What complementary health choose when one is a senior ?

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The choice of a complementary health is even more important when one reaches the age of fifty. Unlike active young people or couples, seniors face greater medical costs than other categories of population. But the agencies of insurance such as Cocoon are here to find solutions to them.

complémentaire senior

The choice of a complementary health is even more important when one reaches the age of fifty. Unlike active young people or couples, seniors face greater medical costs than other categories of population. But the insurance agencies such as Cocoon are here to find solutions to them.

A complementary health in line with my medical consumption

In fact, it is necessary to find a complementary health adapted to my needs. I have free time, whether I am active or retired, my personal and professional activities require to maintain a certain level of health. To do this, I can consult experts to inform me on some of the challenges or precautions. For example, in a sports activity outdoors, such as hiking, may require the advice of a cardiologist. I can also be led to make a call to practitioners for dental care, or need glasses or hearing aids.
To this, may also add special treatments that require medication, hospitalization, or total or home. Depending on my situation, my financial means and my expectations, the coverage of my complementary health must be sufficiently large, while respecting my budget. So far, a lower cost of contribution should not mean a decrease in benefits and safeguards proposed. In other words, a complementary health should look like me so that I can preserve my peace of mind, without contributing more than necessary.

Choose my complementary health with the best guarantees

Once the point has been made on my needs in terms of medical consumption, it is important to take into account other criteria to choose the formula that fits me. It is necessary to check the amount of refund that offers me my complementary health, as well as the manner in which it is argued (in percentage or in euros). In addition, it is necessary to ensure that

e the rate or the level of reimbursement is based (or not) on that of social Security. This will allow me to be more protected, lower costs, and avoid unnecessary costs.
In addition, the guarantees for hospitalization or dental care are to be taken into account to deal with any unforeseen events and cases of force majeure. Thus, with a sufficient coverage (from 200 % for a hospitalization, for example), I can cope with the most urgent need without ruin me. If I need glasses or if I am a follower of alternative medicine, there are other safeguards that can satisfy me. As to the proper reimbursement of routine care, it is particularly advisable, as they may arrive at more regular intervals.

Complementary health that fit my needs

A complementary health taken out at Cocoon can provide me with all of these services at a lower cost. The contracts are tailored to the needs of each individual. Offers Comfort or Comfort+, are especially valued by seniors, since they encompass the entire range of medical care : hospitalization, home care common, not to mention hearing, dental or optical. The formulas proposed health by Cocoon can even be adapted to my family situation, especially if I’m single.
In addition to the guarantees and protections of my insurance or add my mutual provident fund, subscription (possibility of a mutual online or seek the assistance of a broker mutual) is also clear that the rates. I don’t have time to wait for a possible termination after one year of membership, and that I can change my contract whenever I want and whatever the reason. Cocoon makes me also benefit from an accompanying single with the benefits of the network Santéclair, which puts me in relationship with specialists on the whole French territory.

The choice of a complementary health is a delicate subject. It is necessary to make the right trade-offs, in order to be covered on the essentials, while maintaining its budget.

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