Supplementary Health Insurance (Mutuelle): Who Qualifies and What You Get
Learn how this insurance covers the costs that basic state health insurance leaves behind, such as dental and optical expenses.
Supplementary health insurance is a private plan used to cover medical expenses that are not fully paid for by the state health system.
Who it's for
This is for any individual who needs coverage for medical costs that go beyond what the basic state health insurance provides.
What you get
This insurance helps pay for costs related to dental care, optical care, and hospital stays. It helps reduce your "reste à charge," which is the amount of money you are left paying out of your own pocket after state reimbursement.
What it costs you
You pay a monthly premium to keep the coverage active. The amount you pay depends on your age and the specific level of coverage you choose.
The catch to know
When looking for a plan, you should check if a contract specifically covers "artisans." Choosing one designed for this group can often lead to better rates.
How to apply
- Compare different plans from various private insurance providers.
- Check the coverage levels for dental, optical, and hospital needs.
- Select a provider and sign up for a contract.