If employees rarely have a choice, the self-employed, the retirees or even the unemployed must do their market among hundreds of offers. On what criteria to decide?
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Employees rarely ask themselves the question, mechanically signing the internal mutual contract without paying a lot of attention. However, they have the choice to refuse it for the benefit of their spouse’s contract if the guarantees are more attractive. Compare both is therefore not useless.
Furthermore, if none of the two contracts is sufficiently efficient, the subscription of an additional contract can also be envisaged … especially since the reimbursement of half of the premium by the employer leaves a margin of maneuver.
Finally, few employees know that the provident attached to the health insurance contract only covers the employee of the company. As part of a family contract, the non -employee spouse is not covered. Information that many discover a little late.
The most dynamic health insurance consumers in the search for the best contracts are therefore the increasingly numerous self-employed, given the evolution of our economic model and the aging of the population.
Although progress has been made (examples of amounts are now parallel to percentages in the tables of guarantees), this selection work is always complicated. So, what should you be careful? 2>
take into account your personal needs
First, carefully look at what the contract covers. The guarantees are presented in several times: eyes, teeth, specialists, hospitalization … For each acts, it is important to know the compensation amounts and the reimbursement ceilings.
As interesting as it is in terms of value for money, the contract may not suit all profiles. In the health sector, even more than in others, it is personal needs that will allow the most suitable insurance to be taken out. Being vigilant to take charge of the reimbursement of hearing aids or glasses, when we wear them, is essential.
“According to his profile, the insured will then be able to choose the desired degree of reimbursement according to the type of care he thinks most often, says Luka Payras, of Selectra. Complementary health people offer more and more “Drawer contracts” allowing the insured to opt for reinforcements of guarantees on specific care positions such as dental or optics, or, on the contrary, a reduction in certain guarantees, which will make the price of the Insurance bonus. “
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