Health Insurance Program

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.