The benefits of personalized health insurance

Personalized health insurance is suitable for people with specific health needs. It is recommended for families, patients with chronic illnesses, and for obtaining better reimbursements.

Benefits with chronic diseases

Chronic diseases (diabetes, asthma) require significant medical and hospital care. With health insurance, the reimbursement of your costs is capped, or you have to contribute a lot to receive good reimbursements.

It is better to choose personalized health insurance in hospitalization because adapting your contribution for this purpose, grants you more appreciation (no waiting period on the hospital package, support for the single room).

Note: before taking out any health insurance contract, check its benefits in detail. In order to fulfill its obligation to provide information, the insurer must provide you with a list in writing.

Benefits by age

Health insurance does not reimburse all services. However, some are essential for children or seniors, such as the application of varnish on the teeth of children under 13, which is very effective prevention of cavities. The personalized health insurance in dental care covers this act, which is not the case with other health insurance.

On the side of seniors, the decrease in visual acuity often requires surgery. Thus, when it comes to refractive surgery (laser), the operation is very little reimbursed. Ask a health insurance broker to provide you with an insurance comparator or to compare each on this point. Indeed, it is personalized health insurance in optics that guarantees the best support.

Benefits on targeted reimbursements

Spa treatments, non-compulsory vaccines, specific consultations (psychologist, osteopath, dietitian) are not always reimbursed by health insurance. If your general condition justifies this type of care, it is in your best interest to turn to personalized health insurance.

In this case, the insurance that suits you best includes a personalized medical care contract because it takes care of excess fees and this is what allows you to opt for the medical staff or the clinic of your choice. , without worrying about the price.

The third-party payment system is part of personalized health insurance services. It avoids the advance of the expenses at the many approved practitioners.