Unable to cover all your medical expenses and those of your family? The mutual health insurance takes care of everything! But before you can benefit from it, you must subscribe to a contract. To help you, we have looked for the most advantageous mutual health insurance companies of the moment, those that offer an unbeatable price/guarantee ratio, complete reimbursements and customizable offers.
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Our selection
"Harmonie Mutuelle's Individual Health Care offer is divided into 6 levels of coverage, all of which are transparent to ensure the satisfaction of members with…"
"This health insurance offered by SwissLife offers the best compromise on reimbursements for hospitalization, dental care, optical care and pharmacy costs."
"In addition to traditional reimbursements, CNP pays for other expenses such as the birth bonus. Third-party payment agreements avoid the need for advance payments for…"
"MNH Evolya is suitable for hospital patients, families, seniors and non-salaried workers. All can enjoy full or partial reimbursement for general, dental, optical and hospitalization…"
Harmonie Mutuelle's Individual Health Care offer is divided into 6 levels of coverage, all of which are transparent to ensure the satisfaction of members with varying needs.
See the offerHarmonie Mutuelle offers 3 plans: Sérénité, Confort, Optimum. They leave an out-of-pocket expense of around 1 euro at the most, except for orthodontic care. In addition to dental, hearing and optical treatments, alternative medicine is reimbursed from the first plan onwards, although reimbursements are still rather limited at this level.
The services related to these 3 main treatments improve with the second plan. But the most complete of all is the Optimum which covers the most important services with a high monthly contribution of more than 250 euros/month. This health insurance plan takes advantage of the Kalivia care network to offer attractive rates for optical and hearing care. It offers 2 additional cover options to improve the reimbursement rate. These are the Hospi and Essential coverages.
This health insurance offered by SwissLife offers the best compromise on reimbursements for hospitalization, dental care, optical care and pharmacy costs.
See the offerSwissLife Health coverage is adapted to all beneficiaries, including seniors. The reimbursement of optical and auditory care will be more advantageous for them, especially since they are more expensive at this age. The mutual insurance company also covers preventive expenses. Its offers are just as advantageous for other profiles ranging from young workers to families, including employees and self-employed workers.
The coverage can be customized according to the needs of each individual by determining the level of coverage oneself. The Carte Blanche Partenaires network, to which SwissLife belongs, allows you to benefit from the services of 220,000 medical professionals in the UK without having to pay any advances.
In addition to traditional reimbursements, CNP pays for other expenses such as the birth bonus. Third-party payment agreements avoid the need for advance payments for medication and hospitalization costs.
See the offerThe CNP Ma Santé mutual insurance offers are aimed at both individuals and professionals. Each client will have 6 levels of guarantees to cover hospitalization, routine care, pharmacy and specific treatments. CNP can cover the expenses of the person accompanying the subscriber in case of hospitalization. In addition, the excess fees are covered from level 2 onwards.
The scope of reimbursement of this health insurance plan changes according to the level chosen. Beneficiaries have access to a support service to personalize their contract. It is based on your prevention assessments, as not everyone is subject to the same health risks.
MNH Evolya is suitable for hospital patients, families, seniors and non-salaried workers. All can enjoy full or partial reimbursement for general, dental, optical and hospitalization care.
See the offerAny specific needs?
The best health mutual in 2021
The best entry-level health mutual
The best premium health mutual
The best health mutual for everyone
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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 |
Harmonie Santé Particuliers
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SwissLife Health
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CNP Ma Santé Mutual Insurance
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MNH Evolya
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Harmonie Mutuelle's Individual Health Care offer is divided into 6 levels of coverage, all of which are transparent to ensure the satisfaction of members with varying needs.
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This health insurance offered by SwissLife offers the best compromise on reimbursements for hospitalization, dental care, optical care and pharmacy costs.
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In addition to traditional reimbursements, CNP pays for other expenses such as the birth bonus. Third-party payment agreements avoid the need for advance payments for medication and hospitalization costs.
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MNH Evolya is suitable for hospital patients, families, seniors and non-salaried workers. All can enjoy full or partial reimbursement for general, dental, optical and hospitalization care.
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Kalivia health care network
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9 levels of reimbursement
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Reimbursement of the most expensive optical and dental items
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100% Health starting at level 1
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Transparent presentation of benefits
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No health questionnaire
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Possibility to use tele-consultation
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Offer for different categories of insureds
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Very interesting optional benefits
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Carte Blanche-Prysme offer
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Tiers payants
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Spouse and dependent children covered
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The best mutual health insurance meets your real needs in terms of care and health. It allows you to avoid unnecessary costs. It should also give you access to tailor-made coverage. Take into account the monthly contributions! You need to be able to afford the required amount over time. Also pay attention to exclusions of coverage, probationary or waiting periods, as well as deductibles and caps, and choose your mutual insurance company based on these parameters.
To avoid being surprised by the low level of compensation, look at the price/guarantee ratio and protection of mutual insurance companies. Price is certainly a selection criterion, but it should offer as many guarantees as possible. These guarantees must be solid. Choose those that include drug coverage, consultations (general and specialized medicine) or dental coverage and don't forget to take into account the level of reimbursement which should be more or less important.
The lump sum is the amount allocated either per act or per year. This amount is generally limited and evolves according to your years of loyalty. (1st year: 300 euros; 2nd year: 450 euros; 3rd year: 600 euros...).
Evaluate your needs to make the right choice in package. The most expensive plans offer complete packages for procedures not covered by social security, such as dental implants, orthodontics for adults, etc. The best mutual insurance companies cover general medical services, and hospitalization in a single room, including the daily fee.
Be
aware of the services: co-payments, third-party payment, right to CSS, fast reimbursement, teleconsultations, etc. These make the daily life of the insured very practical. These are obviously the assets of a contract.
Choose a formula according to your status. The best mutual insurance companies allow you and your family to benefit from individual or specific protection. They meet the needs of everyone, depending on their professional status, marital status and age.
If you want to have a baby, make sure that pregnancy tests are properly covered. Your mutual insurance company should reimburse your private room in the maternity ward. In this case, a good orthodontic package will also be very desirable.
If you are not employed or if you are a civil servant, you should take out a mutual health insurance that will cover your medical expenses after the Social Security reimbursement. As for private sector employees, they are covered by a company health insurance plan.
You will need to make an assessment before you can subscribe to a health insurance plan. After obtaining quotes, you can subscribe to your complementary health insurance. You can take the necessary steps with the insurers who will establish your quotes.
However, you will lose a lot of time. Moreover, most insurers do not provide online quote simulators. You must then go physically to the insurance company.
In addition, it is possible to simulate several quotes with the help of an insurance broker. These "classic" brokers often charge for this service. The ideal solution for your quotes is therefore to make a quote directly on the website of the French mutual insurance company. If you go through a broker, make sure that he will not charge you for his service as he is directly paid by the insurer.
Once you get the quotes, the procedure for subscribing to a complementary health insurance is generally the same for all providers (insurance company, mutual insurance companies, service providers), unless it is a high-end contract.
You may be asked to complete a medical questionnaire. If so, you will be asked to fill out your full name, contact information, beneficiary information, plan and social security number. In addition to this information, you will be asked to provide proof that your previous health insurance was cancelled.
Here are the different types of health insurance that are available for different people depending on their professional status or age.
An individual mutual insurance can be for a civil servant, an elderly person (reaching retirement age) or a person with a very low income. The individual will be insured according to his/her professional status. In other words, the conditions to benefit from such a mutual insurance differ from one individual to another. For example, to be able to benefit from a civil servant mutual insurance, it is necessary to work in the civil service. There are also companies that offer this type of insurance at an advantageous price.
When an employer concludes a group agreement in the interest of its employees, the contribution can be extended to the benefit of the members of the employee's family. Family health mutuals are health mutuals that cover care: of the father, the mother, the elder... This means that the different people in a family are members of the same mutual insurance company. The advantage is that the costs per person are lower, so beneficiaries can save a lot of money.
After graduating from high school, all students must enter the Social Security system through the student mutual insurance company. In this way, the organization will partially cover medical expenses. This is a mutual insurance company, which differs from others in that it offers two types of benefits to students: optional and mandatory. The first one offers a complementary health insurance that allows the student to get a better coverage. The second requires the subject to join the Social Security system.
The amount covered by the complementary health insurance or mutual insurance depends on the medical contract concluded.
The mutual health insurance offers a complementary health insurance. Depending on the level of coverage you want, when you sign a contract with a mutual insurance company, you will be reimbursed for the cost of medical care in addition to that paid by the Social Security. The organization can also compensate for procedures not covered by the Social Security, such as osteopathy sessions and other alternative medicine. However, Social Security, with its 76% share of reimbursement, is the major player in the UK.
Health insurance is a system designed to insure an individual in the event of illness. It reduces the financial risks associated with medical care. The protection comes into play especially when your health condition does not allow you to work as usual. Faced with a minimum income, in almost all Western countries, medical insurance remains accessible because it is largely financed by the state. Nevertheless, its guarantees are not sufficient to cover all your health expenses.
As not all medical expenses can be reimbursed through the health insurance system, a complementary health insurance is certainly necessary. The mutual insurance company can cover totally (or partially) the costs of treatment that remain at your expense (dental, optical expenses...).
Health insurance companies are governed by the Insurance Code and mutual insurance companies by the Mutual Code.
One contract for the whole family
To save money on your health coverage, it's smart to choose a family health insurance plan and bundle it into a single contract.
Network of partners
To
access the best rates, you can subscribe to a mutual insurance company that offers a network of partners.
Managing your medical needs
It'
s important to do the right thing for your needs. For example, you can do without services that are not essential and avoid consultations with extra fees.
Take advantage of exceptional offers
You
can offer yourself a few months of free membership, after you have researched the offers. To reduce the risks and limit the charges, do not hesitate to take advantage of a bonus that you can carry forward year after year.
Find a customized offer
It
is highly recommended to favor specialized sites that allow you to indicate your medical needs and that deliver a personalized offer. If possible, fill in your degree of need for optical, dental, hospitalization and routine care.
The best health insurance depends on your needs and your budget. Read our buying guide to find out which products are the best.
A 100% social security coverage is linked to an illness or a long-term condition, and only for this reason. For any other health problem, mutual health insurance coverage is still necessary to complement the social security coverage, which will be based on normal compensation.
If you are having problems paying your health insurance premiums, contact your agency quickly to find a solution.
The fixed responsibility rate was established in September 2003 to encourage the development of generic drugs. It is a reference tariff set by the health insurance system and corresponds to the lowest price of a generic drug.
As there are so many health insurance companies, it is necessary to refer to an online comparison. We have compiled a list of the best offers for you.
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