5 tips for choosing a good health insurance
5 tips for choosing a good health insurance. The organizations that offer mutual insurance are numerous, between banks and mutual insurance companies there is enough to get lost. All of them offer attractive contracts on paper but which do not necessarily correspond to reality.
To be properly reimbursed in the event of a dispute, an
accident or water damage, for example, it is important to choose the right
mutual insurance company.
Play the competition
Start by getting quotes from many companies and notify your
insurer of your approach. Some will then offer very attractive contracts to win
a client. This technique works wonderfully for your auto mutual or for your
home.
Compare the offers of the companies on the internet thanks
to the online comparators. Enter your criteria (for a mutual it is important to
notify your mutual health organization) and put the results in parallel.
Take the time to carefully dissect the contracts
It is important to look at the quality/price ratio of your
mutual fund, keeping in mind the fact that a cheaper mutual fund is not
necessarily the best.
Examine all the guarantees offered and adapt the contract
according to your needs. For example, do not take the optical guarantee on your
mutual insurance contract if you do not wear glasses.
Know how to read between the lines and especially what is
written in very small. Check the amount of deductibles. For example, do not
take out multi-risk motorcycle or auto insurance if you own an old vehicle. Be
aware that a mutual reimburses your vehicle in the event of an accident up to
its argus rating.
Read Also: How to Avoid Running Out of Money in Retirement
Look at all the services that are offered
When subscribing to a life mutual, for example, pay
attention to the costs generated, in particular the management fees.
Normally, mutual life is used to enrich you and not to fill
the coffers of an establishment. To do this, you can calculate the net return
of your mutual or check its ranking online.
The mutual pension allows you to enjoy old days in peace
after years of hard work. There too, several contracts exist and it is
important to choose the right one so as not to contribute for thirty years for
nothing.
Consolidate all your mutuals
Bringing together all your mutuals with the same
organization makes it possible to obtain reductions on your various contracts
and to obtain good guarantees.
At the same time, you can negotiate them and assert your
right to be a good customer. Your insurer will do everything to keep you and
will offer you very attractive prices.
Assess their needs correctly
Know how to choose the contract that best suits your needs.
For example, if you live in an area where the risk of flooding is high, take
out mutual insurance based on this data.
Subscribe to services that will be useful to you, such as towing your car in the event of a breakdown and the loan of a vehicle if you drive a lot or you cannot do without your vehicle. (*)
