Mutual health insurance, for better coverage of basic care

Mutual health insurance refers to an insurance contract whose role is to cover all or part of the costs not covered by health insurance.

When you have to pay health expenses, the mutual health insurance or supplementary health insurance gives you a much larger reimbursement. This refund helps you bear the moderation ticket (remains payable after intervention by Secu) and excess fees more easily. However, the nature of the care to be reimbursed and the amount of reimbursement depend on the guarantees in the supplementary health contract that you have taken out.

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you can compare mutual health insurance policies with a few clicks to customize your contract.

Reimbursement of non-conventional care through supplementary health insurance

To understand mutual health and how it works, it is already necessary to understand health insurance. Since its establishment in 1945, the health insurance offered by Sécu has been based on the principles of solidarity, equal access to care and quality of care. According to these principles, health insurance only reimburses part of the costs of classic or conventional care procedures. Although this list evolves regularly, many procedures are not supported at all.

The compulsory health insurance is for everyone who works or resides in France for an extended period. Since 1 January 2016, it has been offered by the social security system in the form of universal health protection. However, it only partially covers the costs of certain procedures. Here are some examples :

• consultation by a professional practitioner or a medical assistant is reimbursed at 70% and 60% respectively;
• laboratory tests are reimbursed at 60 or 70% (except for serological screening, reimbursed at 100%);
• the drug reimbursement rate varies between 30 and 65% (except for rare and expensive drugs, reimbursed at 100%).

It should also be noted that these refund rates apply to the base rates. However, the actual rates are systematically higher than these reimbursement bases.

The mutual health insurance, which plays the role of a complementary health insurance, takes over to reimburse you, in whole or in part, for the expenses you have for less frequent medical treatments. Hearing aids or dental medicines are among the actions that are not reimbursed by social security, but can be covered via your mutual insurance agreement. The same goes for optical care, for rhinoplasty or mammoplasty, or even for non-conventional medical procedures (reflexology, acupuncture, etc.).

Get a supplementary health insurance agreement that is tailored to your profile

According to the principle of equality, health insurance makes little difference between the profiles of the insured. However, it is undeniable that the health needs cannot be the same. The use of mutual insurance is therefore extremely useful to help you obtain reimbursements specific to your situation.

Insurance companies, mutual insurance companies and pension institutions are the main organizations that offer mutual health contracts. From one insurance organization to another and depending on your profile, you have the option of taking out family mutual insurance, student insurance, senior mutual insurance or young active mutual insurance. The supplementary health contract is adapted to the types of care that you consider useful for you and in relation to the level of reimbursement you seek.

In addition to the technical aspect strictly related to health, taking out mutual health insurance also contributes to the stability of your finances. When an illness occurs, the supplementary health insurance allows you to cover health expenses with complete peace of mind, without it affecting your finances.