Faut-il inscrire à une assurance santé ?
Les urgences médicales peuvent survenir à tout moment. En raison de l’augmentation du coût des soins de santé, il est indispensable de disposer d’une assurance maladie pour faire face à de telles urgences. Cependant, il existe plusieurs mythes sur l’assurance maladie concernant le moment où il faut en souscrire ou les avantages qu’elle procure.
Les jeunes ont-il besoin d’assurance maladie ?
Le nombre d’affections est faible ou nul pour les personnes au début ou au milieu de la vingtaine et, en général, elles ne nécessitent pas beaucoup de soins médicaux. Et comme elles n’ont pas besoin de soins médicaux, beaucoup estiment qu’elles n’ont pas besoin de souscrire une assurance maladie.
Même si vous êtes jeune et en bonne santé, vous pouvez tomber malade à tout moment. Après l’épidémie de COVID-19, de nombreux jeunes sont tombés malades à cause du virus et ont dû être hospitalisés. Le coût du traitement pour COVID-19 peut aller jusqu’à 100 à 1500 euros et ne pas avoir d’assurance signifierait qu’il faudrait payer de sa poche. Là encore, si une personne a un accident et doit être hospitalisée pour des soins médicaux, elle doit payer de sa poche au cas où il n’y aurait pas d’assurance maladie.
En outre, en cas de maladie préexistante, il existe une période d’attente de deux à trois ans dans l’assurance maladie pour ces maladies. Pendant cette période, si l’assuré est admis à l’hôpital en raison d’une affection liée à cette maladie, celle-ci ne sera pas prise en charge par la compagnie d’assurance maladie. Ainsi, en achetant une assurance maladie à un stade précoce, avant qu’une maladie ne se déclare, on s’assure de ne pas devoir passer par la période d’attente. Pour plus d’informations, visitez le comparateur mutuelle dentaire.
Régime d’assurance maladie d’entreprise
Un certain nombre de personnes qui sont couvertes par la politique de santé de leur employeur n’estiment pas nécessaire de souscrire une assurance maladie distincte. Il y a plusieurs raisons à cela. Tout d’abord, les avantages qu’elles tirent d’une politique d’entreprise sont similaires à ceux d’une politique de santé individuelle. Deuxièmement, il n’y a généralement pas de délai de carence pour une maladie préexistante dans le cas d’une assurance maladie d’entreprise. Troisièmement, le montant de la prime pour une assurance maladie d’entreprise est payé par l’employeur.
Le fait d’avoir une couverture santé en entreprise apporte une certaine tranquillité d’esprit, mais vous ne pouvez pas en dépendre entièrement. Tout d’abord, si vous perdez votre emploi, la prestation de l’assurance maladie cessera également. De plus, compte tenu de l’inflation des frais médicaux, la couverture offerte par les offres d’assurance maladie d’entreprise pourrait ne pas être suffisante.
Les avantages de l’assurance maladie commencent dès le premier jour
Il existe une idée préconçue selon laquelle vous pouvez bénéficier des avantages de l’assurance maladie dès le jour où vous souscrivez l’offre.
C’est une idée totalement fausse. Tous les plans d’assurance maladie sont assortis d’un délai de carence initial d’un mois, pendant lequel vous ne pouvez faire aucune demande de remboursement. Ensuite, certains plans d’assurance maladie prévoient une période d’attente d’un an pour des maladies spécifiques comme les amygdales, les hernies, les cataractes, etc.
En dehors de cela, toutes les offres ont un délai d’attente de deux à trois ans pour les maladies préexistantes. Toutefois, pour de nombreuses offres d’assurance maladie pour personnes âgées, le délai d’attente pour les maladies préexistantes est d’un an. Cela s’explique principalement par le fait que les cas d’hospitalisation sont plus nombreux chez les personnes âgées. Mais si la période d’attente est plus courte pour une offre d’assurance pour personnes âgées, il existe une clause de co-paiement. La compagnie d’assurance paie une partie de la facture médicale, tandis que l’assuré paie le reste.
Les maladies préexistantes
Beaucoup de gens cachent leurs maladies préexistantes à la compagnie d’assurance maladie. Ils partent du principe que s’ils ne révèlent pas leurs maladies préexistantes, la compagnie d’assurance maladie les couvrira. La compagnie d’assurance maladie suppose que si vous avez une maladie préexistante, vous la lui révélerez lors de la souscription de l’offre. Toutefois, si vous ne le faites pas et que la compagnie d’assurance apprend que vous souffrez de cette maladie lorsque vous faites une demande de remboursement, votre demande peut être rejetée.
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