It is a fact that the cost of mutual health insurance has increased, but it is out of the question to deprive yourself of care. In order to cope with this increase without finding yourself in difficulty of payment, a few solutions are possible to save on the price of your complementary health insurance.
Compare the different mutuals
The price of mutuals varies from one insurer to another. In this context, using an online insurance comparator is essential to obtain a mutual insurance quote. Meeting on lecomparateurassurance.com, free and non-binding service, in order to make sure that the complementary one that interests you has the most interesting offers on the market but also to take note of the list of the most advantageous formulas.
Take advantage of “new customers” discounts
To attract new customers, mutual health insurance often offer attractive prices and offers. Their objective ? Retain their customers. Good practice naturally encouraging policyholders to change their complementary health insurance. Note that since December 1, 2020, the infra-annual termination of health contracts is permitted from the 1st anniversary of the contract. So let’s jump at the chance! How to do ? It’s very simple: a registered letter or an email will allow you to easily terminate your old contract.
Track down unnecessary guarantees
From year to year, your needs change. It may then be interesting to sift through the different guarantees in your contracts. Avoid multiplying contracts that you can easily do without. Indeed, health insurance contracts are presented in the form of formulas with various levels of guarantees. Thus, your contract may impose substantial reimbursements on your dental care, optical care or hospitalization. All these guarantees, often unused, drive up the bill. Do not hesitate to hunt for superfluous clauses if they are not in line with your habits of consumption of medical care and, thus, direct you towards so-called “low cost” mutuals offering the most attractive guarantees.
Take full advantage of your guarantees
If you have not yet reached the end of your insurance contract, this is not inevitable. Take advantage, on the contrary, to make the most of all your current guarantees. Haven’t had a full health check-up for some time? It’s time ! Before switching to a slightly smaller contract, make an appointment with your specialists to make sure that you are in good health. Certain organizations also include in their clauses offers of sports coaching, consultation with a nutritionist or a tobacco specialist, gym membership… In short, take advantage of all these little extras to make your contract a little more profitable.
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