If subscription to mutual insurance is optional, it is nevertheless strongly recommended to supplement health reimbursements from Social Security. This even if you are in good health, because an accident involving hospitalization can be very costly.
How does the healthcare system work in France?
Social Security is the basis of the healthcare system in France. All French citizens are automatically affiliated with Social Security from birth. Its mission is to cover medical costs up to 15 to 80% depending on the acts.
If you’re interested, we made an article comprehensive report on the functioning of the health system in France. It is by HERE.
The mutual also called Complementary Health, is optional and supplements the reimbursement of medical expenses after that of Social Security. It therefore makes it possible to limit or even completely absorb the amount remaining at your expense.
For example, you have a painful fall on a scooter, you are hospitalized for 3 days and it costs you 5000€. Social Security reimburses you 80% or €4,000. Without mutual insurance, you will have to pay €1,000 out of your pocket.
How do you determine your health needs?
A mutual is chosen individually, according to his personal state of health. It is advisable to carry out a complete assessment, in order to determine the needs exceeding the care covered by Social Security and therefore any additional costs: chronic illness, wearing of glasses, dental care, etc.
If you are a student, you have the possibility of being attached to your parents’ mutual insurance company, but the rates are higher and the services less suitable.
At HEYME we take into account the general good health of young people, which allows us to offer lower prices and above all we listen to their real needs to offer them suitable guarantees (condom packages, 24-hour medical teleconsultation, good deals, etc.) .
How to choose your HEYME mutual?
At HEYME we offer comprehensive coverage and 4 levels of guarantees to adapt to everyone’s needs.
Again, it all depends on your personal health record. To help you find the formula that suits you, we have put in place, at the time of subscription, a questionnaire (here) to understand your needs.
- How old are you ?
- Do you have any specific optical needs (glasses, contact lenses, etc.)?
- Do you have any specific dental care needs (crowns, prostheses, etc.)?
- Do you regularly consult specialist doctors (ENT, dermatologist, surgeon, cardiologist, etc.)?
- Do you want to be covered mainly in the event of hospitalization or illness?
In 5 questions, we will recommend the guarantee made for you and you will be able to compare it with the other levels to be sure to make the right choice.
All our mutuals include civil liability and repatriation assistance abroad.
Also, regardless of the level chosen, our offers include access to medical teleconsultation 24 hours a day and unlimited. So you can consult a doctor from your smartphone and directly from your sofa! Handy when you have busy days.
We also provide you with an app to consult your reimbursements, download your third-party payment card, send us your documents or find a doctor near you!
And finally, you have access to a platform of good deals and discounts on your favorite brands: shopping, cinema, restaurant…
I discover !
How do refunds work at HEYME?
Once you have joined one of our health mutuals, you will have to provide us with:
- A rib (bank details) to receive reimbursements on your account or the one you have chosen (parents, spouse)
- A copy of your Social Security affiliation certificate (or your affiliate number) so that we can get in touch with your Caisse Primaire d’Assurance Maladie (CPAM) and activate the remote transmission.
Attention ! Without teletransmission, you will have to connect to your personal space of the Social Security on the site ameli.frdownload your reimbursement statement and send it to us electronically via our contact form HERE
And at HEYME, what does mutual insurance give?
At HEYME from €9.90/month we cover your essential needs: hospitalization, routine care, pharmacy. And if you need extended coverage, we offer 4 levels of guarantees to meet your expectations.
Regardless of the level chosen, you have unlimited access to medical teleconsultation 24 hours a day with ABI. You can consult a doctor from your smartphone and directly from your sofa!
We also provide you with an app to view your reimbursements, download your third-party payment card, send us your documents and find a doctor near you!
And the icing on the cake… an app with good deals and discounts on your favorite brands: shopping, cinema, restaurant…
👉 HEYME student mutual