Some families struggle to pay their bills and are sometimes tempted not to have mutual insurance. Others, on the other hand, say to themselves that they rarely fall ill so there is no need to subscribe to complementary health insurance. Finally, some people treat themselves through alternative medicine because they don’t have enough income. However, is not having mutual insurance really a good idea?
Is it necessary to have mutual insurance?
A mutual still called complementary health is a health contract that supplements social security reimbursements. This, for a contribution, the patient is reimbursed part of his health costs. Sometimes, depending on their level of protection, the patient has no remains dependent.
The mutual has been compulsory for employees in the private and voluntary sector since January 1, 2016. Some employers have had to offer a collective contract to each of their employees. Part-time employees, fixed-term contracts and apprentices under certain conditions are not affected by this obligation.
Moreover, not all French people are salaried, some are registered dependents and others do not work. In this kind of case, the law does not require them to sign an individual contract.
Who are those who do not have mutual insurance in France?
Some statistics estimate 3 million the number of French who do not have health insurance. In fact, these are mainly people with low income (precarious workers, unemployed or inactive).
The first reason may therefore be economic. Subscribing to a mutual insurance company requires monthly contributions which are considered as costs which can be high.
The second reason why some people do not have mutual insurance results from a conscious choice. Others consider that social security coverage is sufficient. Some patients turn to natural medicine which is generally poorly reimbursed both by social Security by the mutuals.
The right questions to ask yourself before choosing not to have mutual insurance
The first question is: am i healthy? But this question alone is not enough to make such a decision. No one can predict the future and a serious illness can break out without warning. Whatever happens, a healthy young person will have less health costs than an old person.
Do I have a stable financial situation?
Living without mutual insurance is profitable provided you have a dedicated savings to health costs. It will be necessary to build up this savings before decide not to have mutual insurance. However, not having health insurance should not push a patient to postpone some exams Where preventive care. All this to avoid the medical costs that this will generate. This is a very dangerous strategy, because it is the preventive medecine which avoids medical problems.
Can I benefit from free or less expensive mutual health insurance?
If you don’t have health insurance due to financial problems, you can claim complementary health insurance. It’s a complementary free or at least to 1 € per day and by nobody which replaces the CMU and the ACS. Many people who could benefit from this protection do not take the necessary steps to obtain it.
How to determine your remaining charge without mutual insurance?
If you decide to give up health insurance, you will have to insure your health risks yourself. The first thing to do before deciding not to have mutual insurance is to calculate the amount of your mutual health costs.
- Step 1: calculate the cost of your mutual health insurance
- Step 2: calculate the amount of reimbursements from your health insurance fund
- Step 3: Compare the amount of contributions to reimbursements
- Step 4: take into account unexpected health costs
To avoid any financial difficulties, you have to do your calculations before deciding not to have a mutual fund specially dedicated to medical fees. It is an approach dedicated to conscientious, organized savers who will not be tempted to dip into this savings for other projects.