Right health insurance: when you are self-employed

By Flinston
5 Min Read

Right health insurance: Employees have been able to benefit from corporate mutual insurance under the ANI legislation from January 1, 2016. However, the self-employed have the option of subscribing to individual supplemental health insurance on their own account via the TNS (Non-Salaried Workers) mutual fund. And, in order to prevent unpleasant shocks, a few criteria must be met in order to make the appropriate decision…

Use an online comparator

Right health insurance: To begin, THE BEST PRACTICE that may save you time is to utilise specialist mutual insurance comparators for self-employed individuals, such as Hyperassur or a health insurance broker. They will save you the time and effort of visiting each insurer’s website. And, given their abundance, using this sort of high-performance methods has a significant benefit. After you’ve established your criteria, the mutual insurance comparators will rapidly provide a summary table that groups together diverse findings. Among them, we often discover the most comprehensive or even the least priced services advertised.

The balance tariffs and refunds

Right health insurance: To make your TNS (Non-Salaried Worker) mutual insurance a true benefit for you and your business, the rate should not be the only factor to consider. The kind of service covered or the degree of reimbursement is also an important consideration when choosing a mutual health insurance. Although this should not be taken at face value, the greater the price, the more effective the protection. And, although the laws merely set minimums and maximums, the alternatives are extensive and need particular consideration. The reimbursement threshold, for example, is one of the criteria to be examined.

Understand the offer thoroughly

Right health insurance: Once you’ve decided on your supplemental health insurance, it’s a good idea to write down the reasons for your decision based on your important criteria. Without generating an extensive list of all the aspects, transcribing the so-called important ones, such as reimbursement of specialist physicians and their deadlines, expenses, the growth of third-party payment, or the healthcare network, will enable you to affirm or invalidate your choice. It is worth noting that ophthalmology, dental reimbursement, and hospitalisation insurance are sometimes overlooked criterion.

Reimbursement conditions

Right health insurance: The amount of compensation varies according to the insurer. Neither is the method in which one expresses oneself. Some will talk in terms of a percentage of the Social Security cap (for example, 200 percent), whilst others will give lump-sum refunds (for example, €100). If the base is poor, a percentage refund may out to be a disastrous operation.

Discovering health mutuals that provide third-party payment is another alternative not to be overlooked. As a result, you may be excluded from having to advance the cash in the case of a consultation or drug purchase.

Waiting and payback durations are important factors to consider. Some contracts have a waiting period, which means you won’t be able to receive all of the benefits, such as payment for specific dental prosthesis, for a certain amount of time.

Read more: Advantages of life insurance: The main advantages of life insurance

Competition as a solution

Right health insurance: Remember, just like when negotiating with your bank, that competition frequently provides a chance to negotiate the greatest prices for the finest levels of reimbursement. In this way, using mutual insurance comparators saves you time by not requiring you to compare all of the available data. You may also engage an insurance broker or agent at this point to assist you in finding the best offer.

The responsible contract, a safety label

Right health insurance: In France, the responsible contract is a requirement in the realm of supplemental health insurance. It is also critical to ensure that the contract of your choosing has this label, since your mutual health insurance company will be required to provide you with the treatments designated mandatory. The goal of a responsible contract is to give each insured party with at least minimum protection while not abdicating their duties. In other words, some services will continue to be provided at his cost. These mutuals are more tightly controlled than the others by the rules, and they agree to follow a “basket of care.” The latter, as specified by the government, contains minimum and/or maximum payments in order to comply with the legislation.