Choosing a mutual insurance company after the age of 60 to reduce your medical costs?

Another problem: specialized care. Glasses, dentures, hearing aids… so many health facilities that display exorbitant prices and are poorly reimbursed by the Health Insurance. For example, a hearing aid costs an average of €1,500 per ear, of which only a tiny part is covered. A well-chosen mutual insurance company therefore becomes essential to prevent these expenses from becoming a financial burden.

What is an adapted senior health insurance policy?

A senior health insurance is not just a complementary health insurance. Unlike traditional contracts, it is specifically designed to meet the medical needs of the over 60s. Gone are the superfluous guarantees (maternity, child orthodontics, etc.), replaced by reinforced coverage for strategic care:

• Hospitalization: better coverage of fee overruns, single room, daily hospital flat rate covered.
• Optical and dental: Improved reimbursement on glasses, lenses, dental implants and prostheses.
• Hearing aids: Coverage of hearing aids and ENT consultations.
• Alternative medicine: reimbursement of osteopathy, acupuncture or other complementary care sessions.

The objective? Adapt health coverage to the real needs of seniors, by anticipating the unavoidable health expenses of the years to come.

How to choose the right health insurance after the age of 60?

The choice of a mutual insurance company is based above all on a Accurate assessment of their state of health. It is essential to take stock of your current needs: do you often consult a specialist? Do you have regular treatments? Do you need optical or dental care?

But be careful: you shouldn’t just think about the present. Anticipating the future is crucial. Some diseases occur gradually with age, and it is better to be well covered before you need them.

Faced with the multitude of contracts on offer, it is essential to take the time to compare. To do this:

• Analyze the guarantees: Beyond the price, look at the reimbursement rates for hospitalization, optical, dental and hearing.
• Use online comparators: tools such as Santiane or LesFurets make it possible to quickly evaluate suitable offers.
• Read customer reviews: Testimonials from policyholders are a mine of valuable information to avoid unpleasant surprises.

Some contracts hide exclusions from coverage that are best known in advance. Pay attention to the conditions of care for pre-existing diseases or serious pathologies.

Another crucial point is the waiting periods. Some mutual insurance companies impose a waiting period before reimbursing certain treatments, which can be a problem if you have an urgent need. It is better to opt for a contract with no waiting period or with very short periods.

Essential guarantees to choose after the age of 60

Not all mutual insurance companies are equal. Here are the essential guarantees to look for:

• Hospitalization: 100% reimbursement of fee overruns, comfort costs (single room, television).
• Optics and dental care: coverage of prostheses, implants, progressive lenses…
• Hearing aids: Hearing aids are expensive, better a good refund.
• Alternative medicine: osteopathy, chiropractic, acupuncture… care that is popular but not reimbursed by Social Security.

Practical tips to further reduce your medical costs

Mistakes to avoid when choosing your senior health insurance

• Focus only on the price: A cheap mutual insurance company can hide insufficient reimbursements.
• Ignore reimbursement limits: Some offers severely limit coverage, particularly for optical and dental care.
• Neglecting the evolution of your needs: A contract must adapt to changes in your state of health.

Case study: A senior citizen who optimized his medical expenses

Let’s take the case of Jean, 65 years old. Before taking out a senior health insurance policy, he paid nearly €1,200 per year out of pocket for his dental and optical care. He had taken out a basic health insurance that only reimbursed 30% of dental costs and €100 per year for glasses.

After analyzing his needs, Jean opted for a mutual insurance company offering a Reimbursement increased by 300% for dental prostheses and €400 for optics. Result? His annual expenses have dropped to €300 thanks to the better reimbursements.

Morality: Choosing the right mutual insurance company means saving money in the long term!

FAQ

At what age should you take out a senior health insurance policy?

From the age of 55-60, it is advisable to turn to a specific mutual insurance company, as needs change rapidly.

How to easily change health insurance after the age of 60?

Thanks to the infra-annual law, you can Cancel your health insurance at any time after one year of commitment, without cost or justification.

Are there any specific aids to finance a senior health insurance company?

Yes, depending on your income, you can benefit from the Complementary Health Solidarity (CSS) or other local aid.

A well-chosen senior health insurance is a Profitable investment which allows you to face the future serenely. Take the time to analyse your needs, compare offers and leave no stone unturned to benefit from optimal coverage!