Can everyone benefit from health insurance?

 Foresight allows an individual to protect themselves from the financial impacts caused by the hazards of everyday life. 

It occurs following death, disability or incapacity to work following an accident or illness. The subscriber benefits from financial support aimed at compensating for his loss of income and allowing him to maintain his standard of living. But can everyone benefit from health insurance?

What is health insurance and what are its advantages?

Taking out health insurance prevents you from being caught off guard in the event of hard times. The system entitles you to financial assistance in the event of unforeseen events resulting in a loss or reduction in income. It allows compensation for loss of wages caused by temporary incapacity for work through the payment of a daily allowance. In the event of disability, you benefit from an annuity to meet your needs. Following your disappearance, compensation in the form of capital is paid to your beneficiaries. Unemployment, dependency and other risks may be covered by extension.

If you do not have a pension contract, you will only receive daily allowances from Social Security. These are relatively low and do not allow you to meet your real needs. You also have to bear new expenses. On the other hand, if you have opted for health insurance, your contract supplements the compulsory plan. Your insurer pays you additional compensation which you can benefit from tomaintain your comfort of life and that of your loved ones. Despite the loss of salary, you will be able to cover your expenses. The other advantage of foresight is that it is modular. You can personalize it according to your needs and your family situation. You benefit from tailor-made coverage which guarantees you a certain peace of mind.

Who can claim pension insurance?

Anyone can take out provident insurance to anticipate life's accidents, it doesn't matter age, state of health, professional situation and social security system. Whether you are an employee, self-employed, job seeker, student or homemaker, you will certainly find the contract that suits you best among all the offers available on the market.

We can divide these into two categories. Let us first mention collective contracts taken out by employers for all of their employees. They offer a minimum base of guarantees that beneficiaries can supplement with optional protections according to their preferences. These contracts are financed in full or in part by employers while benefiting from advantageous pricing conditions.

Individual contracts are taken out on a personal basis. People who wish to benefit from it can contact the insurer of their choice. They are free to choose the guarantees and amounts that suit them. This way, they can adapt their insurance to their specific situation and needs.

The advantages and disadvantages of foresight

Adapted health insurance has multiple advantages. It offers you financial security in the event of hard times, by allowing you to receive compensation which compensates for the loss of income. The financial support it guarantees will allow you to cover your current expenses. You and your loved ones will be able to live comfortably despite the loss of your salary while enjoying some peace of mind. The other advantage of health insurance is that it offers protection adapted to your needs and your situation. It leaves you the choice of guarantees and amounts to subscribe. Some insurers even give you the possibility of choosing a disability scale adapted to your situation.

Despite all this, this device has certain drawbacks. Expenses may be more or less significant depending on the level of coverage chosen. The contract may also include limitations, exclusions or payment conditions. These may reduce the amount or duration of compensation received. We can add to all this any delays and deductibles. A pension contract may also include medical formalities.

How to find an affordable pension plan that meets your needs?

The best way to achieve this is to use an online comparator. 100% free and without obligation, this tool allows you to compare offers from several organizations in just a few clicks. Once on the site, you must fill out a form by providing all the required information. The comparator is then responsible for analyzing these and selecting the most relevant offers. He will present all the proposals to you in the form of a detailed list. After receiving it, all you have to do is make your choice.

When making the comparison, you must take several criteria into account. These include the level of coverage, the guarantees, their conditions of application and their exclusions, the payment methods, the amount of contributions, etc. Don't forget to sift through the general and specific conditions to avoid unpleasant surprises. To put all the chances on your side, you canappoint a specialized broker.

Make your health insurance work if necessary

You must first declare the loss to your insurer within the time limits provided for in the policy. All required supporting documents must be attached to the declaration. The welfare organization will then carefully study your file and check whether you meet all the conditions to benefit from compensation. He may ask you for additional information or subject you to a medical check-up. If approved, your insurer will compensate you in accordance with the payment terms provided for in your contract. He can also provide you with personalized support if the policy provides for it: psychological support, help with professional reintegration, home assistance, etc. a>

In the event of death, it is your beneficiaries who must report the loss to your insurer. They must send him all the necessary supporting documents: death certificate, certificate of notoriety and pension contract, among others.