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What guarantees are essential for good mutual health?

Nowadays, the costs related to health are more and more expensive between drugs, hospitalizations, rehabilitation sessions, etc. while reimbursements by social security are experiencing a significant decline. The insured is often obliged to pay or supplement charges which are not fully covered by this insurance. Subscription to a mutual health insurance is therefore necessary to reduce health expenses, improve general well-being and ensure comfort. 

The basic guarantees essential to a mutual health insurance

Health care needs differ from person to person: a child does not have the same needs as a young adult or a senior. The majority of health mutuals therefore have offers of guarantees according to age groups. In this sense, the use of a comparator such as lecomparateurassurance.com allows you to choose the guarantees essential for your mutual. However, 4 basic guarantees are essential for all people of all ages:

  1. Reimbursements for routine medical care which include the cost of consultation with the doctor, drugs, analyzes, radiology, physiotherapists, etc.
  2. The coverage of hospitalization costs which include all the costs incurred, such as the fees of the nursing staff: (anesthesiologist, surgeon, nurses, etc.), accommodation costs, drugs, analyzes or x-rays, and medical transport costs such as VSL, ambulance, etc.
  3. Reimbursement of dental expenses, to cover all dental care, including crowns, implants and bridges among others.
  4. Optical care which mainly concerns the costs of glasses, frames, contact lenses, etc.

In addition to these 4 basic options, several health mutuals offer more extensive cover offers, depending on the age of the insured.

Mutual health guarantees for seniors

Beyond 55, health-related expenses increase more and more. At this age, the insured is exposed to several risks. An older person is usually forced to go to the doctor or even to the hospital, more often than a young person. Health problems are on the rise, such as dental, vision, hearing problems, etc. It is therefore necessary to subscribe to a mutual health insurance which can cover the costs related to these problems.

In addition to reimbursement for medical care, hospitalization, dental and optical costs, some senior mutuals offer other options that can supplement social security benefits, such as:

  • The costs of the single room and the company in the event of hospitalization;
  • Alternative medicine treatments such as phytotherapy, sophrology, etc.
  • Home assistance following hospitalization or an accident.
  • The management of certain necessary surgeries such as corrective eye surgery, in particular that of cataracts which is very common at this age.

Without forgetting reinforced guarantees on glasses, dental (prosthesis, root implant, periodontics, orthodontics) not reimbursed by social security, hearing and bone densitometry.

Mutual health guarantees for children and young people

For a child :

Children sometimes need care for common childhood illnesses, vaccines, dental care or other health problems. It is therefore recommended to subscribe to a mutual health insurance adapted to your needs, with guarantees such as:

  • The costs of certain vaccines not reimbursed by social security;
  • Hospitalization costs.

For children who do not have a sight problem, it is recommended to remove the Optical option which is not part of their health needs, especially since it is expensive.

For adolescents and young people:

Having particular health needs, the majority of young people need a mutual health insurance which covers:

  • Travel vaccines especially for lovers of high-risk destinations;
  • The charges for smoking cessation treatments;
  • Contraception costs which include the costs of the pill, IUD, etc.

Finally, orthodontics, which is not covered by social security from the age of 16, is also part of the essential guarantees.

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