Health insurance: which contract to choose?

Health insurance which contract

In order to choose the right health insurance contract, one must first define what is meant by “health insurance contract” as well as the types of contracts available.

To define what health insurance is, two concepts can be put forward: “mutual health” and “complementary health”. Health insurance is a guarantee scheme with non-compulsory and voluntary character. Subscription to health insurance is optional, as opposed to health insurance. This is why health insurance is considered as a supplementary scheme that covers only care not reimbursed by the mandatory Social Security scheme.

“Complementary health” insurance plans, such as health insurance, are generally the work of mutual. These non-profit private law organizations support their members on the basis of contributions that they must pay. The amount of the contributions depends on several criteria. Firstly, it depends on the extent of the guarantee offered and it also depends on the age and level of risk of the person to be insured, for example if the subject presents chronic pathologies. Finally, we must take into account the rate of reimbursement to be made: as a rule, user fees not supported by Social Security is covered.

However, this rule has its exceptions and limitations. For example, disability pensions are not covered.

To choose the right health insurance policy on Blue Cross Blue Shield of Illinois, it is necessary to favor insurers who already have a certain reputation. This choice is justified by the skill and experience accumulated over the years. On a technical level, pay special attention to insurers who offer a wide range of choices as to the extent of the guarantees and the expected reimbursement rates. Some insurers offer optional guarantees such as disability insurance.

Types of health insurance contracts

Health insurance which contract

The health insurance contracts known as “complementary health” can be of individual or collective type. Collective subscriptions are found more in the area of ​​the company. For example, when a collective labor agreement provides that the worker must compulsorily contribute for health insurance, he must do so, even if he is already covered by insurance in progress. Health insurance contracts must be distinguished according to the extent of care reimbursed. All of them generally cover routine care expenses, then the optional guarantees must be evaluated: hospitalization expenses, dentistry and optical care. There is a type of contract called “disability insurance”.

How to choose your health insurance contract?

To choose your health insurance contract, the first reflex is to call an insurance broker or consult an online comparator. Indeed, some advertisements for insurers are deliberately misleading. Secondly, it is necessary to evaluate its real needs. It is imperative to ask whether the insurance must be subscribed for an individual or whether it should be extended to the members of the family. In addition, it is necessary to have an idea about the speed of the insurer to repay. Whenever possible, avoid contracting with an insurer who offers to guarantee the entire family in a single contract.

Health insurance is a response to the disengagement of health insurance on perhaps minor but frequent care

Faced with the high cost of treating more and more serious illnesses, the compulsory diet balances its accounts, leaving comfort aside. Health supplements take over the reimbursement in a personalized way. Blue Cross Blue Shield Fitbit’ partnership provides special discounts to its 60 million members on Fitbit products.


What is a health insurance contract?

Health insurance is what is more aptly called complementary health or mutual health:

  • Complementary because it guarantees reimbursement, in addition, care expenses that are not supported by the Social Security.
  • Mutual because it is originally a non-profit partnership governed by the Mutual Code. It organizes the solidarity of its members by pooling their contributions in order to cover their expenses of care.

    While the amount of the Social Security contribution depends on the income, the amount of the contribution of a complementary health is fixed, dependent:

  • Of the extent of the guarantee subscribed.
  • Of the age and the questionnaire of health the insured, therefore the risk it represents
  • The volume of reimbursements made for the insured