Health insurance does not reimburse all health-related costs, there are what are called complementary health insurance.
To complete reimbursements but also to offer you additional care and services.
Whatever your profile and age, it is important to take out a contract to reduce the remaining charge and be covered for the day “when”… Bad news does not only fall in the lives of others!
How is the link established between L'Assurance Maladie and mutual health insurance?
A certain number of mutuals belong to the NOEMIE system, allowing the link between compulsory social security and complementary health insurance.
Present your third-party payment card when buying medication at the pharmacy, for example, and the reimbursement of expenses will then be made automatically, by teletransmission.
Your third-party payment card is sent as soon as the contract is signed and renewed each year.
If you always go to the same healthcare professionals and to the same pharmacy, your data will be saved until your third-party payment card is renewed.
On the other hand, if your mutual insurance company is not part of the NOEMIE system, you will then have to send the reimbursement statement sent by Social Security yourself.
How to change health insurance on ameli?
If you have decided to change health insurance and have already taken the steps with your new insurer, the termination of the NOEMIE teletransmission will also follow.
As a reminder, it is your new insurer, which takes care of the termination formalities after the old one.
Remember to give him the number of your old contract as well as your name, your date of birth and your address.
There is in principle no interruption of cover, even if the termination takes effect one month after receipt of the notification.
Log on to your ameli account to check that the new data has been transmitted and inform your doctors and pharmacist by giving them your new third-party payment card.
Why change health insurance?
There are different reasons that can lead to wanting to change mutual.
Perhaps you have spotted (thanks to online comparators in particular) a contract that offers a better guaranteed price ratio.
Perhaps your needs have changed a lot, without being able to find a suitable contract with your current insurer.
Or maybe you still need to rely on advisers who are more up to your expectations.
For all these reasons and more, a change of mutual can be considered.
Beyond one year, changing mutual insurance can be done at any time, without proof and without penalty.
I quickly compare mutual insurance contracts
Can we have several mutuals in connection with the Health Insurance?
From a legal point of view, it is possible to have two mutuals.
If you are an employee of a private company or an association, your employer is obliged to offer you, since January 1, 2016, complementary health insurance.
But this may not be right for you.
This raises the question of accumulation, to reinforce the level of protection provided by the mutual company.
Who says two mutuals subscribed says two mutuals in connection with Health Insurance?
Nope !
Only one mutual can benefit from teletransmission to be reimbursed for your health costs, in whole or in part.
The remaining charge, if there is one, can be covered by a second complementary insurance, but it is up to you to take the process by sending your benefit statements.
