Which health insurance to choose for a resident in a nursing home (EHPAD) or long-term care unit (USLD)?
Our advice to guide your decision

When a parent or loved one moves into a nursing home (EHPAD) or a long-term care unit (USLD), families have to make many decisions. Among them, one question always arises: which health insurance is truly suitable for this new situation?

There are many offers on the market. However, not all of them are designed for residents in care facilities. Many retain unnecessary coverage, leading to high premiums. Others, on the contrary, are designed specifically to meet the real needs of dependent elderly people, at a fair and transparent price.

Why adapt a resident's insurance in a nursing home?

In a nursing home, most care is provided directly by the facility: nursing care, physiotherapy, dressings, common medications, medical equipment... But some important expenses remain the resident’s responsibility, including: hospitalization, dental, optical, hearing aids, and alternative medicine.

Keeping a “standard” health insurance after moving into a nursing home is not always wise: these policies often cover benefits that no longer apply. Conversely, a suitable insurance allows you to:

• focus coverage on essential care;
• reduce premiums by up to 50 %;
• avoid overlaps with the nursing home;
• provide real comfort (private room, glasses, hearing aids, etc.).

How to recognize a good nursing home insurance?

Choosing insurance adapted to life in a care facility means choosing above all simplicity, clarity, and humanity. Here are the key points to check:

• No medical questionnaire or age limit
• Fixed rates according to age group
• Targeted coverage: hospitalization, optical, hearing, dental
• Access to a partner care network (e.g., ITELIS)
• Smooth management and human support

Apivia Courtage – GSMC Mutual: an offer designed for EHPAD / USLD residents

Given the complexity of the market, few contracts are as coherent as the one offered by Apivia Courtage (Aéma / Macif Group) and GSMC Mutual. This is a 100% Santé responsible contract, specifically created for residents in EHPAD, USLD or MAPAD, with no medical formalities, and fixed, transparent rates.

This contract offers 5 plans according to the desired level of coverage (EHPAD 1 to 5) and 4 age groups: under 60, 60–69, 70–79, 80 and over.

*2025 prices incl. VAT – valid throughout mainland France. No membership fees, no waiting period, cancellation possible at any time after 12 months.*

A human and supportive approach

This insurance is the result of a collaboration between Apivia Courtage, GSMC Mutual and Génération – three recognized players for their expertise and social commitment. Their goal: to offer simple, fair, and sustainable health protection for dependent elderly people and their families.

By choosing this contract, you opt for a human and caring approach: clear coverage, controlled rates, and simplified management. All within a mutualist framework based on solidarity.