Then just to see the offer you have selected

Unnecessary move, today, there are many thing on the Internet. Comparator product sites, which are Flores in health insurance, to get a first good opinion. Then, just to see the offer you have selected. For more security, a small tour in your banker or the insurer or the mutual which are at the bottom of your home is required. Once you have a beautiful palette of offers, it will have to compare them. If you can not, it's absolutely... normal: not a contract is identical to the other. Worse, insurance agencies do not use all the same jargon to define the amount of the guarantees. Rest assured, the objective is not to find the best contract, but the best match to your needs and your means. How "In doing the sorting between basic needs and accessories", according to Jacky square, Director technical health to the Macif.

Understand how the social security system reimburses you

For information on what you need to focus, you must already determine how you will be reimbursed by the social security (it is described on the Medicare website, , in the insured). Reading is not automatic and a small gym is required. The social security system first defines a convention rate (22 euros for example for a consultation among the general practitioner) or the basis of acts to free fees rebate. But, it is then that reimburses part of these amounts. For the generalist, for example, it applies a rate of 70 the convention rate and therefore reimbursed 14.40 EUR (70 of 22 euros, less the 1 euro legal it is prohibited to repay). The balance (7.6 euros), which remains dependent on you or your mutual, is called co-payment (see example page 3).

The extent of the guarantee of the insurer

It is the reimbursement of the social security insurance agencies will set the amount of their guarantees. Unfortunately, none of them is expressed in the same way.

Your consultation in the GP will be refunded 100 of co-payments (TM) in the first, 100 of the convention (TC) in the second, 100 refund (BR) in the third, to a lump sum amount in euros in the fourth, or a combination of these different forms in the last...! How get out It should be first not to be impressed by the announcement of support for 100 per cent (of the TM or TC or BR): This means that mutual repay you, but always within the limits of the tariff of the social security system, often much less than the actual expenditure. For a consultation among the generalist at 22 euros (convention rate), reimbursement is maximum, but for a number of other positions, such as optics, the dental or consultations among some experts, this does not cover all of the committed amounts.

Beware also guarantees that appear bold: If the social security system reimburses that a few euros on certain benefits, the fact to be paid 500 of its tariff by your supplemental, you not progresses to much (see next page for optics for example).

Define your needs...

"Several parameters must be taken into account in the choice of your complementary health: your family structure, your medical consumption habits and your dwelling place", said Isabelle Richer-Couenon, head of health and welfare in AXA France market. The family first medical consumption patterns. Do you wear glasses, you regularly go the dentist you need dentures or orthodontic your young teen, see you regularly medical specialists (pediatrician, for example, for your children) or just the general practitioner Once you have answered all these questions is to know the pricing practices of the people you usually see. If they routinely charge an excess of fees, you will have interest to choose a contract that guarantees wider medical consultations. No need to specify that in the Paris region most medical specialists practice exceedances of fees. Therefore, taken into account in the choice of your coverage.

... and your priorities

"According to a study that we have with our customers, they are interested in priority positions, optical and dental, hospital or those who are less well paid by social security and therefore more expensive for them", explained Yves Poquet, responsible for the branch of health to the MAAF. Schematically, it can divide a complementary health in three large blocks: routine care (consultations, pharmacy, x-rays, laboratory fees, etc.), hospitalization and all what is equipment and prostheses (optical, dental, hearing, etc.). Needless to screen all of your contract. You focus on the essential guarantees in each of these blocks. Unsurprisingly, the broader coverages will be also the most expensive. It is you to arbitrate between different forms of guarantee based on the price you are willing to pay.