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health insurance top up

Posted by AnnM-445558 - Created: 3 years ago
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10 replies (Showing replies: 1 to 10)

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Posted by Poôte - 3 years ago

Heart attack, diabetes a Cancer yes 100% but a car accident, fall down the stairs, off the roof, hand mangled under lawn tractor or chainsaw....NO NO NO no cover PAY PAY PAY & if necessary they will pursue your next of kin. Why do so many people want to cheat the system in France when they chose to leave the UK & NHS????

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Posted by janes-394036 - 3 years ago

Yes, you can take out a mutuelle whenever you want. I know loads of families who took one out or upped their existing policy because their children needed orthodontic treatment. And buster is quite right, you wouldn't need a mutuelle for a heart attack or brain haemorrhage as you'd be covered 100% for them.

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Posted by Fitter - 3 years ago

We were told the exact same thing by the MMA insurance office that we insure with-if you have a serious condition you can take out a more comprehensive policy with no questions asked, but it has to run and be paid for a year.

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Posted by buster-784461 - 3 years ago

You wouldnt have need of top up if that was the case poote!

If you are  having  general medical care then you can contact the assurance people as that may cost you!

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Posted by Poôte - 3 years ago

I have never read such rubbish......so when you have an accident & your car is written off the Gendarmes will fone the insurance co. & they will issue you a policy to make a claim, at the same time when you are unconscious in Urgence the cleaner will fone the same insurance co or just before you have a heart attack or brain haemorrhage the insurance co will fone you & make out a contrat...wise up bebefore its too late, pay for your insurance sante & live with peace of mind.

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Posted by chris22-401384 - 3 years ago

Top up health insurance is a mine field, whilst some pay it and benefit greatly others pay it and end up vastly out of pocket. When we first came to France 9 years ago friends advised us that it was essential. We took out a policy, however 7 years later it was costing nearly 100 euros a month and neither of us used it very much so we cancelled.  Interestingly, and I suspect that this fact is not widely known, an employee of one of the insurance companies told me that they frequently get phone calls from hospitals asking for them to issue a policy for someone who has been admitted to hospital and has no policy. The phone call sometimes comes from an employee in the hospital or from the patient or patient's relative. The insurance company is obliged by law to issue a policy, even at this late stage. The moral is, in my opinion, wait until you know you require costly treatment and then take out a policy. If you are diagnosed with somethiing serious, eg diabetes or cancer your treatment for this and any condition resulting from this will be free anyway. Beware of taking advice from anyone who may have a vested interest in selling you an insurance policy. I'm sure this will be one of many comments-good luck and good health!!

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Posted by countrydweller - 3 years ago

Also if your income is below €9601 pa per household you may get a free top up or cheaper top ups depending on your income through CPAM

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Posted by countrydweller - 3 years ago

As everyone says you pay your money and you takes your choice.I would strongly recommend you get a mutuelle as your carte vitale only covers 70% of your health care costs;you can try a comparison site like this but before you do make sure you decide what you want covered

www.mutuelle.fr  

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Posted by Reveuse-918439 - 3 years ago

The level of topup you get is entirely up to you. It's like any other insurance - the higher the level of cover, the less you will have to pay out of your pocket each time you claim but higher the monthly premium. The lower your monthly premium, the more you will have to pay out of your own pocket each time you need medical treatment.

All companies will offer a range of different levels of cover.

Private companies can base the premiums on your medical history but 'mutuelles' are by law not allowed to take an individual's medical record into account and can't ask about it, they can only base their premiums on general factors such as age, occupation, postcode etc. So logically, if you have a better than average medical record for your age you can expect to get cheaper quotes from private providers, if you have a lot of health conditions and require ongoing medication you will almost certainly get better quotes from mutuelles. That's the logic, though it doesn't always work.

Hope this helps.

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Posted by Poôte - 3 years ago

The refund at best is only 70% of the amount paid & for some specialists you will even less than that. The top-up assurances are expensive because so are the specialist services, operations, medicines & any other treatment you may need. With a good top-up you can choose if you go into hopital whether you are in a shared room with up to 4 others of the same sex as your own or a private room with shower, basin, WC, TV & Fone + ambulance there &/or back...costs paid for with you top-up & a hospital stay can be from 35 euros per day to VERY expensive. All that was taken as FREE under the NHS in the UK has to be paid for in full in FR either/& by you, CPAM & your top-up assureur..