It should be noted that the complementary health plan in Alsace-Moselle is particular and does not resemble that of the rest of France. Alsace kept the same scheme after joining the German Empire and this scheme dates back to 1911. Any employee in the region cannot therefore escape membership of a complementary health mutual. However, like traditional social security, the Alsace-Moselle scheme does not cover everything. This implies the need for complementary health insurance to meet your specific needs and excess fees. But how does this complementary health insurance work in Alsace? What are the advantages and how to find the best rates?
This independent scheme acts on the departments of Moselle, Haut-Rhin and Bas-Rhin and concerns all employees, retirees and unemployed, but also employees of French origin whose company is headquartered in Alsace and finally cross-border workers . Civil servants, farmers and liberal professions do not have the opportunity to enjoy the benefits of this complementary health insurance. The financing of this system is ensured by paid contributions representing 1.5% of the salaries and pensions of the members.
The contributions being higher than in the other departments, the members can however profit from a assumption of responsibility and from a more advantageous refunding. Indeed, the reimbursement rate is much more interesting despite the expensive price to pay, namely hospitalization and the daily allowance reimbursed at 100%, against 90% for medical fees or analyzes and 80 to 90% for drugs. with white and blue vignettes.
Although the local Alsace-Moselle scheme offers very advantageous coverage compared to the rest of France, subscription to a complementary mutual insurance company remains appropriate. Indeed, the Alsace-Moselle scheme excludes excess fees as well as dental and optical costs. So, choose the best mutual insurance offer from the Alsace Lorraine scheme to benefit from guarantees adapted to your needs but at a suitable price.
To do this, you could go through a comparator of mutual insurance in order to be able to obtain the selections of offers appropriate to your needs and your situation. All you have to do is fill in all the details mentioned in a form to obtain a list of the mutuals that best meet your needs. But you could also have recourse to a brokerage professional who will serve as your intermediary, guide and accompanist for the choice of the most suitable mutual insurance company.
Indeed, all members do not necessarily have the same needs in guarantees, and in order not to ruin yourself by contributing to unnecessary expenses, it is essential to clearly define your needs. Complementary health insurance must be personalized according to your age category, your personal and financial situation and your state of health. Optical and dental costs being exorbitant, it will therefore be crucial to choose well to benefit from sufficient reimbursement. Complementary health insurance will also depend on your professional scheme.
Be aware that the rates, membership conditions and coverage can be very different from one mutual insurance company to another, which is why jumping at the first opportunity that presents itself will be a big mistake on your part. Take the time to carefully compare several services offered to be able to benefit from health coverage at a reasonable price. Some mutuals also impose strict conditions such as the requirement of a medical questionnaire or an age limit for membership, so all the details will have to be taken into account to choose the right one.