Which health insurance to choose when you are at 100%?

Which health insurance to choose when you are at 100%? 100% coverage by Social Security is not linked to facilities in retirement homes, but is provided by health insurance in the event of ALD.

100% payment applies only to medical treatment related to this situation. Health insurance can be used for other medical examinations such as the cost of optics and dental prostheses.

Depending on the formula, the mutual also provides other services, such as hospitalization costs, private rooms, vaccines and others.

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Is the senior mutual necessary for the ALD?

The long-term condition, abbreviated as ALD, is a serious chronic condition that can sometimes be covered 100% by social security separately, but often it requires senior mutual insurance.

According to the WHO report, chronic diseases are the cause of 63% of deaths worldwide, and therefore the main cause of death.

These chronic diseases like stroke, cancer, heart failure, cancer, Alzheimer's disease, Parkinson's disease, chronic respiratory diseases, etc.) usually develop quite slowly and therefore incur many costs medical.

The AME: a good mutual health insurance

The AME or State Medical Aid is a system that allows foreigners in an unstable situation in abnormal conditions and in France (outside mainland France and DOM-Mayotte) to benefit from free care.

In the event of illness and maternity, the costs of medical and hospital care are covered at 100%: dental care and prostheses, optical equipment, medical transport, medical costs related to pregnancy, etc.

However, this coverage is limited to the basic social security rate, which in some cases can leave a lot of room for maneuver to AME beneficiaries.

CSS or complementary health insurance: 100% coverage

Insured persons with supplementary health insurance will benefit from a 100% reimbursement of medical expenses. This subsidy is allocated on the basis of the financial resources of persons residing legally in France (regularity by the law relating to the residence of foreigners).

Resources below a certain level are free solidarity health supplements, which correspond to the maximum amount applicable to the CMU-C.

If applicants exceed the upper limit to benefit from free medical services, as long as they do not exceed the old upper limit of resources to benefit from ACS, they can still benefit from supplementary solidarity medical insurance.

But in this case, the insurance is no longer free: the beneficiary must pay monthly, and the amount will increase with age. (*)