Supplementary health in retirement
How to choose the right supplement for retirement health?
Nowadays, it's hard to imagine a world without social security and without good complementary health, especially when you reach retirement age. Over the years, health costs increase and income decreases more or less. It then becomes more than important to choose your complementary health care carefully. So how do you go about it?
Take stock of your retirement situation
Key points of the contract to check
Take stock of your current situation
When you are retired, the first thing to do to choose your complementary health insurance is to take stock of your current situation:
If you are an employee and you have a compulsory collective health supplement: it is quite possible to keep your current supplement. However, take the time to check the guarantees. Also remember that as you retire, the cost of your supplement will be increased since you will no longer be able to benefit from the employer's share. Faced with these drawbacks, take the time to compare it with an individual contract;
If you take advantage of your spouse's supplement: you don't have to worry about your situation while your spouse is working;
If you already have individual complementary health insurance: you must take stock of your contract by checking whether the guarantees are well suited to your situation before you retire;
If you have not yet taken out additional health insurance: remember that health concerns increase with age, which is not necessarily the case with income. Thus, subscribing to suitable complementary health insurance can help you prevent many problems.
Check some key points of the contract
Retirement is an opportunity to review your complementary health insurance and perhaps compare the different offers on the market. The following are the main points of comparison:
The level of coverage of the complementary: choose based on the level of reimbursement of health costs assumed by your health insurance;
The additional guarantees offered by categories of care: they are different from one contract to another;
In all cases, the supplement that you must choose must include essential guarantees: hospitalization, hearing aids, optical equipment and dental prostheses (often little covered by health insurance).
And if you have the possibilities, you can add interesting guarantees to your contract such as refractive eye surgery, pedicure treatments, exotic vaccines, assistance in the event of serious illness or hospitalization, or even coverage. expenditure on alternative medicine (occupational therapy, osteopath, etc.).
Finally, to make your life easier, you can ask a broker to find the supplement that best suits your needs. He will be in charge of studying the guarantees of each contract and, thanks to his knowledge of the market, he will be able to find you good complementary health in a short time.
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