5 reasons to take out mutual insurance and improve your health coverage

When it involves taking good care of your health, comprehensive health coverage is crucial. In France, if the social security system constitutes a solid basis, the acquisition of mutual insurance means that you can extend and personalize your medical protection based on your specific needs.

In this text, we’ll explore the numerous advantages of mutual insurance. From expanding coverage to personalized medical services, we’ll explain to you ways acquiring one of these additional insurance can have a serious impact in your quality of life and that of your family members.

What is it and what’s the target of acquiring a mutual card?

In easy terms, a mutual is a corporation that provides complementary medical health insurance. This is a form of private contract that enables individuals to enhance the coverage offered by the French social security system. Deciding to take out mutual insurance can bring you the next benefits.

1. Access to a wide selection of medical services

One of the primary benefits of mutual insurance is that it allows broader access to health services that will not be covered by the general public social security system. This might be crucial on your well-being and that of your relations. This expanded medical coverage means that you can profit from:

• Specialist consultations: the mutual can cover consultations with specialist doctors (optometrists, dentists, cardiologists, dermatologists, gynecologists, amongst others), which means that you can receive specific medical care based on your needs.
• Specialized medical examinations: many medical examinations and tests are usually not covered by social security. But medical health insurance can give you coverage for these procedures and provide you with access to accurate diagnoses and appropriate treatments.
• Alternative therapies and coverings: Purchasing medical health insurance can can help you profit from treatment options that may profit your health and well-being. For example, physiotherapy, osteopathy or acupuncture.
• Prescription medications: Some medications may incur additional costs that are usually not fully covered by social security, but mutual insurance can assist you cover some or all of those costs.
• Dental and optical care: mutual insurance can even cover dental care, equivalent to cleanings, fillings and coverings orthodontic. It also covers expenses related to lenses and glasses, which will not be included in basic coverage.

2. Reduction in personal medical costs

Although the French social security system provides basic coverage, many individuals may face additional costs, equivalent to co-payments, dental care and prescription medications.

With mutual insurance, these fees might be reduced and even eliminated in certain cases. Such a policy can cover a significant slice of the co-payment, provide reimbursement for dental and medicine costs, and offer coverage for specialty treatments. This helps ease the financial burden of non-public healthcare.

3. Flexibility in selecting healthcare providers

Another significant advantage of acquiring a mutual insurance company is the benefit it offers its users to decide on the health establishment of their selection. This helps ensure access to high-quality medical care that most accurately fits individual needs and preferences.

Unlike the general public social security system, which is commonly limited when it comes to health care providers, a mutual insurance company allows policyholders to freely select their doctors, specialists and hospitals. [1]

4. Additional support in critical medical situations

Health insurance firms often offer extensive coverage for critical medical situations, equivalent to serious illnesses or accidents, which may cause significant medical expenses and emotional stress.

This additional coverage allows patients and their families not to fret in regards to the costs of prolonged hospitalizationspecialized treatment, home care, medical transportation and palliative care services.

5. Promotion of preventive health

Purchasing medical health insurance not only means additional coverage for medical services, but in addition promotes holistic well-being. Indeed, mutual societies often offer programs and services intended to advertise healthy lifestyles.

These may include regular medical check-ups, immunization programs, dietary counseling, exercise sessions and other wellness services. By promoting preventive health, mutual insurance firms help policyholders to remain in good health and prevent illnesses before they turn into serious problems.

Consider taking out mutual insurance on your health

If you’ve got the chance to enhance your basic health coverage and access the advantages of mutual insurance, don’t think twice. It’s an investment in your health and well-being that is price considering. Educate yourself and select your options with full knowledge of the facts additional insurance that best fit your needs and budget.