What Is Health Insurance?
HEALTH INSURANCE
Health insurance comes into play as soon as a contract between two parties, an insurer and an insured, whereby the insured pays the insurer a sum in exchange for guarantees of financial coverage (for example, health coverage, provident insurance contract, etc.), is concluded.
Health insurance and mutual health insurance are terms used generically today, but they are not synonymous. Indeed, if insurance and mutual have the same business (reimbursement of health costs), the form of the company, the relationship with the insured and the contribution system differ.
Health insurance is a private company, governed by the Insurance Code. Its clients (the insured) cannot intervene in the decision-making process of the managers. In addition, the amount of contributions generally depends on the insured’s “medical consumption”, which is why insurance generally requires filling out a health questionnaire;
Avenir Mutuelle, as our name suggests, is a mutual health organization: our members play a role in the decisions taken by our united society, and our contracts are not subject to a medical questionnaire. To find out more, do not hesitate to contact our advisers.
A Mutual For Who?
Individual mutual
Family mutual
Senior mutual
Mutual company
Independent mutual
A Mutual For What?
Cheap mutual
Reimbursement of dental expenses
Reimbursement of optical costs
Reimbursement of homeopathic care
Fee overrun
Most Frequently Asked Questions
What is supplementary health insurance?
Complementary health insurance is a contract which aims to cover all or part of the health expenses relating to sickness, accident and maternity, not covered by compulsory health insurance.
What is the difference between mutual health insurance and complementary health insurance?
The mutual company operates on a principle of solidarity between its members while a complementary health insurance is part of the offers of an insurance company, which can also offer other services for housing and cars, for example.
Why have health insurance?
Health insurance is a device responsible for insuring an individual against the financial risks of care in the event of illness, as well as a minimum income when the illness deprives the person of work. In most Western countries, a large part of health insurance is paid for by the state.
How do I know if I have complementary health insurance?
Following your social security number and the mention of the opening of your rights, the name and code of your primary health insurance fund will appear. The following mention, called “Your complementary organization”, in fact designates your mutual insurance company.
What is my complementary health?
Complementary health insurance is a health insurance contract aimed at supplementing the benefits of compulsory schemes. Complementary health or health insurance can be offered by different types of insurers: Public limited companies and mutual insurance companies.
Is it necessary to have a mutual?
Complementary health i
nsurance will be compulsory for all employees from January 2015. But for all others (unemployed, retirees, young people, etc.), mutual insurance remains a strictly individual affair and above all more and more expensive, to such an extent that some give up.
