Our experience with Insurance and tops ups. I hope this is useful

james · 22 October 2018 11:33

Your 'Mutuelle' or top up health cover explained. Plus how you can improve it Insurance Services

[image] Health insurance is a subject that often causes confusion so here’s our ‘cut out and keep’ guide to why you need a mutuelle and even more importantly, how to choose the best policy for your individual circumstances. First of all, it’s important to make the distinction between private health insurance (for those who for some reason are not able to join the French social security system) and mutuelle or top up insurance which we are talking about today. Secondly, to be eligible for a top-up health insurance policy you need to get into the system first; this means you must at least have a temporary French social security number. So why have a mutuelle? [image] To understand the importance of a mutuelle it’s essential to understand what the French social security system actually covers: For example, during a period of hospitalisation the social security will cover only a fraction of the expenses incurred and you may even have to pay the hospitalisation fees in advance.…