The cost of a mutual insurance is based on the relationship between the proposed coverage and your needs. Thus, the rate displayed at first glance is not enough to qualify an offer as cheap. In this guide, we help you find the cheap mutual insurance that suits you according to your consumption level. We will also provide you with the essential selection criteria and tips.
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Our selection
"The most economical offer on the mutual insurance market, Macif's Equilibrated plan offers a wide range of coverage. You will have the possibility to fine-tune…"
"April offers a tailor-made service for people who want to adapt their mutual insurance to their specific needs. The service is available online 24 hours…"
"Alptis covers all the medical needs of the over-60s with this customized offer. It covers excess fees up to 300% and provides 6 levels of…"
"Access personalized benefits through AG2R's ProtecVia formula. You will then have coverages in line with your consumption and your budget. Regardless of your initial choices,…"
The most economical offer on the mutual insurance market, Macif's Equilibrated plan offers a wide range of coverage. You will have the possibility to fine-tune the reimbursements through 5 levels of equipment on the various types of care.
See the priceReimburse your extra fees up to 175% of the Sécu rate with the Macif Equilibrée health insurance. All cover is available if needed, even on the first day of the contract. Subscribers benefit from the support services of the Santéclair network within the framework of any medical course.
This low-cost mutual insurance provides full reimbursement for the purchase of certain optical, dental and hearing equipment. In case of hospitalization, the assistance guarantees are very satisfactory. They are further enhanced by the Caregivers and Helpers benefits. In addition to the classic guarantees, the Equilibrated plan offers reinforcements for dental fillings and takes into account the cost of room and board and alternative medicine.
April offers a tailor-made service for people who want to adapt their mutual insurance to their specific needs. The service is available online 24 hours a day, 7 days a week. In addition, customers will have several choices of formulas with this offer.
See the offerYou can choose between two packages with Santé Mix: Hospitalisation package and Enhanced Health package. The first one is available from 4.46 euros/month, including tax, depending on its content. The second option costs 18.61 euros (including tax) per month and offers more comprehensive coverage. Apart from hospitalization costs, it includes reimbursement for routine care, natural medicine, pharmacy, dental, optical, hearing aids and care abroad.
It is still possible to personalize the formula with the family or senior reinforcement depending on your needs. The second module is even suitable for people aged 80. April is 5% cheaper than other mutual insurance companies in this respect. In any case, the 6 levels of reimbursements linked to this offer have no remaining expenses.
Alptis covers all the medical needs of the over-60s with this customized offer. It covers excess fees up to 300% and provides 6 levels of coverage to satisfy those who consume more than others in terms of health.
See the offerAlptis participates in part in the reimbursement of your care for spa treatments and the purchase and replacement of hearing aids. It also covers the cost of bone densitometry procedures. There is no waiting period or cumbersome formality for any of the benefits.
You can add 3 reinforcements to the pack for a more enriched coverage. These are the Well-being, Hospitalization and Optical Dental and Hearing Aid reinforcements. If the latter is not used, the related services will be included in the following year's benefits, so you can save money! This mutual insurance company regularly organizes preventive actions for various categories of people, free of charge for the members. Finally, Alptis offers a lot of discounts on the subscription, especially a 10% discount for couples, 20% if you take the 3 reinforcements.
Access personalized benefits through AG2R's ProtecVia formula. You will then have coverages in line with your consumption and your budget. Regardless of your initial choices, the levels of coverage can still evolve if necessary.
See the offerIn addition to the many levels of coverage offered, AG2R La Mondiale provides interesting optional reinforcements and complete assistance. This range is composed of 6 formulas from which you choose the one that is best adapted to your needs.
In addition, there is the Freedom Pack, which allows you to better support specific services that are not covered by Social Security (contraception, vaccines, etc.). You can thus reduce your health expenses as much as possible. There is also the comfort pack which optimizes the reimbursement of optical, dental and hearing treatments. Note that the mutual insurance company offers 3 months of free benefits over 3 years to new members.
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The best cheap mutual insurance in 2021
The best entry-level cheap mutual insurance
The best premium cheap mutual insurance
The best 100% health cheap mutual insurance
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| TOP OF THE LINE | CHEAP | TOP OF THE LINE | EXCELLENT | |
In accordance with our commitment, this buying guide does not contain any sponsored products. |
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| OUR SELECTION |
Macif - Mutuelle santé Equilibrée
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April - Health Mix
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Alptis - Santé Plurielle
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AG2R La Mondiale - ProtecVia
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The most economical offer on the mutual insurance market, Macif's Equilibrated plan offers a wide range of coverage. You will have the possibility to fine-tune the reimbursements through 5 levels of equipment on the various types of care.
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April offers a tailor-made service for people who want to adapt their mutual insurance to their specific needs. The service is available online 24 hours a day, 7 days a week. In addition, customers will have several choices of formulas with this offer.
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Alptis covers all the medical needs of the over-60s with this customized offer. It covers excess fees up to 300% and provides 6 levels of coverage to satisfy those who consume more than others in terms of health.
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Access personalized benefits through AG2R's ProtecVia formula. You will then have coverages in line with your consumption and your budget. Regardless of your initial choices, the levels of coverage can still evolve if necessary.
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Complete assistance guarantees
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Telemedicine service
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No age limit for levels 1 and 2
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Household assistance coverage
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General and specialized alternative medicine
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Reimbursement from 100 to 400%
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Free access to preventive health activities
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Upward or downward adjustable coverage
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Birth bonus of 100 euros per child
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7 levels of coverage
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10% discount for couples
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Teleconsultation service
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The profile of the subscriber can quickly make the price of a mutual insurance company vary. First of all, women spend more than men in this area. Then, an older person is likely to pay more than a young and active individual. In fact, a retired person pays around 966 euros per year on average compared to 388 euros per year for a student. Seniors are indeed likely to be fragile and consume a lot in terms of health. There is also the profession. A priori, employees are subject to higher rates unlike self-employed. Add to this your geographical area to compare prices. You should be prepared for a slightly higher budget if you live in the Hauts-de-France, the Paris region or in the South-East of France.Finally, your family situation is taken into account. An adult couple or single person without dependent children spends about 574 euros per year, while a family with 4 members spends around 1,562 euros per year.
When promotions and discounts are added to the basic rates, the subscriber benefits from the offer, if only in the short term. Some mutual insurance companies offer a few free months to start the contract. This is often the first 2 months. Others convince couples with a discount of up to 10% for the subscription for 2 persons. Among the interesting options is the assistance service. It is worthwhile when there is hospitalization. It is therefore recommended for certain categories of beneficiaries:
Make sure that the chosen formula includes the essential reimbursements for routine care (consultation with general practitioners and specialists), optical care, dental treatment and hospitalization. Normally, all mutual insurance companies offer these covers, they would not be worth it if they did not. Then, you can get additional help on these points:
For each insured benefit, evaluate the level of reimbursement that comes with it. The idea is to determine how much is covered by the mutual insurance company. Most complementary health insurance companies are based on the Social Security rate. They cover the rest that is not honored by the Social Security. In some cases, they also offer a fixed fee in euros.
There is no point in
taking out a contract with an exorbitant fee if you are not even going to use the services offered in return. That would be a real waste of money. Study your frequency and type of care beforehand to make the right choice. To do this, the medical history and hereditary diseases of the people covered are taken into account. You are not going to subscribe to a mutual insurance with reimbursement of alternative medicine consultations if they are of no use to you. A proper calculation is necessary. Add up all your needs, then take away the participation of the Sécu and your own unavoidable expenses. It is according to the remaining amount to pay that you will direct your research, with a more or less important margin all the same.
The conditions of membership change from one mutual insurance company to another. Look for one that has an easy and convenient procedure. Are the regulations that match your needs right for you? They can be verified with each organization. The same goes for the reimbursement schedule and the level of out-of-pocket expenses.
Medical contingencies represent a considerable budget for every household, regardless of the number of members. The cheap mutual insurance is a way to prevent these outflows of money while preserving your finances. It becomes essential if you do not have a company health insurance or are no longer covered by your parents. However, this remains a choice, especially for certain people such as civil servants, the self-employed and retired people.
Despite this, we must agree that medical care is unavoidable. The risks of accidents and illnesses, in other words hospitalization, are an integral part of life. The cheap mutual insurance should be considered as a means of protection against emergencies and other incidents.
Thanks to this reform, every subscriber can change his or her mutual insurance company after spending one year with any organization. No fees are applied at this time.
Every entry-level mutual has its targets. Find out which category interests you based on the offers available.
The student mutual insurance is the cheapest on the market. Normally, the targets do not have all the means to bear this expense yet. At the same time, their needs are generally less important. The cost of the complementary health insurance is minimal here, especially if the subscriber only consumes routine care. To be precise, he should only pay a few tens of euros per month. This does not mean that he will have mediocre reimbursements.
This oneis for retirees and senior citizens. Unlike the first type of cheap mutual insurance, the expenses are increased. The subscriber is often over 50 and needs a lot more care with more considerable frequency. This is why the coverages are plentiful with this offer. At the same time, the level of coverage increases. As a result, the beneficiaries pay quite expensive contributions. This does not mean that it is not possible to find contracts for less than 2,500 euros per year for a senior couple. The same criteria mentioned above are still valid.
The
cheap family health insurance is advantageous in the sense that discounts are applied for each dependent child. However, the level of the discount is not the same whether for the organizations or for the families themselves. The amount deducted is different for the first and second child. With the best mutual insurance companies, there are no contributions from the third child onwards.
With a free basket, you benefit from a more efficient reimbursement that is compatible with your actual needs. Note, however, that it does not depend solely on price. It is not a question of opting for the most affordable mutual insurance company without taking into account the coverage it offers.
More importantly, not all cheap mutuals reimburse you in full in this case. With a free basket, there is no ceiling on the price of care, but the assistance is also partial. The coverage is therefore predefined in the contract.
With the 100% health basket offer, the subscriber is fully reimbursed for certain treatments, notably optical, dental and hearing care. There are no remaining expenses with this option, whether for the purchase of medical accessories and prostheses or for the cost of treatment itself.
With a free basket, the contributions are moderate. This is not the case with a 100% health basket. Since the expenses of the mutual insurance company increase, it covers these expenses through the insurance premiums. If your needs are likely to be greater than normal, this second alternative is still possible.
Change your mutual insurance company to get a lower rate
You have the right to change your mutual insurance company after one year. You might as well take advantage of this to find the best prices. As part of this, make it a habit to check the market trend regularly.
Use the comparators properly
As
mentioned more than once in this article, give equal importance to all the pricing elements when comparing offers: guarantees, reimbursement ceilings, out-of-pocket expenses
...
Get as many quotes as possible
When
making the comparison, consider asking for several quotes for various offers, from the same establishment and from its competitors
.
Don't miss the good deals
Good deals abound during the last months of the year. Mutual insurance companies seek to retain their customers and attract other targets at this time. Take advantage of this to reduce your bill.
Opt for the annual payment to save money
Prefer
annual premiums to monthly payments so you don't incur other ancillary costs. You represent less risk to the mutual with this technique.
The best cheap health insurance depends on your needs and your budget. Read our buying guide to find out which products are the best.
For the offers proposed in this guide, you just have to follow the link to see the offer. The subscription is done in a few minutes on these mutual insurance companies.
The cheap mutual insurance is the one that offers you all the coverage you need with a satisfactory level of reimbursement for the cheapest price.
Yes, and the criteria for choosing the right insurance are the same as with other types of cheap mutual insurance.
To reduce your contributions, you can either change your health insurance completely or take out a cheaper offer with lower levels of cover.
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