Although they increase over the years, health costs are less and less reimbursed by Social Security. For this reason, subscription to a health insurance company is essential. But to find the best and save money, the comparator is the essential tool.
The importance of health insurance
In France, affiliation to Social Security is compulsory. Thanks to the “compulsory regime”, it is possible to benefit from medical assistance, without having to assume all the derived expenses.
But it is important to specify that not all costs are reimbursed. In some cases, the compensation amounts to only 25% of the expenses incurred. To avoid finding yourself in a difficult financial situation and to limit risks, it is recommended to subscribe to mutual health insurance.
Due to the diversity of offers, it is not easy to choose the one that suits you best. For find your health insuranceuse a comparator.
Why use a health insurance comparator?
The health insurance comparator offers several important advantages.
Get attractive savings
This is the main reason why consumers use this tool. Health risks are calculated according to certain elements, prices are likely to vary from single to double (even triple).
The mutual comparator allows you to find the cheapest offer. Great to save money.
Get free quotes online
So that you have mentioned all the necessary information, you will get different quotes online. You will also have access to the general contracting conditions, guarantees, etc.
The Internet has greatly reduced the time it takes to compare offers. You will thus gain readability.
play competition
The comparator puts the services of several mutuals in competition. After careful study, you will necessarily find the one that suits you best.
save time
Thanks to the comparator it is no longer necessary to go to a physical agency to obtain information and less to make calls.
In just a few clicks, you will have the list of offers adapted to your situation (all from your home).
The principle of operation of this tool is identical to that of a car or home comparator, with the difference that it allows you to find the health mutual adapted to your profile. It is simple, free and fast, and its use does not require any special skills.
You only have to fill in certain elements of the form, such as your professional situation, your family situation, your address, your age, your needs in dental care, optics, etc. Subsequently, the comparator will show the list of offers that are available to you.
Unless you want an insurer to contact you, your personal information will not be passed on to a third party.
The criteria to take into account when using a health insurance comparator
To find the health mutual that suits you best, you have to analyze 3 criteria:
- payment to third parties: it allows you not to pay large sums before benefiting from a refund from the mutual. But during the consultation it is mandatory to present the vital card and the “health advance card”;
- the reimbursement period: indicates the period of time that elapses before the insured receives his reimbursement;
- the waiting period: refers to the waiting period before the effective application of the chosen guarantees. These are the most expensive treatments and generally last from 1 to 3 months. Give preference to mutuals that offer reduced waiting periods.
The comparator is a tool whose effectiveness no longer needs to be tested. In particular, it sorts the offers available in the market and only shows those that are suitable for your situation. This way, you will be sure to save money.
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