Understand before choosing
A review centred on your circumstances.
Policies mainly differ in reimbursement levels, enhanced benefits, limits, waiting periods and included services.
Understanding reimbursements
Benefits may be expressed as a percentage of the French statutory reimbursement basis, as fixed euro amounts or under other policy formulas. It is important to distinguish what statutory health insurance pays from the amount added by the supplementary insurer.
The benefits worth checking first
Hospital care, routine treatment, excess medical fees, dental care, optical care, hearing care and prevention benefits are among the items most often compared. Cover should be matched to your actual healthcare needs rather than judged only by an overall benefit level.
Individual policy or group scheme
Supplementary health cover may be taken out individually or through a group scheme. Private-sector employees should first review the cover offered by their employer and any statutory grounds for exemption.
Compare the whole policy.
Price only makes sense alongside cover, deductibles, limits, exclusions and conditions. We collect the relevant information and present available solutions without promising cover that is not provided by the policy terms.
Questions
The essentials.
Is individual supplementary health insurance compulsory? +
No. Individual supplementary health insurance is optional. It can reimburse all or part of eligible costs left after statutory health-insurance reimbursement, according to the policy.
Why compare benefit tables? +
Two policies at a similar price can provide very different reimbursement levels, limits, waiting periods and services across different types of care.
Useful references
Further information.
The general rules presented on this page are based on French public sources. The cover applicable to your case remains the cover stated in the proposed policy.