How to choose the right health insurance according to your health needs?

What criteria should be used to choose a mutual society? This is a very good question. Take the time to study several points before deciding: your health needs and those of your family members; the guarantees offered in such and such an offer; exclusions of warranties; repayment percentages; your financial means… Once you have examined these various topics, your ideas will no doubt be clearer for choosing your future mutual insurance. An offer can also clearly stand out from the others!

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Choose the right mortgage based on your needs

Do you wear glasses or contact lenses? Have your kids been sucking their thumbs for too long and their teeth need braces to get back on the right track? Are you seriously considering getting prescription hearing aids so you don’t find yourself isolated in the middle of a conversation?

Everyone has a history and specific needs in terms of general health, dental, optical, gynecological costs … Take stock as objectively as possible in order not to miss any foreseeable treatment to be financed. Some health insurance companies offer guarantees that will seem more or less appropriate to you. Optical or dental costs can quickly become expensive … as well as hospitalization costs.

Choose the right mortgage based on guarantees and repayment levels

Choosing a good health insurance based on your health needs means comparing the proposals of different organizations. Do not hesitate to use the online comparators, which will allow you to save precious time and not miss the most interesting offer in terms of guarantees but also repayment percentages.

In any case, even if you have to adjust your health insurance to your budget, do not forget that some guarantees must absolutely be included in the offer: ordinary and optical and dental treatments which are not reimbursed by the health insurance and which could put you in a difficult financial situation. if you had to hire them yourself.

Choosing the right health insurance for the elderly

The time when you are choosing your health insurance is also when it is best to be honest with yourself. And as your age advances, it’s best to consider broader coverage. This does not mean that your health will suddenly decline; but being prepared for when healthcare costs rise is essential.

Most complementary health care organizations have developed mutual insurance adapted to seniors, thus offering greater guarantees for dental implants, hearing aids, hospitalization or even optical care.

Choose the right family health insurance

Taking out a family mortgage can be a good idea economically, because it allows you to insure the whole family without having to multiply individual contracts. You can also attach your child to the contract you choose.

Some mutual insurance offers may also allow you to benefit from additional services such as the intervention of a housekeeper or childcare. Even if they are not directly related to health, they can be more significant if you have little time to devote to the maintenance of your apartment or house or your schedules do not allow you to pick up your children from school or kindergarten.

Think about warranty exclusions

Do not skip reading the general conditions of your health insurance offer which indicate the possible exclusions of guarantees. How many policyholders have had the unpleasant surprise of discovering them after signing the contract! This could be the absence of coverage for a service such as cosmetic surgery or a stay in a nursing home; or conduct deemed guilty, such as an attempted suicide, an injury resulting from the consumption of alcohol or illicit substances, or even the practice of extreme sport. You can find the repayment limits in your guarantee table.

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