Since December 2020, it is possible to terminate her complementary health insurance at any time of the year, if she is at least one year old. But to choose your new contract well, you have to know how to compare the guarantees offered… How much will you end up with for a consultation with a dermatologist? Cataract surgery? It’s time to dive into the tables of guarantees provided by insurance companies and mutuals …
The problem is that we do not usually speak in euros, but… as a percentage of the social security reimbursement base, also called “compulsory regime reimbursement base” (BRRO). Do you manage to find what this base corresponds to, in euros, for the health expenses that concern you the most? Do not think that this is what the “Sécu” will reimburse – the name is misleading – it often only reimburses part of its reimbursement base.
More readable contracts
Are you (already) lost? However, this is only one of the difficulties in sight. Optam, sector 1, user fee, 100% health, flat-rate participation: here is an overview of the abstruse concepts whose mastery is essential to compare offers. And, a fortiori, understand what will remain at your expense in the event of a health problem. “The choice of complementary health insurance is not easy and requires a lot of explanation. Our services spend an average of one hour per customer, compared to five minutes for other insurances ”, says Antoine Fruchard, founder of the online broker Reassure me.
Could we make life easier for the subscriber with more readable contracts? In any case, this is what insurers and mutualists committed to on May 11 within the Consultative Committee of the Financial Sector (CCSF), a consultation body bringing together professionals and consumer associations.
The agreement mainly concerns an overhaul of the table of reimbursement examples. This document aims to enlighten consumers who do not speak BRRO fluently, by giving them examples of reimbursement in euros for care and routine procedures (consultation of a general practitioner, hospital package, etc.). With a column for the rate most often applied (or regulated, when it exists), one for the reimbursement of Social Security, one for that of the complementary, one for the remainder to be paid.
The new table, available on the CCSF website, and which will have to be provided by insurers and mutuals no later than May 2022, will be more meaningful than the former. “We will set up an investigation into these commitments from the end of 2022”, announces Maurice Ronat, president of the National Union of complementary health insurance organizations.
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