The prices of complementary health insurance are increasing, and it is often at this time that contracts are renewed. How to pay the right price. Advice from Fanny Guinochet.
franceinfo: How to negotiate these contracts well to avoid paying too much?
Fanny Guinochet: Already look now at his contract, because it is often at this period of the end of the year that contracts are renewed and that we can negotiate prices. The first thing to do is to list your situation and especially your future needs, for families. Are you going to have to hire orthodontist treatment for the youngest? And the glasses, isn’t it next year that you will have to change them, or undergo a minor surgery?
The idea, too, is to track down refunds you don’t need, which means reviewing the line items in your contract. You are no longer of childbearing age, no need for maternity care, etc. Once you have everything listed, compare, ask for quotes. There are free comparators online.
Knowing that you can terminate your contract at any time?
Yes, you do not need proof, and it is free of charge provided that your contract is at least one year old, you are no longer captive to tacit renewal, and you can compete. Find out according to your profile, some mutuals specialize in specific contracts for young people, seniors, etc.
And then, if you work in the private sector, even part-time, you are often obliged to take your company’s complementary health insurance, the employer pays part of it, which reduces the bill. And in the event of dismissal, you should normally be able to maintain this additional business 6 months after leaving the company. For low incomes, there are also complementary health insurance. But today, it is estimated that more than 2.5 million French people are not covered.
Can we negotiate?
Always if you stay in the same complementary, do not hesitate to assert that you have been a loyal customer for many years. If you change shop, try to go there by being sponsored, it’s always better. To do this, it takes a little time, but do not hesitate to ask to discuss with experts to find out your real health coverage.