Know all about the waiting period of a mutual health

If you are considering the termination of your insurance current to take a more adapted to the needs of your senior, you’re going to have to compare the different complementary market based on several criteria, including the waiting period. Focus on this term and what it implies into your contract of mutual.

délais carence mutuelle

What is the waiting period mutual ?

Term used in the legal community, the elimination period is defined as a latency, that is to say, a period that must be respected between two facts. If in terms of labour law, the waiting period corresponds to the period that an employer must wait between the hiring of two CDD on a same post, he refers to the contracts of mutual time between your adherence to the supplementary health care and the actual start of any of your warranties refund. In a way, it is a period during which you can not enjoy the benefits of your mutual.

By this waiting period, also called period of probationary or waiting period, complementary health want to avoid that members sign their contract of mutual little time before engaging in any health costs that are already planned. Similarly, when a doctor prescribes a work stoppage, the beginning of your period of inactivity, which is not supported by health Insurance, is also called the waiting period.

How long is this waiting period mutual ?

The question of the waiting period not being regulated by the Code de la mutualité (on the contrary, for example, that of the health questionnaire), its duration is left to the sole discretion of each mutual. It is, therefore, a comparison criterion is important to consider, when one wishes to engage with a new agency of supplementary health, for example, as a new senior, who wants to stop his mutual mandatory to choose a most suitable for you. Registered by the mutual societies in the contract of their members, the waiting periods are in general from 1 to 3 months for the majority of warranties that are the subject. But this latency period can be up to 9 months or even 1 year for some cases, such as the high costs of optical, hearing and dental, as well as for maternity, it is logically known in advance.

Example of the waiting period mutual

Let’s take a concrete example so you can understand the principle of the elimination period. If you have signed a contract of mutual, which provides for a waiting period of 3 months for the purchase of new frames and lenses, and you lose your glasses 1 month after your membership, you will not be covered in case you buy a new pair as a replacement, immediately after their loss. For the warranty of your mutual, you will have to wait 2 months after the loss of your glasses, which will exceed the waiting period.

Also, be aware that there can be exceptions to the waiting period. Some mutual insurance companies may, for example, the repeal of this period in specific cases, such as that of a serious infectious disease that has been contracted after the accession to the contract, or a refund that would have been supported by your previous mutual that you just withdraw. So remember to ask your future insurance if it provides for the case of a repeal of its waiting periods.

Make the choice of the right mutual according to their waiting periods

If the elimination period must be taken into account as one of the criteria of choice of your future is mutual, you also need to know that complementary health through the establishment of waiting periods important are usually the ones who have the best warranties. In exchange for this wait time, you’ll logically repayments more interesting on the benefits in the most demand, and this over a longer period.

In Cocoon, a group specializing in the health of seniors, there is no waiting period when the hospitalization is a result of an accident. If you want to terminate your insurance current, be aware that a termination to the maturity date of your contract will be the process most easy, but that the Law Chatel and termination also allows you to opt-out at any time off due.
A change in your insurance contract may in fact be necessary for different reasons, find out in which cases a change of the mutual is advisable, and how to put an end to your contract.

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