Supplementary health insurance in 3 questions

health mutual
supplementary health insurance

Supplementary health insurance in 3 questions

The "Mutuelle santé", also known as "complementary health insurance", is an insurance contract that supplements the basic covers health insurance.

1. What is the purpose of this insurance?

The purpose of complementary health insurance is to reimburse all or part of the costs not reimbursed by the country's "health insurance" system (whether or not it exists), whether these costs are related to illness, accident or maternity.

Secondly, this insurance covers the extra fees often charged by health professionals: consultation visits, hospitalisation, optics, isolated rooms, etc.

A good mutual insurance contract can even reimburse you for services that are not covered by the national health insurance system, such as alternative medicine, certain drugs or vaccines.

Finally, a mutual insurance company also provides additional services, such as health prevention, social action, personal follow-up, etc.

2. Can I have supplementary health insurance if I live abroad?

The (French) " Assurance Maladie " does not cover health expenses abroad because after 3 months spent outside of France, the insured person loses his/her rights to health coverage, unless he/she is a seconded worker.

The health system in your host country will certainly be different from that in France and medical services can be very expensive. You are never safe from an unforeseen event, an accident or an illness that may require a consultation or hospitalisation or even emergency repatriation. It is therefore strongly recommended that you take out an " International Health Insurance" to cover your medical expenses.

3. How do I apply for an "International Health Insurance" contract?

The international health insurance contract will not be the same for everyone. There are several solutions because each situation is different. In order to choose the right policy for you, it is advisable to compare several plans and insurance companies. VALORAMA offers International Health Insurance for expatriates and for people with international careers living outside their country of birth. To get a competitive quote, you can complete this online quote form and one of our advisors will contact you as soon as possible.