How to join a mutual health insurance for young workers?
The collective company mutual insurance company: The economic solution
If you are an employee, the simplest and most economical solution is often the company health insurance plan. Since the ANI (National Interprofessional Agreement) law of 1 January 2016, all private sector companies must offer complementary health coverage to their employees. The employer pays at least 50% of the contributions to the compulsory collective mutual insurance company. It is a more economical choice than an individual mutual insurance company.
Individual mutual insurance for young workers: Personalisation and flexibility
In addition to group coverage, or as a replacement, you can opt for an individual mutual insurance company. If you are an employee and you already have an individual health insurance plan, you can sometimes apply for an exemption from the company’s mandatory health insurance plan. The advantage of the individual mutual insurance is that it allows you to customize your coverage according to your specific needs.
Join the partner’s or parents’ health insurance company
A young worker can also benefit from the collective coverage of his partner or parents as a beneficiary. It is often simple to set up, but be careful to check the rate beforehand, because individual or company health insurance can sometimes be more economical.
The Complementary Health Solidarity (CSS): For low incomes
For those with modest incomes, the Complementary Health Solidarity (CSS, formerly CMU) can be an interesting option. You must apply to benefit from it, and depending on your situation, you can subscribe to it for a maximum of one year, renewable according to your income. It’s either free or less than one euro a day.
Mutual insurance for young workers and reimbursements
Medical care
It is essential to check if your mutual insurance company covers fee overruns, medical analyses, and alternative medicine such as osteopathy. How much are medicines reimbursed?
Hospitalization
In the event of hospitalization, your mutual insurance company must cover the costs of the stay and the cost of a private room. Also check the reimbursement of medical fees, the accompanying bed and medical transport.
Optics
If you need glasses, make sure that your health insurance company covers the frame and lenses. What about lenses and eye surgery?
Dental
Dental care can be expensive. Make sure that basic care such as scaling, cavity treatments and extractions are reimbursed, as well as dentures and implants.
Additional services
Check whether your mutual insurance company offers third-party payment, waiting periods, coverage for teleconsultations, and protection when travelling abroad.
What influences the price of the mutual insurance for young professionals?
Types of refunds
The basic reimbursements of the Health Insurance cover about 60% of the reimbursement base of the Social Security. The young worker must pay the co-payment, and the complementary health insurance reimburses this part, in part or in full. Refunds can be calculated as a percentage, as a flat rate or by a “real expense guarantee”.
General criteria
The price of the mutual insurance company is influenced by age, family history and medical history. The more generous the mutual insurance company is in its reimbursements, the higher the contribution.
Market average
A young worker health insurance generally costs between €300 and €1,000 per year, depending on the cover chosen.
How to benefit from a health insurance that is not too expensive for a young worker?
Choosing the company health insurance
Employees’ health insurance offers financial advantages, as the employer pays at least half of the contributions.
Compare mutual insurance companies
Comparing offers according to your profile and your needs remains the best solution to find an affordable mutual insurance company. Ask for quotes to have written guarantees.
Save money
To save money, a young worker can reduce their coverage or check their eligibility for CSS. Some mutual insurance companies offer welcome offers or sponsorships, an opportunity to save!
Choosing your health insurance when you are a young professional requires a little research and comparison, but it isIt is worth it to be well protected.
Thanks for reading and take care!
FAQ
Which mutual insurance company to choose when you are a young professional?
For young professionals, several options are available to you. Company health insurance is often the most economical because your employer pays at least 50% of the contributions. If you are on a work-study program, you can choose between your employer’s health insurance company, your parents’ health insurance company, or a student health insurance company. If you are unemployed, you are entitled to the Complementary Health Solidarity (CSS).
Why take out a mutual insurance policy when you’re young?
Although Social Security covers part of the health costs, it does not cover everything. A mutual insurance company covers expenses not reimbursed by Social Security such as the co-payment, fee overruns, and certain expensive treatments such as dental or optical care.
What guarantees should be favoured for a young worker mutual insurance company?
Young workers should choose guarantees adapted to their specific needs. For example, good coverage for basic care, medical consultations, optical and dental care is essential. Some mutual insurance companies also offer reimbursements for alternative medicine, contraception, and smoking cessation.
Can you stay on your parents’ health insurance as a young professional?
Yes, it is often possible to stay on your parents’ health insurance until a certain age, usually until the age of 21 if you are a student. Some family health insurance companies can extend this coverage if you are still studying. To take advantage of this option, contact your parents’ insurer to find out the terms and conditions.
How do you cancel your parents’ health insurance to choose your own?
To leave the family health insurance company, send a cancellation request to the health insurance company concerned. This request can be made by registered mail with acknowledgement of receipt. Once the application has been accepted, you can opt for a youth health insurance plan adapted to your needs. Remember to compare the offers to find the one that suits you best.
Can you change the benefits of your youth health insurance during the course of your contract?
Yes, it is often possible to change the benefits of your mutual insurance company during the course of the contract, especially if you have taken out an individual mutual insurance policy. For a company group contract, the options for modification are more limited. Contact your mutual insurance company to find out the conditions and the steps necessary to adjust your coverage.
