How do I apply for mutual support?
How do I apply for mutual support? To avoid paying the costs related to hospitalization in advance, you will have to apply for reimbursement from your health insurance fund.
Indeed, you are immediately reimbursed by your mutual health
insurance. Your health insurance company can choose to reimburse part or all of
your expenses by teletransmission.
Read Also: Choose a mutual health insurance adapted to your expectations
How is the request for coverage by the mutual insurance company carried out?
If your hospitalization has been scheduled for a long time,
it is necessary to choose your health establishment. Whether private or public,
it must be adapted to your needs. You can then seek advice from your doctor who
will guide you according to your pathology.
Indeed, you can also make a mutual comparison to compare the
prices charged in different establishments. Then, you will have to inform your
health insurance as soon as possible.
The care establishment you have chosen for hospitalization
(hospital or clinic) gives you a request for reimbursement. These documents
must be completed and sent to your health insurance 15 days before your
hospitalization.
This request must state the duration, the contact details of
the establishment concerned and the nature of your hospitalization (maternity,
surgery, convalescence, etc.). Visit www.hyperassur.com/ for more information.
How to make a request for mutual support
Some health reimbursements are made directly by the mutual
while others require a request for coverage according to your contract.
As soon as you arrive at the hospital, you must present your
health insurance card to be exempted in advance from the costs within the
limits of your guarantee. Your request for reimbursement by the health
insurance fund must be made by post.
Send your request for reimbursement to your health insurance
fund before the procedure concerned. Here are some steps to follow to have all
the guarantees before the medical intervention:
Request a quote from your attending physician;
Send the request for coverage to your mutual health
insurance;
Wait for the health care agreement before any intervention.
Generally, the mutual insurance company immediately sends
the reimbursement agreement to the health establishment which takes care of the
intervention. Do not hesitate to use a mutual health comparison to benefit from
the best guarantee.
Accommodation costs for hospitalization
During your stay in the hospital, the hospitalization costs
may increase which will lead to an excess fee. Indeed, if you are hospitalized
in a private or public institution under agreement, social security
reimbursement is reimbursed up to 80% of hospitalization costs (medication,
care, doctor's fees, etc.).
The remaining 20% will be paid by your mutual health insurance
or at your expense. The same applies to excess fees and any supplements and
hospital packages.
After reimbursement of 80% of the sum by social security, part or all of the remaining expenses can be covered by your mutual insurance company. (*)
