Do you no longer want your glasses or contact lenses and do you want to do without them? So you want to practice a refractive surgery, but you know that this type of surgery is not well supported by social security. So you are looking for the best mutual refractive surgery.
In this article, we will explain how this mutual insurance works.
Is it necessary to opt for refractive surgery mutual insurance?
refractive surgery is a surgical operation that aims to improve a person’s optical vision and allow them to do without optical correction (glasses or contact lenses). Social Security considers that refractive surgery is not a necessity and that people having recourse to it do it for comfort, then, refractive surgery is not covered. This is why it is essential to take out additional insurance if you want to perform refractive surgery.
What does refractive surgery insurance cover?
The mutual can cover refractive surgery. However, this is not always the case, it mainly depends on the formula to which you subscribe. If you take the economic formula, then the mutual will not support your refractive surgery. If you subscribe to a superior formula, you will be entitled to a partial support. Mutuals do not allow full reimbursement for refractive surgery, but it is still much better than being satisfied with social security, which does not cover this surgery.
Depending on the mutuals and what they have to offer, you may have different reimbursement rates. To find out more, read the contract that explains the guarantees. Generally, you have access to a table that displays the reimbursement amount according to the formulas. To be sure of making the right choice, you must compare the offers of several mutuals and choose the one that suits you best.
How to choose the best mutual refractive surgery?
As said above, there is no refund amount fixed. The latter depends entirely on the offer of the mutual insurance company to which you subscribe. This is why it is very important to make the right choice. To do this, you have to compare different support offers.
Some mutual insurance organizations determine the reimbursement rate according to the Monthly Social Security Ceiling (PMSS) which is €3,428 in 2022. Here is an example of the reimbursement rates set by a mutual insurance company according to the level of the formula.
- Level 1: 0%;
- Level 2: 8% PMSS per eye;
- Level 3: 12% PMSS per eye;
- Level 4: 16% PMSS per eye;
- Level 5: 25% PMSS per eye.
Knowing that them refractive surgery costs cost between €1,500 and €3,000, if you are subscribed to level 5, the mutual insurance company can reimburse you up to €1,714 for your two eyes. It’s up to you to do the math and determine if mutual insurance coverage is worthwhile.
However, do not forget that it is not wise to choose the mutual according to a single need only. So we advise you to carefully study the offer as a whole before you decide.
The ranking of the best refractive surgery mutuals in 2022
We offer you a classification of 5 best mutual funds for refractive surgery in 2022 :
| The mutual | The redemption price |
| Apivia | 800 € |
| April | 600 € |
| Néoliane | 600 € |
| Alptis | 600 € |
| Cegema | 600 € |
You can ask for different quotes to have all the details concerning the various mutuals, and thus, you will be able to decide by having all the information.