Older people have a hard time getting a loan or insurance. For credit organizations, seniors do not have an excellent profile, especially if their age exceeds the life expectancy of the French. Therefore, it is particularly difficult to find a good complementary health care offer for elderly people. Here are the avenues to explore to find the best senior mortgage.
The particular situation of the elderly vis-à-vis insurers
Older people have a hard time taking credit or taking out insurance. Banks and insurers believe that the risk of death is quite high. This can prematurely break the signed contract and lead to quite significant losses for the credit organization. This situation pushes financial institutions to impose quite restrictive conditions. Before obtaining a loan or any type of coverage, seniors must prove that they are in good health. For this, the medical record will be required.
In all cases, the insurance premiums required will be far higher than those of a traditional mutual. Indeed, the elderly need several additional safeguards. It will be necessary to ensure that hospitalization costs are adequately covered. From the age of 60, the French spend an average of 5 days a year in hospital. Good health coverage is essential to limit expenses. The elderly also use alternative medicine. Hence the interest in choosing a formula that offers a satisfactory refund.
Despite everything, the elderly can find the best complementary healthcare offer. Currently, countless insurance companies are engaged in stiff competition. Some insurers try to stand out by offering a lower rate.
More and more specialized organizations are now present on the Internet. They offer different forms of health coverage. Some even have a municipality local authority attractive to officials.
Choosing the Best Senior Health Mortgage: Points to Consider
Seniors can access two types of formulas.
Group mutuals correspond to aa Complementary health signed by the employer. Upon retirement, the employee has the option to maintain this coverage. However, he pays all the dues.
By opting for individual mutual insurance, the senior will be entitled to a tailor-made contract. Therefore, the subscriber will choose the guarantees that seem essential to him. However, insurers often rely on standardized offers for people over the age of 55. This includes coverage of hospitalization costs and treatment associated with alternative medicine. Some establishments also reimburse the amounts spent on hiring a personal assistant.
To quickly find the formula that best suits your situation, all you have to do is do some research on the web.