Some tips to help you choose mutual health insurance

The choice of mutual health is important for benefiting from coverage. Discover what you should consider to correctly choose the mutual health plan right for you.

Mutual health plan: Advice for choosing

Mutual health is a contract that allows for a reimbursement of medical expenses not covered by Social Security. It is important to take into account certain information when choosing a contract.

Criteria to consider when choosing the right mutual health plan

To choose your mutual health plan, it is advisable to determine your needs: it is important to evaluate your health taking into consideration age, health problems, and diseases that frequently occur. For example, a person of 30 years of age must take out a mutual health insurance that foresees the guarantee of hospitalization (in case of car accident), an optical guarantee and a dental guarantee if they are in need of such. It is not worthwhile to include other provisions that will increase the payable contribution. It is also important to consider the types of professionals you often visit (general practitioners or specialists) to determine if the overflows of conventional rates are normal. The contract should then provide for reimbursement of excess fees, especially if the person lives in a large city where the practice is quite common.

Precautions when taking out a mutual health plan

Before purchasing, it is advisable to verify certain points of the mutual health plan choice: one must learn about the waiting period: sometimes the waiting periods are long which makes these options less desirable in case of illness or injury during this wait period when health expenditures are not covered. To benefit from excellent dental and optical coverage, it is strongly recommended that you make inquiries as to ceiling amounts imposed by the mutual plan. In some cases, the maximum amount of coverage may be very low.
Finally, it is essential to update the mutual health plan, taking into account its needs over the years.

The Comparator advises and helps you choose the mutual health plan best suited to your needs at competitive rates.