Home Forums Health, Fitness & Beauty Top up health insurance (Mutuelle)

This topic contains 13 replies, has 10 voices, and was last updated by  tigre 1 year, 1 month ago.

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  • #374062

    Lawless
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    Hello,

    Could you please let us know who you use for your Mutuelle.  We are being quoted around 100€ per month for 2 people age 55 from Generali.

    Anyone used them, and can you recommend their policy?

    Is this average, high or low

    Thanks

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    #374067

    Liz
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    Sounds about right for your age Lawless.  We have used them for the past 5 years and they have been flawless.  We have had hospital admissions, dentists and opticians and never any problem.

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    #374073

    Jazzy
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    We pay €90 or so per month for mid range cover including prescription meds with Credit Mutual’s Suravenir. We are aged 52 and 61. So depending on what kind of cover it may not be too bad.

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    #374153

    Marie
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    We are with AFPS (via Sofica’s) and pay €137 for ‘almost top of range’ cover (there are 4 options and this is for option 3). We are age 64 and 56. We are satisfied with them and if we have any queries we speak to Tony from Sofica’s who is always helpful.

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    #374257

    marion
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    As said before not bad ,it depends what it covers .Be aware that one company ( can’t remember which) expects you pay up front for some hospital care and then you are reimbursed.

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    #374263

    Seabadger
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    Try getting a quote from MAAF.

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    #374359

    officer crabtree
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    We pay €85 per month for bells and whistles policy with Amis which is part of the Aviva group and we are both 63 We were with Generali but the second year they wanted a huge amount so we ditched them One of the reasons was that they “included” a lot of obscure things like house cleaning etc if you were bed ridden so the thing you need to do with a mutuelle is to decide what you actually covered eg just hospital cover  or if you rarely go to the doctor you may be happy paying for part of your prescription Do you wear glasses or do you have dodgy teeth  so you have to balance what you are likely to spend against the monthly premium List the things you want covered then Google”comparateur mutuelle” and see what is on offer Certainly Amis was an OK price but the call centre offered to upgrade at the same cost so it is worth shopping around but bear in mind that if you use a comparison site then you will get calls in French but some willhave an English speaker if needed Or you could do an old fashioned trawl of insurance agents in your area Bear in mind too that you can always upgrade a policy mid term if needed

     

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    #374369

    tigre
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    For some independent info there’s some helpful advise on a site called http://www.french-property.com Go in to their ‘ Guides’ section and look under health care in France.

    It tells you that on a lot of top up policies it will state for example you get reimbursement on glasses of say 60% but what they don’t tell you it’s 60% of the base rate, which is 10e on a pair of adults glasses, so your insurance will give you back 6e on glasses that may have cost you a few hundred euros, so unless your French is excellent and you fully understand the policy and it’s benefits it would be worth putting a bit of time aside to look in to what’s best for your needs, as officer crabtree has said in his post.

     

     

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    #374375

    commandomum
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    Can anyone explain the Mutuelle Complimentaire, specifically for someone on low income and over 65 yrs old. Is it a free cover and if so does it cover everything which you would expect to ever have to claim back for

    Thanks

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    #374381

    tigre
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    C’mum, again, have a look at the website I’ve mentioned in my last post, it probably has some good advise about it.

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    #375234

    officer crabtree
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    There are two types of help you can get with a Mutuelle depending on the level of your income ACS which is basically a payment to get a mutuelle or if you have a really low income CMU-C which is a state mutuelle

    If you go to http://www.ameli.fr click on “assuré” then “Remboursements prestations et aides” you will see in the left hand blue box you will see CMU et aides financieres” and in the right hand white box is a simulateur to see if you are eligible You will need your Revenu de référence from your Avis des Impots

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    #379752

    Anonymous
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    Just a note to add with reference to the limit for being granted ACS when using a simulateur, if you are a homeowner there is an amount added to your revenue for that (I’m afraid I don’t know the amount per ratio) it’s what tipped us over the top of the limit the last time we applied, even though our revenue was below.

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    #379807

    commandomum
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    Hi and many thanks both of you for that info

    Regards

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    #379847

    tigre
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    If things haven’t changed, the ‘ Forfait Logement’ is only applied if you don’t have a mortgage on your property, when we applied for help with top up insurance about eight years ago they added an extra 90 euros a month to your income which took us just over the limit to qualify for help, no doubt that figure has probably gone up since then, if you have a mortgage then this figure wasn’t added.

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