If the use of complementary health is more than ever a necessity, rubbing concrete in this universe is not an easy task. Especially since recent reforms have again changed the rules of contracts. We help you make the right choice. Generalization of the third-party payer, corporate-financed mutual’s, “responsible” or senior-oriented contracts … Much has changed with the implementation of the 2015 measures to control both the costs and the reimbursement levels of the complementary. In the end, some restrictions, but also good news for the insured. All the better, because on the social security side, things are not going well:
CHOOSE YOUR COMPLIMENTARY 10 POINTS
In order to choose good complementary health, it is necessary to start by making a point on its needs: ask yourself what are your real needs in health and what you want to cover exactly.
Based on this review, review the proposed benefits: How will you be reimbursed for key benefits, such as hospitalization, pharmacy, and medicine? Do not hesitate to check the reimbursement levels, especially for the guarantees you need (dental, optical …), but especially cover yourself for hazards (hospitalization). Surgeon insurance is must for every body
Then examine the so-called secondary guarantees, that is to say, the guarantees covering, for example, alternative medicines, non-nomenclature acts as well as the hospitalization comfort package if it exists.
Then study the services included in the contract such as assistance (housekeeper, childcare, animal care, funeral expenses, etc.) or medical-legal protection (personalized legal support and care) the fees of the interveners in the prevention or in case of litigation with a health professional or a care establishment). They can be useful for you.
Repayment of social security: symbolic for optics and dentistry
Anyone working in Japan subscribes to the Social Security a health insurance that will take care of his health expenses (as well as those of his family). , for example, the consultation of a general practitioner or a specialist, a basic rate from which a percentage of reimbursement is calculated, the non-reimbursed part being called the “ticket” moderator”. As a result, once these two deductions (base rate and reimbursement percentage) have been made, the sum actually covered by the Social Security Fund is much lower, with some exceptions, than the amounts paid by the insured. It is even symbolic for dental care (crown) or optics (glasses), or even close to zero for the insured who neglects to have a doctor.