L'
supplementary health insurance has undergone a great metamorphosis since the
1er January 2016 and the entry into force of the
ANI law. Thus, in order to improve the
policyholder coverage, THE
supplementary health supplements saw the light of day. But, what exactly is a
additional health supplement and what is it for? We explain it to you in detail in this article. \n
What is the principle of supplementary health insurance?
\nAfter intervention of the
Social security and the
supplementary company health, the patient may still have fees to pay. There
additional health supplement therefore serves as a guarantee to cover these additional costs borne by the patient. \n\nIndeed, when an employee becomes ill, his or her
health costs are first of all covered by Social Security. Of course, within the limit of the percentage which is applicable within the framework of the
liability rate. Secondly, the part which remains the responsibility of
the social security person is directly reimbursed by the
compulsory complementary health contract of the company. This reimbursement is calculated based on the limit of the guarantees provided for in the said contract. \n\nIf these reimbursements are not enough to cover all health costs, the patient must then pay the remaining amounts. This is often the case with excess fees, or even hospitalization in non-approved establishments, but also in the context of fitting dental and hearing prostheses and optical costs. It is at this moment that the
additional health supplement. If you have taken out a contract, it will cover the remaining health costs so that you do not have to pay anything. \n\nAlso read:
Are online banks really cheaper?\r\n
Why does supplementary health insurance exist?
\nBefore the implementation of the ANI law, the employee was completely free to subscribe or not to a supplementary health insurance contract. He was also free to choose his level of coverage by opting for the formula best suited to his needs but also to his budget. \n\nSince the introduction of the ANI law, things have changed significantly. Indeed, employers now have the obligation to provide their employees with
supplementary collective health contract subscribed by the company and with compulsory membership. This
health coverage is financed by both employers and employees, even if employers must take responsibility for
50% of contributions. Of course, this contract must offer a minimum basket of guarantees, even if it is possible to add other guarantees. \n\nThis law enabled a large number of employees to finally benefit from complementary health insurance. In addition, all employees pay less for their complementary health insurance since 50% are covered by their employer. However, this has unfortunately also reduced the guarantees to which they may be entitled. Thanks to a
additional health supplement, it is therefore possible to be reimbursed in full for health costs. \n\nAlso read:
License plates: the new trends\r\n
Avenir Mutuelle: your additional health supplement
\nIf you wish to benefit from a
additional health supplement who knows how to meet all your needs,
Future Mutual is made for you. This
supermutual has the big advantage of being able to be established according to your expectations in order to be completely adapted to your budget. Indeed, thanks to this
additional health supplement, reimbursements for your health expenses will be increased, while benefiting from a lower out-of-pocket cost and without any waiting period. \n\nThis supplementary health supplement can therefore be useful to you in many cases, such as for the care of your
dental costs or hearing or even your
hospitalization costs. But that’s not all, Avenir Mutuelle also takes care of the training sessions.
osteopathy, of some
alternative medicine and of
wellness therapies. \n\nThus, you will benefit from numerous advantages by subscribing to this
additional health supplement. Your reimbursements will be directly accessible online 24 hours a day, without forgetting a lower out-of-pocket cost and much more comprehensive health coverage. In addition, you will not have to complete any medical examination or medical questionnaire in order to be able to subscribe to the offer that interests you. While taking care of your budget, you will therefore strengthen your health coverage thanks to plans totally adapted to your needs. \n\nAlso read:
Real estate credit in 2021: will rates increase with the crisis?\n
