May 30, 2019 admin 0Comment

More than 9 out of 10 French have complementary health coverage, each with its own characteristics. What is the best mutual contract? Which complementary health contract offers the best level of guarantees? What repayments can I expect to get from an insured?

The best health complementary contracts

The best health complementary contracts

The assumption of health expenses by the mutual society can be expressed in three ways: as a percentage of the contract rate, after deduction of the reimbursement of the Health Insurance, as an annual fee per insured person, or in the form of a percentage convention rate with an annual fee.

A mutual health insurance can not be reduced to a price. The tariff is certainly an important criterion, but the guarantees offered and the associated service are just as important. We analyzed the 4,000 contracts referenced by our Legacy Inspector insurance comparator and identified the ones that best pay for four representative expense items .

Insurer Contract Doctor 1 Hospital 2 Optical 3 Dental 4
AcommeAssure Mutuance Level 6 $ 57
(250%)
500 €
(250%)
400 € $ 270
(250%)
AFI Health Relaxeo Health Formula 5 $ 45
(200%)
500 €
(250%)
$ 470 $ 324
(300%)
AG2R THE WORLD Modulo Health Reinforcement +3 $ 68
(300%)
600 €
(300%)
$ 403
(60% + 400 €)
$ 328
(100% + 220 €)
AllSecur Group Allianz ‘ Essential Level 5 50 €
(220%)
440 €
(220%)
350 € $ 324
(300%)
Alptis Divinea 4 $ 68
(300%)
Real costs 300 € $ 324
(300%)
FRIENDS Santhia Senior Formula 3 $ 45
(200%)
400 €
(200%)
$ 202
(100% + 197 €)
$ 216
(200%)
APICIL Profil’R Dynamic F8 Comfort benefits $ 57
(250%)
600 €
(300%)
$ 610 $ 616
(570%)
NJC Actilea Neo Level 5 $ 57
(250%)
600 €
(300%)
350 € $ 432
(400%)
Cocoon Health Insurance Privilege Formula $ 68
(300%)
600 €
(300%)
$ 525 $ 313
(290%)
Eloïs Health Elosanté 6 $ 68
(300%)
600 €
(300%)
$ 610 $ 432
(400%)
MUTUAL JUST ‘ Health A300 $ 68
(300%)
800 €
(400%)
$ 315 $ 378
(350%)
M As Mutual MeHealth Formula 6 range € 56
(250%)
500 €
(250%)
$ 425 $ 432
(400%)
MAELIA Fullness $ 57
(250%)
800 €
(400%)
$ 385
(100% + 380 €)
$ 486
(450%)
MGC Zen Extra $ 57
(250%)
600 €
(300%)
390 €
(100% + 385 €)
$ 508
(100% + 400 €)
Miltis Lumineis 4 $ 45
(200%)
500 €
(250%)
350 € $ 324
(300%)
MUT-DIRECT Optimum € 39
(175%)
500 €
(250%)
$ 205
(100% + 200 €)
$ 270
(250%)
MUTUAL BLUE Net Cap Eco + € 22
(100%)
$ 200
(100%)
0 € 5
(100%)
$ 108
(100%)
IBM Staff Mutual IBaMéo Serenity $ 42
(190%)
$ 560
(280%)
$ 284
(1260% + 221 €)
$ 466
(431%)
mutuelle-internet.com Equilance 5 $ 34
(150%)
$ 280
(140%)
$ 305
(100% + 300 €)
$ 270
(250%)
MVS Warranty 250 $ 57
(250%)
500 €
(250%)
$ 355
(100% + 350 €)
$ 432
(400%)
MYRIAD Main Serenity 4.0 $ 34
(150%)
$ 280
(140%)
$ 405
(100% + 400 €)
$ 432
(400%)
OCIANE OSMOZ 400 $ 45
(200%)
400 €
(200%)
360 € $ 432
(400%)
votre-mutuelle-moins-chere.com Prima 3.0 € 22
(100%)
$ 280
(140%)
$ 175
(100% + 170 €)
$ 135
(125%)

 

How to choose your mutual health?

How to choose your mutual health?

Choosing a complementary health insurance according to your needs can be difficult. Each insurance profile is different, the needs of each being not identical.

Medical consultations, dental and optical care and hospital care are the main guarantees to be taken into account when subscribing to a health insurance contract, in order to obtain reimbursements not covered by Social Security.

There exists on the market a multitude of complementary health contracts. Analyzing each proposed formula by contacting insurers would simply be impossible. We invite you to follow two simple tips to identify the right contract for your needs in a simple and effective way.

In the first place, it is necessary to evaluate one ‘s needs according to one’ s habits of consumption in care, particularly the overtaking of fees, optical care, dental and pharmaceutical care. Your profile (age, family situation, professional situation…) is also decisive for the choice of an adapted contract.

The second step is to select the contracts that fit your needs. The simplest and fastest method is to use a mutual comparator. The comparison of health insurance online allows you to obtain one or more relevant quotes from the thousands of referenced contracts, and this in a few clicks.