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Vocabulary of health insurance to be known

Definition of convention tariff This is the rate set by the Social Security to calculate the reimbursement of the fees and care provided by practitioners and medical auxiliaries subject to a national convention. For example, consultation with a general practitioner who complies with the convention rate (sector 1) costs 22 €. Social Security pays 70% of this tariff, ie 14.40 €. Definition of authority tariff Some doctors have not signed an agreement with the Social Security (sector 3) and practice a free fee. The Social Security calculates its reimbursement on the basis of a very symbolic tariff: it is the tariff of authority . For example, for a consultation with a general practitioner (sector 3) in Paris, the tariff of authority is 0.61 €. Definition of user fee The co-payment represents the difference between 100% of the convention rate and the rate applied by the Social Security on this tariff . This amount may be refunded in full or in part by your health i

Compare different health insurance offers

Faced with the increase in the number of deductions, you have decided to take out health insurance . Here is a wise decision! However, it is important to note that, at the time of making the right choice, there will be a number of factors that are sufficiently essential to vary the amount of your insurance premium . Factors that affect the amount of your premium With criteria that vary from one individual to another, it is not necessarily evident to set out guidelines when discussing the factors taken into account by the insurer in determining the amount of Health insurance premium. However, it is possible to mention the following factors that will influence the amount of your premium: your age Your social system The profession that is yours The level of guarantees you have chosen The number of beneficiaries of your insurance It should be noted that taking into account these factors specific to the insured will undergo a major upheaval on December 21,

Analyze your health insurance needs

The health insurance has become indispensable in daily life. Whether you live alone, in a couple, or with children, consultations with a general practitioner or a specialist are more or less frequent and depend not only on your age but also on your lifestyle , and of course your State of health ! So being supported by a complementary one is beneficial! Explanations. If Social Security pays a large portion of your health expenses, it does not necessarily reimburse you for all care. So you have a share of your own . This may be more or less high. So to get better coverage, go for health insurance . Define your health needs This is modular. Depending on your needs, you can choose the appropriate formula . The difficulty, precisely, is to determine these famous needs. To help you, if you use an insurance comparator , you can fill out a form. This one asks you the "right" questions so that you can make a choice that correspond to different crit

Why should you take out health insurance?

Purchase health insurance may be necessary in some cases. It is true that the Health Insurance system pays a large part of the healthcare costs, but it remains for a lot of care, a part to you . And this should be all the more frequent as Social Security will begin to pay back less and less medicines and care. So it's good to have a good complementary health! Health insurance takes care of the difference Indeed, health insurance guarantees you the payment of the difference between what is reimbursed by the Social Security and what you pay . This difference can be minimal as immense. Fee overruns are commonplace as soon as you go to a specialist, for example. Health insurance adapted to your needs But health insurance is also the ability to predict your needs. Because good insurance is the one that takes into account your profile. An insurance comparator allows you to clearly identify your needs through a form . It takes you a few minutes to define whe

Definition of health insurance

A health insurance is part of what is more generally called complementary health . These include health insurance, mutual insurance companies and pension funds. Unlike the other two, health insurance is governed by the Insurance Code which defines all the regulations governing insurance companies and the relationship between them and their customers, the insured. It differs from the Code de la Mutualité on several points, notably on the commercial aspect: insurance companies are for-profit commercial companies. The role of health insurance is to supplement reimbursements of healthcare costs not covered by the compulsory social security scheme. The purchase of health insurance is not compulsory, but it is highly recommended in order to avoid bad financial surprises related to a health problem. As its name suggests, the health insurance supports health expenses such as doctor visits, hospitalization, optical expenses or dentistry (dental) or certain types of expen