An illness or accident that requires hospitalization, and now the fees to be paid are skyrocketing. The patient always finds himself with exorbitant costs if he does not benefit from complementary health with adequate hospitalization coverage. To cover hospitalization rates and to get away with the best prices, it is advisable to compare various hospitalization mutual funds to find the best one.
The importance of subscribing to the best hospital mutual insurance
Many policyholders deceive themselves into thinking that there is no out-of-pocket payment at the hospital. It should be remembered that health insurance reimburses less than 80% of the total hospitalization costs, and it does not cover the daily rate or excess fees.
There is another reimbursement item that requires subscription of a mutual hospitalization : the comfort of a single room which varies between 60 and 120 € per day depending on the establishment. This item far exceeds all the others since hospitalization coverage represents 24% of mutual insurance reimbursement, while optical care, dental care and medication represent 13, 16 and 16% in the order.
What is the best mutual hospitalization in medium-sized towns?
Hospitalization cover in large cities differs from that in medium-sized cities. Medium cities are less exposed to fee overruns. As a result, it is possible to better cover patients in the event of hospitalization with a guarantee of at least 150% BR.
Take the example of an insured in a city in Brittany, Quimper, in an age bracket of 30-40 years. A mutual hospitalization would cost him 37 €/day on average. By extending its coverage to 200% BR, the cost of the single room amounts to €70/day. Let’s see what this gives to the different mutuals:
- General ;
- April ;
- Humanist Malakoff.
| Mutual | Rates | Hospitalisation | Private room | Routine care | Optical care | Dental care | Alternative medicine |
| generals | 36.86 €/month | 150 % | 45 € per day | 125 % | 200 € | 150 % | 50 € |
| April | 37.81 €/month | 150 % | 55 € per day | 125 % | 200 € | 150 % | 40 € |
| Humanist Malakoff | 49.25 €/month | 200 % | 50 € per day | 200 % | 250 € | 125 % | 100 € |
Mutual insurance rates April relate to hospitalization at 150% BR. Other tariffs are applied to hospitalizations at 200 and 250%. The same is true for the Malakoff Humanis mutual insurance company, which offers hospitalization at 250% BR.
What is the best mutual hospitalization in the big cities?
Unlike medium cities, large cities require a hospitalization cover by at least 200% to deal with fee overruns which are more frequent and much higher. There are mutuals with a price range from 45 to 70 € per month. These mutuals cover the risk of hospitalization at 200% or 250% and the reimbursement of the single room (between 55 and 85 € per day).
These mutuals offer generalist contracts including more enhanced coverage of optical, dental, alternative medicine and routine care guarantees.
Taking the profile of an insured person aged 30 to 40. We study the best insurance offers in a big citysuch as Marseilles:
| Mutual | Rates | Hospitalisation | Private room | Routine care | Optical care | Dental care | Alternative medicine |
| April | 42.80 €/month | 200 % | 70 € per day | 125 % | 200 € | 150 % | 40 € |
| generals | 49.55 €/month | 200 % | 55 € per day | 150 % | 250 € | 200 % | 70 € |
| CEGEMA | 66.20 €/month | 250 % | 60 € per day | 250 % | 450 € | 250 % | 80 € |
Here again, the mutual April stands out and offers different tariffs for various hospitalization covers at 250%.