Our advice for choosing the best senior health care company (price, location, etc.)

While you are working, you generally have health insurance linked to your job. However, it is not necessarily when you are in your prime that your health expenses are the greatest! When retirement age arrives, it is sometimes necessary, if not mandatory, to change health insurance: this is a highly strategic step. In fact, as a senior, your health care needs are likely to change rapidly and the expenses that come with it.

The health insurance partially reimburses the health expenses of the French. But when we talk about certain age-related needs, we are often surprised to find that the allowances are very limited: only a few euros for e.g. a pair of glasses or hearing aids. More serious health problems that may require hospitalization can also be very expensive without mutual insurance. These situations, no one wants to think about them, but they exist nonetheless: this is why it is useful to have a mutual health insurance retirement to ensure financial peace of mind. Here are some recommendations to help you see things more clearly.

I find the best senior health insurance

Why subscribe to a senior mutual?

The mutual senior health insurance is generally available from the age of 55 and is designed to adapt very precisely to the needs of the target group. When you’re young, you don’t necessarily need extremely comprehensive coverage because you rarely get sick, you go to the doctor once in a while, and you don’t have any chronic conditions. Since your health expenses are limited, you are not covered for everything and the price of your health insurance is affected.

The mutual senior health is really different on these several points. Its main feature is that it targets a specific category of the population, which enables it to respond to its needs with precision. With age comes vision and hearing problems, but also possible chronic diseases, such as diabetes or hypertension, greater risk of falling or even frequent conversations with the general practitioner and specialists. So many situations where it is necessary to have the most complete health coverage possible in order to treat yourself without fear of destroying yourself in the process.

On the other hand, mutual pension insurance tends to cost more than traditional mutual health insurance. However, this point depends on the mutual you choose: as in all sectors, there is competition and it is important to take the time to carefully compare the differences between the offers and formulas. Here is a method to do it effectively.

How to choose the best senior health care company?

The Le Parisien health insurance comparison is a particularly interesting tool for making an initial selection of high-quality senior health care companies. In just a few minutes, you can get a list of health care companies for retirees and choose the one that best suits your needs.

To get a reliable and useful result, you must fill in your form with great precision. Enter your family situation, the desired guarantee levels, your age, your social security system and your occupation. It is likely that you are already retired, but if this is not the case yet and you simply want to simulate the offers that await you in your retirement, you can use the Parisian comparator to project yourself. It is also quite possible to specify a relatively distant start date for the contract, but it is not mandatory.

If you play the game and fill out the form accurately, you will get results that are also accurate with realistic price suggestions. If you wish to subscribe to one of the proposed offers, you can do so without delay. It is possible that you will be asked for additional documents to finalize your contract: it may therefore be interesting not to wait to take care of them, especially if you want to get senior health insurance quickly.

>> Click here to compare health insurance and mutual health insurance

What is the average cost of senior health insurance?

It is not surprising, the price of mutual senior health insurance is high, at least significantly higher than a classic mutual. Its monthly amount easily reaches 100 euros, and it can even exceed this amount from a certain age. Because yes, the mutual senior health insurance develops according to the age of the person in question: you pay less at 60 than at 70.

This can be explained by a point already mentioned above: the older we get, the more healthcare costs increase. But that’s not all: your geographical location also has a role to play in the price of your pension health. According to the latest studies, it is in Île-de-France that this type of mutual costs costs the most, just over 1300 euros per year on average. On the other hand, in Grand Est, the average expenses amount to approximately 1150 euros per year.

Medical history is also important. If you already suffer from one or more chronic diseases, or if you wear glasses when you subscribe to your senior health care company, then you will probably pay more. When subscribing, it is important that you are honest about your medical history: if this is not the case, in the event of a problem you cannot be compensated.

In summary, it can be said that if it is possible to give an average price for pension insurance, the final amount is so personally adapted to your specific situation that it can vary greatly. The ideal is to multiply the simulations and make several offers to ensure that you find the most satisfactory proposal for you.

Do you need another health care company after retirement?

If your health insurance was linked to your work during your working life, you will no longer benefit from it when you retire. You then have a choice to make: either choose a senior health association, or do without it altogether. If you choose this second option, expect to incur a lot of health care expenses, as health insurance will not reimburse you for everything, far from it!

As mentioned above, having a mutual fund for seniors is the best way to cover yourself against health expenses due to age. Furthermore, in the vast majority of cases, simply mentioning your age when you make an estimate will push each other to offer you an offer intended for seniors. The answer to this question is therefore yes: you must have another health insurance from the moment you retire, because it covers you effectively and allows you to enjoy your leisure time as peacefully as possible.

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