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Answers to your questions

25–36 of 308 questions

Health insuranceWhat is the waiting period in a complementary health insurance contract?
It is the period during which certain guarantees are not yet active after the policy is taken out.
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Health insuranceWhat legislation governs complementary health insurance contracts?
Complementary health insurance is governed by the Mutual Insurance Code and the Insurance Code, ensuring transparency and protection of policyholders' rights.
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Health insuranceShould you opt for a flexible complementary health insurance plan?
Yes, a flexible plan allows you to adjust coverage based on the evolution of your personal and family needs.
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Health insuranceHow to effectively compare complementary health insurance offers?

Compare supplementary health plans using the same insured people, start date and care priorities. A monthly premium only tells part of the story: consider the costs you would still pay after reimbursement.

Prepare a useful comparison

  • Keep your current benefits table alongside two or three quotations based on the same household.
  • Rank your priorities: hospital treatment, consultations with extra fees, dental care, glasses or hearing aids.
  • Ask for an estimated out-of-pocket cost for a specific treatment, using your healthcare provider’s quotation.

Read benefits on the same basis

A percentage of the French reimbursement basis is not the same percentage of your invoice. Check whether the compulsory scheme’s reimbursement is included. For euro allowances, check the renewal period and the limit per person.

Also compare waiting periods, exclusions, duration limits, private hospital rooms and services you would actually use. Keep the policy terms with each quotation so that the details remain easy to find.

Choose the appropriate comparison tool

Use our France supplementary health comparison to view available offers for your profile. If you work in Switzerland and live in France, use the cross-border health comparison and check your compulsory health scheme first.

The comparison is free and does not take out a policy. Premiums depend on your profile, start date and selected benefits.

Official sources (French) : Service Public — complémentaire santé · DGCCRF — comparer les offres.

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Health insuranceShould I take out supplementary health insurance if I am already covered by Social Security?
Yes, supplementary health insurance is essential to cover expenses not reimbursed by Social Security.
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Health insuranceWhat is welfare coverage for private sector employees?
Welfare coverage includes all benefits that protect against health issues, incapacity, disability, or death for private sector employees.
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Health insuranceWhat are the main benefits of employee welfare coverage?
The benefits include work incapacity, disability, death, dependency, and education pension for children.
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Health insuranceWhat does the work incapacity guarantee cover?
It compensates for income loss during work stoppage, supplementing daily social security benefits.
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Health insuranceWhat is the disability guarantee?
It provides a pension or lump sum in case of permanent disability, supplementing the social security pension.
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Health insuranceWhat is the death benefit guarantee?
It provides a capital or pension to the employee's beneficiaries to compensate for income loss.
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Health insuranceWhat is the dependency guarantee?
It provides a pension in case of loss of autonomy to finance dependency-related expenses.
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Health insuranceWhat is the purpose of the education pension?
It ensures the continuation of the deceased employee's children's education by paying a pension until the end of their studies.
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