2023-07-04 15:57:44
Use online health insurance comparators
Using an online health insurance comparison tool is a great way to save money. Often, online insurance offers an attractive price/quality ratio. The prices of mutual health insurance vary from one insurer to another, as do the services offered and the fee schedules applied. It is therefore useful to use this method. To do this, simply fill out a form with your profile and the guarantees you would like to subscribe to. These are your personal and professional situation, the number of people you wish to insure, the desired level of protection and the level of reimbursement. This personalized and free quote will allow you to find the insurer that suits you, both in terms of cost and guarantees. The tool will provide you with a summary of the health supplements that best suit your needs. Online comparators represent a considerable time saver. Some mutuals even offer welcome offers that look like promotions when subscribing online.
Adjust your contract by removing unnecessary guarantees
Mutual health insurance allows policyholders to enjoy broad coverage and reimbursements in several health sectors. The insured do not express the same needs. Such service will be considered essential by a particular insured and superfluous by another. This is why it is essential to reduce, or even cancel, some of them. This deletion will have an impact on the cost of your health insurance. On the contrary, you can request the increase of a guarantee in order to obtain more substantial reimbursements. The objective is to adjust your guarantees according to your needs. It should be noted that certain health posts are to be prioritized. This is the case for the payment of hospitalization or the reimbursement of medicines which constitute lesser services in terms of cost, unlike the optical and dental sectors which are often expensive. If you have no particular concerns in relation to these two areas, it is preferable to opt for a low reimbursement rate or to terminate these guarantees.
Do not hesitate to play the competition
The UFC-Que Choisir has noted an increase in contributions from mutual health insurance up to 7%. The association also accused insurers of offering relatively vague guarantees. In recent years, policyholders have been encouraged to compete and to implement their desire to terminate their mutual health insurance at any time. Two types of organizations are to be dissociated. There are those who assert their notoriety by betting on campaigns to attract and retain policyholders and those who prefer discretion. The latter stand out in particular for their affordable guarantees. The competition between these health professionals being increased, you have a wide choice of complementary health. Many insurers set up promotional campaigns to attract ever more potential customers. These usually take place at the start of the school year. You can then expect free membership for the first three months or a reduction in your contributions for the first year.
There are a multitude of tricks that help to make substantial savings on mutual health insurance. Comparing complementary health insurance online or taking stock of your guarantees are effective and proven strategies.
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