).

It may also offer you depending on your situation:

* Pap smear screening for cervical cancer of the uterus. This smear is assumed at 70%.
* A fetal karyotype and amniocentesis for the detection of some genetic diseases, supported 100%, subject to the fetal karyotype, the prior approval of the medical service of your Health Insurance Fund.

4th month

* Second follow-up consultation with your doctor or midwife;
* First session birth preparation and parenting: you can get a couple or individual interview with a midwife or doctor. It’s a time for exchanges and listening. He can answer your questions and give you personal advice.
The following 7 sessions can be individual but collective often to promote exchanges between mothers (maximum 6 people).
The 8 sessions of preparation for childbirth are supported 100% within the basic rates of health insurance.

5th month

* Third follow-up consultation;
* Second ultrasound support at 70%.

6th month

* Fourth follow-up consultation.

From the first day of your sixth month of pregnancy, all your medical expenses refunded (pharmaceutical, analytical, laboratory tests, hospitalization) are covered at 100%, within the limits of its base rates Health Insurance.
You are also exempt from the flat fee of 1 euro and the medical deductible on drugs, paramedical acts and transports.

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Are you pregnant? Remember to declare your pregnancy to your Health Insurance Fund in the first three months. This first step will allow the Health Insurance to better help you and support you throughout your pregnancy.

The declaration of pregnancy

Once your pregnancy is confirmed, you make a first examination by your GP, a gynecologist or midwife. During the exam, you will take stock of your health. Remember to report your allergies, personal and family history, current treatments, etc..

During this consultation, your doctor or midwife tells you the expected date of early pregnancy and you are prescribed additional tests for:

* Determine your blood type;
* Search for certain diseases with risk (rubella, toxoplasmosis, etc..).

This consultation is also an opportunity to talk with your doctor or midwife. You can express your expectations, your needs for your project from birth, ask questions, etc. You also make the point on your lifestyle and the potential risks associated with pregnancy (alcohol, tobacco, food, sport …).
How to declare your pregnancy?

Following this examination, your doctor gives you a three-part document entitled  First prenatal checkup. You must send:

* The pink slip to your Health Insurance Fund with the leaves of care consistent with medical and laboratory examinations that you have spent to obtain support for monitoring pregnancy and childbirth.
* Two blue sheets to your family benefit fund (CIF).

Warning, you must send this document before the end of your 3rd month of pregnancy. The sooner your pregnancy is declared and faster your care will be covered 100% under the maternity insurance.

A personalized support for your pregnancy

* A personalized calendar for your examinations and your rights: it tells you the dates of your major medical examinations, the period of ownership to 100% of your care and the dates of your maternity leave;
* A first practical guide to answer your questions about your rights, approaches, the choice of motherhood. You’ll also find healthy tips for pregnancy in great shape.
* A checklist to help you prepare for the next consultation with the doctor or midwife after your pregnancy.

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Take stock of your real needs in terms of health insurance.

It should be adapting to its safeguards budget, his family and his medical consumption. Doctors usually consulted they practice free of fees? If there is no need to sign a contract paying overruns.

Check your current coverage.

Most employers offer their employees the “mutual”. Further, they take part in their care. Study the safeguards in detail to clearly identify the benefits and limitations of your medical insurance company. If your health insurance company is not good enough, but mandatory, do not hesitate to purchase health surcomplementaire. If proposed by the mutual company is not required, you can subscribe to the complementary of your choice.

Compare products from various health insurers.

The offer of health insurance products is so high, so it is difficult to navigate. To guarantee comparable levels, rates can vary up to threefold, hence the interest to compare and play competition. No insurance is the best in the market. Make sure it applies to your particular case.

Ask advice from a specialist.

For a product that also involving health insurance, it is advisable to contact specialists. General agent, broker or dealer compare traditional online intermediaries can help you benefit from their expertise and support you in your approach to insurance. They provide you with information, for example, on whether to purchase a warranty spa.

Beware of health questionnaires.

Some insurance companies and mutuals do not want to provide so-called high risk. Under these conditions, they impose their health questionnaires in order to justify a rate increase and the consequent removal of a security. Fortunately, in recent years, health questionnaires tend to disappear. Also, you should focus on insurers who do not use more.

Emphasize contracts that clearly state reimbursements obtained.

Do not be fooled by the percentages shown! The terms “100% co-payment”, “100% Tariff Convention” and “30% Tariff Convention, excluding Social Security” are in fact the same provision for the reimbursement of consulting a GP. In any event, reimbursement for actual expenses can avoid unpleasant surprises, firstly, the false promises and marketing, on the other.

Negotiate waiting periods.

The waiting period means the period, counted from the subscription varies contracts, during which certain benefits are not supported by the insurance company. Enjoy your change of insurer to negotiate (or eliminate) the waiting period.

Pay special attention to safeguards on optics, dental and hospitalization.

Repayments of Social Security are relatively low for optical care, dental and the daily charge. They alone can justify the use of complementary health. It may be wise to take a high coverage (a phrase “comfort”) if you have any dental problems or if you plan eventually to let you operate laser cons myopia.

Do not overlook the little care not covered by Social Security.

Vaccines, drugs to stop smoking or Viagra, for example, can now be assumed partially or fully by your insurer. While the main interest of further lies not in these little attentions, but it should not be overlooked either. They will probably help to decide between two comparable offers.

Evolve your contract with your needs.

During the life of your contract, you may need to go up market to reflect new needs. Feel free to change your contract over time. It is important to make periodic points on your needs and regularly play competition for the benefit of warranties more competitive.

The supplementary health, essential or unnecessary?

An additional insurance (or supplementary health insurance) is to take over all or part of your health expenses not covered by your health insurance mandatory.

Care, hospital stays and visits to your doctor or pharmacist expensive. Take out supplementary health can therefore be better reimbursed for health expenses. Social Security does not fully reimbursing these costs; a complementary health can compensate the difference between the cost of health benefits and reimbursement by Social Security.

Supplementary health insurance applies only to costs of health care (consultation with a doctor, hospital expenses, and costs for optical and dental spa, maternity package).

This health coverage is separate from the daily allowances and disability pensions which are the responsibility of an insurance-type pension.

Compulsory health insurance, which the majority of the population is affiliated, is managed by the general scheme for employed, commonly called “Social Security”.

What is a supplemental health insurance and what is it?

A mutual health is to take over all or part of your health expenses not covered by your health insurance mandatory.

Indeed, Social Security did not fully paying expenses such as hospital stays, care or doctor visits, a complementary health can compensate the difference between the cost of the provision of health and level of reimbursement by Social Security.

Subscribe to a mutual health can therefore be better reimbursed for health expenses.

Supplementary health insurance applies only to costs of health care (consultation with a doctor, hospital expenses, and costs for optical and dental).

This health coverage is separate from the daily allowances and disability pensions which are the responsibility of an insurance-type pension.

Health is becoming the first budget item in the household. Consultations medical, dental, optical, medicines and other medical expenses have been quick to burden the family budget. Especially since Social Security does not support that part of medical care.

Therefore, if you do not receive a supplemental health insurance through your company, it is recommended that you purchase a mutual health which will complement the mandatory scheme. This add up to a full refund of costs incurred.

The forms of subscription offering the highest rebates are also generally more expensive.