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How does a family mutual fund work?

A family mutual is important when health insurance does not fully cover the medical care needs of a household. Indeed, it is a contract to which a person subscribes in order to cover the essential medical expenses of his family. Would you like to know how a family mutual fund works? Find out what you need to know here.

The operating principle of a family mutual

When you subscribe to a complementary family health, this comes in addition to cover non-reimbursable health costs. This concerns medical care which is not taken into account by the general social security scheme.

Indeed, the subscription to a contract family health is optional for a household. However, it is imposed on employers in the private sector, because the latter are obliged to subscribe to a insurance contract collective for their employees.

The use of a mutual family health allows you to cover the medical expenses generated by a change of situation professional or personal. To choose a family mutual, you must know the medical care needs of your family.

The average price of a complementary family health insurance

Depending on your expectations, you must define a budget for the guarantees offered by the family insurance fund. It is impossible to specify an average price to be paid for the contributions of a complementary family health. Nevertheless, you should know that the more your guarantees and Additional services are important, the more will be also the price. Note that in the rate of a family mutual, are taken into account:

  • The location of the accommodation or your residence;
  • The profile of each insured;
  • The needs of your spouse.
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Note that the price of mutual health insurance is determined according to your expectations in terms of additional medical care.

The elements of choice of a family mutual

When it comes to subscribing to a complementary family health contract, a number of criteria must be taken into account. First, there is the level of guarantees offered. A good family mutual will offer you different guarantees that will make your choice easier.

In addition, it is necessary to take into account the level of repayment applied by the complementary family health insurance. A good family mutual must cover the health costs that really correspond to your needs.

In addition, one must take into account the support services offered by the family mutual. Some mutuals do not offer free additional services. For this, it is necessary to seek the quotes already established in order to have an idea of ​​all the family health services of the mutual insurance company in question. Support services concern, for example, the babysitting service or the teleconsultation.

The benefits of taking out complementary family health insurance

The family health insurance intervenes to protect the members of a family in the event of non-reimbursement of contributions by the health insurance. When you subscribe to a family health contract, the risks inherent in your social mobility are reduced or even eliminated.

In the event of a difficult situation, the insurer guarantees the reimbursement of a pension to meet your medical care needs. Understand that taking out complementary family health insurance offers complete protection for your household.

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