Even if it is not only the price that counts in terms of pension and insurance, the amount of the contribution is still a key factor.
If there is health insurance at a fairly high price, it is possible to take out mutual insurance for less than 5 euros per month.
This health insurance will make it possible to supplement the reimbursements of the health insurance.
Let’s take stock of the most accessible rates according to the profiles.
I find the cheapest health insurance
Young policyholders pay less for their mutual
To pay less than 5 euros per month for your health insurance, you generally have to be young.
Indeed, people under 25 can take advantage of a mutual insurance contract from 4.90 euros per month* according to data from ComparateurAssurance.com which reveals the rate observed.
How much do senior profiles pay for health insurance?
The elderly pay more for their health insurance, in particular because of an increased risk of presenting health problems.
It is still possible to find insurance from 7.50 euros/month.
However, retired seniors will pay a little more and the most accessible price observed is around 10 euros per month for their mutual insurance.
>> Click here to compare health insurance and mutual health insurance
Freelancers can also pay less
According to data from ComparateurAssurance.com, self-employed workers can find mutual insurance for less than 10 euros per month, with a starting price of around 6.30 euros per month.
It all depends on age and region.
These elements can indeed explain the differences in the rates of mutual insurance companies.
Compare contracts if your health insurance is too expensive
If you find that the amount of your mutual insurance is too high, know that it is possible to compare simply and for free.
The savings are significant since on average you can lower your insurance by almost 38 euros per month when you are a single senior and even by almost 70 euros per month when you are in a relationship!
The level of coverage will, however, have an impact on the price of the insurance.
Note that some mutuals reimburse better than others, some will cover up to 400% for your dental care or hospitalization.
But for maximum coverage, it is sometimes better to pay a little more each month than to have to pay a large sum in the event of illness or accident.
*Data from the rate observed in 2022 on different profiles, 22-year-old employee in Metz, 56-year-old resident in Quimper...