Everything you need to know about supplementary insurance

By Hervé , on January 24, 2023 , updated on April 18, 2023 - 5 minutes to read

Supplemental insurance is a way to provide additional financial protection in the event of illness, injury, death or other difficult circumstances. They can help cover expenses that are not covered by basic insurance. It's important to understand how supplemental insurance works so you can make the best decision for your family. In this article, we'll discuss the following: the type of supplemental insurance, what they cover, and how to choose the right plan for you and your family.

What are the complementary insurances?

Supplementary insurances are contracts that can be taken out in order to complete a health insurance and/or a life insurance. They provide greater security for individuals, families and businesses. These policies can cover unexpected expenses, such as medical expenses and costs related to job loss, as well as other expenses incurred in the event of illness or death. In some cases, these supplemental policies can also provide some protection against the risk of financial mismanagement or lack of access to appropriate care. It is important to understand how supplemental insurance works before purchasing it to ensure that you get the best possible coverage at the best possible price.

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How does supplementary insurance work?

Supplementary insurance is a product that supplements the less extensive coverage of basic health insurance. They offer additional care such as drugs, surgeries and more beyond what is covered by basic health insurance. Supplemental insurance benefits may vary depending on the type of policy and insurance provider chosen, but they can include a wide variety of services and reimbursements. Supplemental insurance is often offered to individuals or employers for their employees. They allow policyholders to access a higher level of care and greater financial protection in the event of illness or accident.

What benefits do supplemental insurance policies offer?

Supplementary insurances offer policyholders additional benefits compared to their social insurance contract. Supplementary insurance policies are contracts offered by mutual insurance companies that supplement social security benefits and cover expenses not covered by social security. Complementary insurance contracts are very varied and can include a range of guarantees from hospital, dental and optical benefits to the coverage of medical expenses in case of hospitalization or special examinations. They also provide better access to treatment or care, as well as better coverage for health-related expenses. They can provide effective protection against the financial consequences of hospitalization or expensive medical treatment.

How do I buy supplemental insurance?

The process of purchasing supplemental insurance is fairly straightforward. First, you need to find the policy that best suits your needs and budget. Then, you will need to fill out all the relevant documents and pay the application fee. Once you have signed the contract, the insurer will evaluate your application and determine whether it is accepted or not. Finally, if your application is accepted, your medical expenses will be reimbursed immediately and you will be able to benefit from the additional advantages offered by the complementary insurance.

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What are the costs of supplementary insurance?

Supplementary insurance is an insurance contract that supplements the reimbursements made by the basic health insurance plan. The costs of supplemental insurance vary depending on the type of contract and the level of coverage chosen. In most cases, costs are determined by zip code, type of insured and the premiums charged by the insurance company. Rates can be applied on a yearly, monthly or even daily basis, depending on the type of policy and the level of coverage chosen. It is important to understand the terms of the policy before purchasing supplemental insurance to ensure that you have adequate coverage in the event of illness or accident.

Les assurances complémentaires sont des polices d’assurance qui couvrent les frais médicaux et autres dépenses liées aux soins de santé qui ne sont pas couverts par votre régime d’assurance maladie de base. Il existe plusieurs types d’assurances complémentaires, tels que l’assurance dentaire, l’assurance vision ou encore l’assurance voyage. Chacune offre une protection supplémentaire pour un domaine spécifique afin de répondre aux besoins individuels des assurés.


The conclusion is that supplemental insurance is a valuable tool to help people manage their health and finances. Different types of insurance can help pay for expensive medical care and reduce the financial strain that can result. Studies indicate that people who have supplemental insurance tend to be more satisfied with their medical care, less stressed, and have fewer financial problems related to the cost of medical care. Ultimately, using supplemental insurance is a smart way to protect your health and finances.

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