Senior mutuals: the importance of comparing them well
The figure is staggering: in 2020, 12% of retirees said they preferred to give up senior mutual insurance, considered too expensive. To get around the difficulty of finding affordable health insurance, do not hesitate to contact the Insurance Comparator.
This approach is the best way to find the most attractive rates, to compare the specificities of mutuals, and to have an overview of the market. For the good of your health, like that of your wallet, a single watchword: compare health mutuals.
The particularity of the senior mutual
If comparing is an absolute necessity, it is with regard to the specificity of mutual health insurance for the elderly. This is mechanically and systematically offered at a higher rate than that of other age groups. The risks of falling ill, falling and breaking a bone, or losing visual and sound acuity, increase significantly with age.
Also, for the sake of profitability, insurance companies tend to charge a high price to their mutual on this part of the population. Caught between a declining health that requires good protection and the goodwill of insurers, seniors must use their best weapon: play the competition.
Mandatory guarantees of the senior mutual
A senior mutual, as complementary health insurance for an elderly person, must imperatively sufficiently cover a certain number of health fields. Regardless of the specific needs of a given situation, every senior should ensure that they are sufficiently covered for dental care, glasses, blood tests, and visits to specialists.
Teething problems increase with age, just as vision inexorably declines beyond a certain point. Blood tests are frequent, and the use of specialists is not uncommon either. Being poorly covered on these aspects is tantamount to heavy financial losses over the years.
The main particularity of the senior mutual is that it is expensive. Insurers, aware of the higher probability of falling ill at an advanced age, adapt their rates accordingly. Returning seniors have three assets to counter this: a good knowledge of the offers, comparison, and playing on the competition.