How to choose your health insurance?
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Employees rarely ask themselves the question, mechanically signing the internal mutual insurance contract without paying much attention to it. However, they have the choice of refusing it in favor of their spouse’s contract if the guarantees are more attractive there. Comparing the two is therefore not useless.
Moreover, if neither of the two contracts is sufficiently efficient, the subscription of a complementary contract can also be considered… Especially since the reimbursement of half of the premium by the employer leaves room for manoeuvre.
Finally, few employees know that the provident scheme attached to the health insurance contract only covers the employee of the company. As part of a family contract, the self-employed spouse is not covered. Information that many discover a little late.
The most dynamic consumers of health insurance in the search for the best contracts are therefore non-salaried workers, who are increasingly numerous, given the evolution of our economic model and the aging of the population.
Although progress has been made (examples of amounts now appear alongside the percentages in the coverage tables), this selection work is still proving to be complicated. So what should you pay attention to?
Consider personal needs
First, look carefully at what the contract covers. The guarantees are presented in several stages: the eyes, the teeth, the specialists, the hospitalization… For each of the acts, it is important to know the amounts of compensation and the reimbursement ceilings.
As interesting as it is in terms of value for money, the contract may not be suitable for all profiles. In the health sector, even more than in others, it is personal needs that will make it possible to take out the most suitable insurance. It is essential to pay attention to the reimbursement of hearing aids or glasses, when you wear them.
“Depending on their profile, the insured will then be able to choose the degree of reimbursement desired according to the type of care they plan to use most often, says Luka Payras, from Selectra. Complementary health insurance is increasingly offering “multiple contracts” allowing the insured to opt for enhanced guarantees for specific care items such as dental or optics, or, on the contrary, a reduction in certain guarantees, which will change the price of the insurance premium. »
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