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 expenses Rarity. The level of care varies according to the contract. 
Each insurance company proposing this type of coverage offers different levels of coverage and various guarantees , so the coverage by the health insurance depends on the contract taken out.

The rate of health insurance also depends on the level of cover and the guarantees taken out. Overall, the more comprehensive the health insurance and the better the insured, the higher the risk. To hope to buy health insurance at the best value for money, it is necessary to carry out a comparison of health insurance on the Internet.

Health insurance is thus distinguished from daily allowances and disability pensions rather managed by provident type of insurance policy that complements his side financial losses due to a health problem.