Many French people still believe that canceling an insurance contract is as laborious as it is tedious. That’s why you should settle for an addition that doesn’t quite suit you. But that was before! It has never been easier to make a change. Not sure yet? In this article, we explain why it is necessary to keep your investment fund up to date.
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When are you supposed to change?
There are two ways to change one another. You cannot do this before the year is up. Since 2014 and the Hamon law, policyholders can cancel several of their insurance contracts (home, car,…) at any time. However, this measure does not apply to mutual health insurance. A little more patience! The possibility of terminating the mutual agreement at any time should be possible by the end of 2020.
In anticipation of this measure, however, the policyholder can terminate in case of a change in situation during the year. This could be a move, a change in employment status, a change in regime, marital status, or retirement. If the policyholder finds themselves in one of these situations, they have 3 months to inform their insurer.
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The simplest way is to cancel at the end of the contract. Most mutual insurance contracts are valid for one year. If the insurer is notified at least 15 days before the end of the notification, the policyholder can easily cancel. It is important to keep in mind that without a cancellation request, the contract is automatically renewed for an additional year.
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Between rising administrative costs, reduced social security coverage, and an aging population, health insurance is becoming increasingly part of the French household. It makes perfect sense that subscribers are looking for an insurance plan that offers them the best value for money.
You would be surprised to see that prices can vary significantly from one insurance company to another. Take stock of your guarantees and learn more. Are your insurance prices in line with the market? It’s up to you to find out!
Benefit from additional guarantees
While price is the main reason for a change in mutuality, it is not the only one. The reimbursements offered by your investment fund seem inadequate. It is important to choose a comprehensive offer or at least one that is suited to your needs. Some plans offer very limited guarantees for universal services. These are care services that are often used by the French, so make sure you are adequately protected. If not, you can remedy that.
Adapt to each other’s needs
Your mutuality must evolve with you. Your health needs will change throughout your life. Therefore, your mutual coverage will depend on your age, professional and family situation. Make sure to properly adapt your health contract to changes in situation. As mentioned earlier, changing situations can also be an opportunity to terminate your current investment fund for another more advantageous fund suited to your needs.
Enjoy quality customer service
Recently, studies have been published indicating that the most important element in the eyes of subscribers was the quality of customer service. This is entirely understandable. Customer service must be able to address questions as soon as possible, refer them, and proceed immediately with the reimbursement of care. The French pay particular attention to these elements.
Read customer reviews on different mutuals and trust word of mouth to guide your choice of mutuality. If you don’t think your insurance is sufficient, know that others have made customer service a priority.
The importance of comparison
This is the first thing to do before proceeding with the cancellation! Perhaps your contract is at market rates. To make the most of your comparison, it is imperative to clarify what you need: the guarantees you want, the number of beneficiaries to cover, the minimum reimbursement amounts,…
Once you have these items, you can compare. There are several options available to you. Online comparators allow you to meet directly with insurers to negotiate face to face… Or you can turn to social protection, which will ensure you find the best quality/price formula suited to your needs.
It is important to regularly reconsider the health needs of your household. Life consists of stages, and your health insurance must remain suited to your needs and avoid unpleasant surprises. Be accompanied by social security to make the best choice. Contact us!
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