The subscription of a mutual insurance aims to obtain a complement on the refundings of the expenses of health supported by the Social security. Depending on the level of guarantee, this can cover a good part of your medical care. Choosing the right mutual insurance company from the many offers on offer is therefore essential to improving the quality of your care. This is an interesting solution for low-income households who can benefit from a reduction in health costs related to various treatments or pathologies. We give you some advice to benefit from excellent coverage while paying less for your health insurance.
The well-being reinforcement pack, an advantageous option
Many mutuals and insurance companies now offer offers geared towards well-being. These are interesting formulas that give the possibility to the insured person to be reimbursed for certain important treatments that are not part of those covered by the compulsory health insurance. By opting for a well-being reinforcement pack, this can help you pay less for your health insurance. The main interest is still to have access to essential or useful care to stay in shape. Activating such an offer may require additional fees, but it is beneficial in the long run, as you will pay for them in a few appointments.
Why choose a well-being reinforcement pack for your health insurance?
To promote their well-being, each person defines their ideal method according to their habits and the means at their disposal. While some profiles are oriented towards sports activities or diets, others favor therapeutic methods such as alternative medicine. In France, more and more households are opting for alternative treatments in order to prevent or treat illnesses. The tariffs applied for this care can however be expensive for many people, because they are not covered by Social Security. With a “reinforcement of well-being” option offered by insurers, your mutual health insurance adapts to your needs and your state of health by offering a full or partial support of this category of care.
The formula thus gives you the possibility of obtaining reimbursements for your consultation costs in alternative medicine. You should also be aware that all mutuals offering wellness benefits and alternative therapies do not necessarily cover the same disciplines. As an insured, you must therefore remain vigilant when choosing your complementary health insurance. Take the time to check the types of alternative medicine it offers to reimburse. Ask yourself if these disciplines are among your favorites. Evaluate if possible your annual expenses for this care and compare with the contributions requested by the insurance company. If that doesn’t seem profitable for you, don’t hesitate to consult other companies.
What treatments are covered by a wellness pack?
The “well-being reinforcement” formula includes different categories of care. Beyond alternative medicine, people who have subscribed can in particular take advantage of fixed prices for non-reimbursed medicines. These are drugs sold in pharmacies with or without a prescription. Certain vaccines which are prescribed to you may not be covered by the health insurance fund. By activating the wellness offer, your mutual health insurance can reimburse them. Regarding alternative medicine consultations, here are some examples of treatments that can be fully or partially reimbursed by a “well-being reinforcement” pack:
- diet medicine,
- occupational therapy, etc.
Thanks to the subscription to a well-being formula, you will benefit from significant support which will ensure good health on a daily basis. Since January 1, 2021, homeopathy, for example, is no longer covered by Social Security. This option in your mutual insurance contract gives you the option to continue enjoying refunds. You can also consult an osteopath, a physiotherapist or even a nutritionist in peace, without fear of having very high costs.
The importance of health and well-being health insurance
Subscribing to mutual health insurance means benefiting from coverage that pays for care not covered by health insurance. The mutual also intervenes on top of your usual care for the consultations covered. Activating a wellness plan is not mandatory, but highly recommended. Many organizations offer these insurance contracts, but their overall objective remains the same: improve your health coverage providing more guarantees than the compulsory basic scheme.
Employees have the advantage of automatically benefiting from company mutual insurance, but some treatments may not be covered. For other people such as self-employed workers, the unemployed, retired seniors or students, a individual health insurance contract is almost unavoidable. A “well-being reinforcement” pack can therefore be a considerable asset depending on the situation in which you find yourself. Depending on the formulas and contracts, the complementary cover offers very interesting guarantees for better health on a daily basis. By opting for preventive treatments and wellness services, you also reduce your future medical and social expenses.
The insured person who goes to a sophrology session, for example, will reduce the effects of excessive stress on his person. It thus avoids more serious consequences with health problems and work stoppages that result. Training to adopt good postures at work can also limit the risk of musculoskeletal disorders, with significant economic benefits. Choosing a mutual insurance company that is truly suited to your needs is essential to getting the most out of this complementary insurance. This is why we strongly advise future policyholders to make a comparison of the different offers proposed by the organizations.
Good reasons to compare mutuals
Choosing the right complementary health insurance is essential to benefit from the best possible coverage. To achieve this, you must compare the different offers on the market. Some specialized sites give you the possibility to do it online in a few simple steps via a health insurance comparator.
Get optimal coverage
The first advantage of taking out mutual insurance is to be able to be reimbursed for all or part of their healthcare expenses. It acts as a complement to the guarantees offered by Social Security and must therefore logically meet the needs of the insured, whatever they may be. Each profile being unique, different factors must be considered to make a choice. Among these factors there is age, marital status, profession, place of residence. These are the main elements that influence the guarantees and the amount of the contributions. They will help you choose a mutual with optimal coverage.
If you have dental or optical problems or are planning a possible hospitalization, comparing health mutuals will help you identify easily those who will be able to cover these costs. The categories of priority care for a senior are not the same as for a young adult. As age advances, one often sees the appearance of problems related to the health of the eyes, ears, teeth, etc. For families with dependent children, sufficient cover will be necessary to pay for orthodontic consultations for children, for example. You must then check the contracts offered on a case-by-case basis to be sure to make the right choice.
Apart from the guarantees offered by a mutual insurance company, the service provider’s prices are essential to make a wise choice. First passing through a online mutual insurance comparator, you will put all the chances on your side to save money. You will be able to benefit from more affordable rates without having to lower your requirements. The tariffs will initially be defined according to the health risks linked to the age, the professional situation, or the geographical location of the insured. Since an older person is more likely to have more serious health problems, they will logically pay more than a younger person.
However, all mutuals do not operate in the same way and do not have the same method of approaching customers. The prices charged by insurance companies may be different, even for equal coverage. The best decision is to opt for the most affordable offer, taking care to check the level of guarantee. You don’t have to sacrifice the quality of your health insurance cover. Use an online comparator to find the best value for money while having services that meet your expectations.
The quality of a mutual is also assessed in relation to the speed of its reimbursements. This is an element that you absolutely must take into account, because it will make the difference in certain situations. Most of the time, the delays vary according to the data processing and transmission system within the company. Prioritize a mutual insurance company which is able to process your files seriously and who will reimburse you as soon as possible. The opinions left by the insured can give you an indication of this selection criterion.
The guarantees and prices offered by the complementary are a good basis for deciding, but you must also be able to count on satisfactory additional services. For policyholders, choose a good health insurance, it also means having the possibility of quickly getting in touch with advisers for information. Indicators such as the communication channels used help to analyze this parameter. Phone calls, but especially responsive online and messaging services are highly valued.
Some mutuals set up a partnership with health professionals to offer payment facilities or preferential rates. This is another point on which you must pay attention to be able to benefit from better care, even if you have little means. The different formulas offered by mutuals, such as the well-being reinforcement pack, are an excellent way to take care of yourself despite a limited budget. However, you must be careful to choose your cover wisely. THE online health insurance comparator is the ideal tool to carry out this approach.