Health insurance comparators: which ones are really worth a look?
Those who do the job (and even a little more)
MutuelleSenior.fr : a real tool designed for 60+.
- Why we like it : 190 offers screened with filters Ultra-precise according to age and needs (example: +65 years old with hearing aid).
- The little extra that changes everything : a simulation of the rates at 65, 75, 85 years old. We avoid surprise increases such as this €35/month contract at 65 years old… which rises to €85 at the age of 75!
LesFurets.com : for retirees who want good value for money.
- What we like : a clear classification of mutual insurance companies by profile (e.g. dental implant holders).
- To watch closely : coverage in the event of overcharges at the hospital. Some say “200% security”, but if the clinic charges 300%, guess who pays the difference?
LeComparateurAssurance.com: For seniors who want to Customize thoroughly.
- Allows you to build your contract “à la carte”, even if it means removing certain unnecessary guarantees (e.g. optics if you wear permanent corrective glasses).
And those that we advise to avoid
- The senior mutual comparator is too generalist: audiology? To absent subscribers. Prices after 70? Forgotten.
- The sites that ask for the phone number before any quote? To be avoided. They call… and often at dinner time
Guarantees: misleading promises and real good surprises
The 3 most common traps
“100% refunded”: a well-rehearsed illusion.
- The Reality : 100% of the social security rate, i.e. €70 reimbursed for a crown at €800… Expensive to pay for an optical illusion.
- The right reflex : Searching for “reimbursement of actual expenses” or a Clear annual package (e.g. €500/year for dental).
Sneaky waiting periods:
- It can take up to 6 months for a hearing refund… Not ideal when you can already hear the world as if underwater.
Gadget “packs”:
- Teleconsultation, digital well-being coach… useful for some, superfluous for others. Ask yourself a simple question: do I use it?
The real guarantees that are useful after the age of 60
- Hospitalization :Top priority. With fee overruns included, of course.
- Dental : an implant costs on average €1,500. It’s better to be well covered.
- Audiology : for two ears, often count more €4,000. And some mutual insurance companies only cover one ear!
A little tip: if you no longer need glasses, choose a mutual insurance company that allows you to Disable Optics. Result? Save up to €15/month.
How much does it cost in real life? What the numbers say… and what they hide
Age
Average price
Our advice
60 years
€50-70/month
Negotiate from the first quote, especially if you leave an old contract.
70 years
€80-120/month
Read the fine print : some contracts double at age 75.
80+
€130-180/month
Opt for contracts without medical questionnaire : less risk of exclusion.
FAQ
Can you change your health insurance after the age of 70?
→ Of course. But beware of waiting periods : anticipate, do not cancel without having signed elsewhere.
Are veterans’ mutual insurance companies interesting?
→Yes, especially for their Price stability. But always compare before signing, a good plan can hide a better one.
My health insurance increases every year… What do I do?
→ Compare and trade ! Many are still paying too much without realizing it. A simple quote can lower the bill or unlock a competing offer.
A good senior health insurance is not chosen at random, but with a critical eye, a magnifying glass on the guys.anties… and a hint of shared flair.
