Insurance
Finding an effective and inexpensive supplementary health insurance
To deal with health expenditure, that Social Security does not cover in full, it is advisable to subscribe to a mutual complementary health insurance.
Definition of complementary-health:
Also called complementary health insurance, health insurance, supplementary health insurance. The supplementary health insurance is the set of guarantees additional to those taken in charge by the social security.
These guarantees are marketed by the complementary insurances that they are mutual not for profit or for-profit insurance companies.
They can cover all health expenses such as consultations with doctors, medicines, maternity, hospitalization, dental or optical.
How to choose the best health supplement:
Nowadays, finding complementary health insurance has become quicker and easier including through a health insurance comparator. Here are the steps to follow to find a cheap and effective mutual you want:
Establish an estimate of your consumption of medical care:
1-To establish it in a detailed way try to answer these questions:
- What are your urgent and predictable needs?
- Which health post do you spend the most?
- What are your care habits?
- Do you often attend specialists who practice fee overruns?
Thus, you will be able to choose the insurance that best suits your needs and your profile with the cheapest price. For example, if you are planning dental care, there is no need to opt for insurance.
2-Using an online health insurance comparator
Be aware first of all that the amount that remains at your expense determines the cost of the different health insurance contracts. You should not just focus on price. It is worth comparing the warranties in relation to the tariffs to be able to examine the best value for money.
3- Avoid as much as possible health insurance which imposes a medical questionnaire or waiting periods.
This can be disadvantageous in the case of unpredictable expense. The waiting period is the period during which the insurance does not cover you. This duration may be between one and several months. The best contract is the one whose effective date is the same date of subscription.
Although this benefit often represents an additional budget, it is very useful in case of unforeseen problems.
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