While you work, you generally have health insurance linked to your job.
However, it is not necessarily when you are in your prime that your health expenses are the greatest!
When the age of retirement comes, it is sometimes necessary, not to say mandatory, to change health insurance: this is a highly strategic step.
Indeed, as a senior, your health needs are likely to change rapidly and the expenses that go with it too.
Health insurance reimburses, in part, the health costs of the French.
However, when we talk about certain age-related needs, we are often surprised to find that reimbursements are very limited: only a few euros for a pair of glasses or hearing aids, for example.
More serious health problems, which may require hospitalization, can also be very expensive without mutual insurance.
These situations, no one wants to think about them, but they nevertheless exist: this is why it is useful to have a mutual health insurance retirement to ensure financial peace of mind.
Here are some recommendations to help you see things more clearly.
I find the best senior health insurance
Why subscribe to a senior mutual?
Generally accessible from the age of 55, senior mutual health insurance is designed to adapt very precisely to the needs of its target group.
When you're young, you don't necessarily need extremely comprehensive coverage, because you may rarely get sick, you go to see a doctor occasionally, and you don't have any chronic conditions.
As your health expenses are limited, you are not covered for everything and the price of your health insurance is affected.
The senior health mutual is really different on these multiple points.
Its main particularity is that it targets a specific category of the population, which enables it to respond to its needs with precision.
With age come vision and hearing problems, but also possible chronic diseases, such as diabetes or hypertension, more risk of falling or even frequent appointments with the general practitioner and specialists. .
So many situations where it is necessary to have the most complete health coverage possible, in order to be able to treat yourself without fear of ruining yourself in the process.
On the other hand, retirement mutual health insurance tends to cost more than traditional mutual health insurance.
However, this point depends on the mutual you choose: as in all sectors, competition exists, and it is essential to take the time to carefully compare the differences between the offers and the formulas.
Here is a method to do it effectively.
How to choose the best senior health mutual?
The Le Parisien health insurance comparator is a particularly interesting tool for making an initial selection of quality senior health mutuals.
In just a few minutes, you can obtain a list of health mutuals for retirees and choose the one that seems best suited to your needs.
To have a reliable and usable result, you must fill in your form with great precision.
Indicate your family situation, the desired guarantee levels, your age, your social security system and your profession.
It is likely that you are already retired, but if that is not the case yet and you simply want to simulate the offers that await you for your retirement, you can use the Parisian comparator to project yourself .
It is, moreover, quite possible to indicate a relatively distant start date of the contract, but it is not obligatory.
If you play the game and fill out the form accurately, you get results that are accurate too, with realistic pricing proposals.
If you wish to subscribe to one of the proposed offers, you can do so without delay.
It is possible that you will be asked for additional documents in order to finalize your contract: it can therefore be interesting not to wait before taking care of them, in particular if you wish to have senior health insurance quickly.
>> Click here to compare health insurance and mutual health insurance
What is the average price of senior health insurance?
It's not surprising, the price of a senior mutual health insurance is high, in any case significantly higher than a classic mutual.
Its monthly amount easily reaches 100 euros and it can even exceed this amount from a certain age.
Because, yes, the senior mutual health insurance evolves according to the age of the person concerned: you pay less at 60 than at 70.
This can be explained by a point already mentioned above: the older we get, the more health expenditure increases.
But that's not all: your geographical location also has a role to play in the price of your retirement health mutual.
According to the most recent studies, it is in Île-de-France that this type of mutual costs the most expensive, just over 1300 euros per year on average.
On the other hand, in the Grand Est, the average expenditure amounts to approximately 1150 euros per year.
Medical history is also important.
If you are already affected by one or more chronic illnesses or if you wear glasses when subscribing to your senior health mutual, then you are likely to pay more.
When subscribing, it is important that you are honest about your medical history: if this is not the case, in the event of a problem, you may not be compensated.
In summary, if it is possible to give an average price for retirement insurance, the final amount is so personalized according to your specific situation that it can vary greatly.
The ideal is to multiply the simulations and make several quotes to ensure that you find the most satisfactory proposal for you.
Do you need a different health mutual after retirement?
If your health insurance was attached to your job during your working life, once you retire, you no longer benefit from it.
You then have a choice to make: either opt for a senior health mutual, or do without it completely.
If you choose this second option, you should expect to have a lot of health expenses, since health insurance will not reimburse you for everything, far from it!
As mentioned above, having a mutual fund for seniors is the best way to cover yourself against health expenses due to age.
Moreover, in the vast majority of cases, the mere mention of your age when making an estimate will push the mutual to offer you an offer intended for seniors.
The answer to this question is therefore yes: you must have a different health insurance from the moment you retire, because it covers you effectively and allows you to enjoy your free time as peacefully as possible.