HOW DOES FREELANCE MUTUAL INSURANCE WORK?

 Independent workers, also known as “freelancers”, are workers who do not necessarily have a contract with companies. They are, in a way, entrepreneurs. They can then enjoy great flexibility in their professional activity. 

They must then think about taking care of their own medical coverage. In this context precisely, mutual insurance companies for self-employed workers prove to be an interesting resource. They allow freelancers to be covered. Here is more information on this.

What is a freelance mutual fund?

Mutual insurance for self-employed workers or mutual insurance for freelancers is a mutual insurance company, like all traditional insurance organizations or companies that provide freelancers with various coverage plans. They have products that meet the different needs of these categories of workers who do not benefit from health insurance offered by employers.

How to choose coverage as a freelancer?

For self-employed people, one of the most important first steps is choosing coverage. It must meet their specific needs. The mutual societies then provide them with various possibilities with varied options. This can range from a simple basic cover to very complete covers. To make the selection among the plans made available to them, freelancers must take into consideration various factors including their age, their state of health, their possibilities and their medical needs.

Once the coverage has been chosen, freelancers must contribute to the payment of monthly or annual contributions to the mutual insurance company. The amount to be contributed varies depending on the type of coverage chosen as well as the service provider chosen. However, payment must always be regular. This helps preserve current coverage.

In general, contributions that self-employed workers pay to freelance mutual insurance are not tax deductible. But in the event of a problem, they provide great peace of mind because they can cover costs relating to medical care.

How to use mutual insurance and how do reimbursements work?

In the event of a medical concern, the self-employed worker must consult a health professional or a healthcare establishment. In most cases, he first advances medical expenses and in return receives invoices containing the details of his treatment. He can then use these documents as proof to complete his reimbursement request from his insurer.

To obtain reimbursement, the self-employed worker makes a request to their mutual insurance company. It provides various supporting documents including invoices and prescriptions issued by treating doctors. The mutual does not immediately pay the compensation. She first examines the application and the documents. She checks whether everything complies with the terms of the contract. It should be noted that each mutual has the right to apply its own reimbursement rates and reimbursement rules. The most rational thing is therefore to read the reimbursement conditions carefully before signing a contract to avoid any confusion.