Health Insurance Program

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.

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.