Are you senior and your health needs are no longer the same as when you were 20? We guide you in choosing a mutual health insurance that fits your current profile and that to come.
You save money while remaining active and serene on a daily basis.
Hospitalization: pay attention to the waiting periods
Do you want to rest in a quiet environment during hospitalization? You probably need a private room and an accompanying bed Do you sometimes stay in a private clinic or specialized establishments? You often pay more than at the public hospital.
Often, you do not benefit from third-party payment and your remaining charge may be substantial.
1. PRIVATE ROOM AND ACCOMPANYING BED: A PACKAGE IN EUROS
In general, the particular room and the accompanying bed are integrated. You have a daily pass in euros. Check that there are no time limits.
Indeed, some mutuals only reimburse you for up to 60 or 90 days a year. If you are hospitalized longer, the sum comes out of your wallet.
If you attend non-conventioned clinics, make sure your health insurance recognizes them. If so, make sure it reimburses you as well as if you were in a contracted hospital.
2. CHECK THE REIMBURSEMENT DEADLINES OF YOUR MUTUAL
Finally, pay particular attention to waiting periods. Indeed, a large number of mutuals only reimburse you after a few months of subscription: 3 months, 6 months or even 1 year.
This is especially true for expensive care such as surgical fees in non-contracted sectors.
Others limit the amount of your repayment for the first few months.
Glasses and dental care: Plan for the big expenses
The frequency of your visits to the dentist determines the budget dedicated to your teeth. Prostheses, dental implants and eye operations are poorly reimbursed by Social Security.
1. REPAYMENT AMOUNTS THAT INCREASE OVER TIME
The most advantageous for your optical and dental care? Choose a plan that increases over time. From the 2nd year, you have a larger sum for your dental prostheses or your progressive lenses.
Do you change glasses every year or do your teeth require heavy equipment? Choose a mutual insurance company that offers you the same reimbursements whether or not you used your plan the previous year.
There too, as in hospitalization, waiting periods exist. Plan ahead: choose a mutual fund that covers you before your need becomes really urgent.
2. WELL SUPPORTED EYE OPERATIONS
Do your eyes need surgery? Many mutuals offer reimbursement for cataract surgery or refractive surgery if you are nearsighted, presbyopic or astigmatic.
Hearing aids – Choose the package in euros
One ear or both? A simple or complex device? The prices of hearing aids are very high and very poorly reimbursed by Social Security.
THE MUTUALS OFFER
Mutuals have different ways of paying for hearing aids:
- Either they offer to reimburse you a percentage based on the Social Security Reimbursement Base (BRSS), which is very low. For example, if your health insurance shows 200%, it only pays you 279.42 euros. Out, a hearing aid costs up to 2000 euros.
- We advise you to avoid this solution.
- Either they display an annual fixed price in euros. As in optics or dental, you can benefit from an amount that increases over the years. This is what we advise you.
Well-being – Relax at a lower cost
Do you treat yourself regularly with alternative medicine or do you relax with a spa treatment ? With accommodation and transportation, this can be expensive. Social security does little or nothing at all for this care.
TAILOR-MADE FORMULAS FOR ALTERNATIVE MEDICINES AND THERMAL CURES
To meet your needs, mutuals offer annual packages in euros. Alternative medicines have become commonplace and many complementary health insurance companies reimburse them.
They are included in your initial contract or available as an option. For spa treatments, a special senior or top-of-the-range formula is often necessary.
Are you immobilized in your chair after a fall or hospitalization? Some mutuals offer assistance. A housekeeper does your shopping, cleaning or cooking.
A person can also watch your dogs and cats if you are in the hospital. Others offer medical advice over the phone or reimburse your medical repatriation if you are abroad.
Beware of age limits
When you get older, some mutuals close their doors or increase your rate. To avoid these disappointments, follow these tips.
1. THE AGE LIMIT
Many mutuals do not accept seniors, from 55, 60 or 65 years old. Other or sometimes the same terminate your contract once you reach your 75th, 80th or 85th birthday.
They consider that you are going to cost them too much: multiple hospitalizations, drug expenses, hearing aids. The solution? Opt for a mutual that offers the lifetime guarantee.
2. THE LIFETIME GUARANTEE
With the lifetime guarantee, you keep your mutual insurance for life. It is mainly offered in responsible contracts. Think about it as early as 60.
You will thus have a wide choice of complementary health insurance that covers you even if your health needs increase.