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Managing children's health is sometimes complicated to understand when you separate.
On which vital card are children attached?
Who pays for mutual insurance in the event of divorce?
Will both parents be reimbursed?
So how is the decentralization of your children's health contract going, let's take stock!
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How to manage your children's mutual insurance in the event of separation?
When parents separate, the question of mutual health insurance arises.
Who will pay for the children's health insurance?
Can children have two mutual insurance contracts?
First of all, it is important to note that you must notify your insurer in the event of divorce or separation if you have family mutual insurance.
Conversely, if each parent joins an individual mutual fund, this does not require any action.
But what about children's health insurance?
Again, it depends on the situation.
Here are the arrangements for custody of the child:
Exclusive custody: children are only attached to the mutual contract of the parent who has the right of custody
Childcare every other weekend and half of the school holidays: if the parents get along well, it is possible to link the children to the mutual contract of the one who has the most childcare time.
When the other parent incurs health costs, reimbursement will then have to be made.
Joint custody: this is also the case for the previous situation if the parents do not get along!
Health costs quickly become a headache with only 1 mutual contract for children.
The solution: each parent signs a mutual contract and adds their children as beneficiaries.
Do you benefit from company mutual insurance?
In the event of separation or not, you can reunite your children.
Moreover, some employers cover the contributions of rights holders!
Compare the best mutual insurance companies for children for free and without obligation
How does the double mutual attachment of children work?
The double mutual attachment of children allows them to appear both on the vital card and on the mutual insurance of both parents.
Double connection Social security, but not mutual: in this case, each parent connects their children to their vital card, but the additional reimbursement is only ensured by a single mutual contract.
This also works when the parents are not separated.
Double attachment Social security and mutual insurance: simply attach your children to the 2 vital cards and register them as beneficiaries on each mutual contract.
When your children consult a doctor, simply present your own vital card and the associated mutual insurance company will reimburse the remainder if applicable.
Double mutual attachment, but not Social Security: the parents are known on a single vital card, but additional reimbursement is provided by 2 mutual insurance companies.
Here, the mutual insurance of the entitled parent is then in the majority.
The second contract intervenes in addition if the reimbursement is not sufficient.
Good to know: if your mutual insurance is less covering than that of your ex-spouse, you can contact the other mutual insurance contract to complete the reimbursement!
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