The nomenclature and care outside their repayments

First, it is necessary to clarify that the term "care outside nomenclature" was defined by Social Security itself to refer to any act of health care and not on the list of products and services (LPP) that it did not pay. Indeed, only health care and acts appearing on the LPP will have conventional tariffs, on which the percentages of reimbursement of health insurance or Ameli may apply.

The share of mutual care outside the nomenclature

Then it is necessary to remember that mutual generally consider as a basis for reimbursement these conventional tariffs for their complementary percentage. While Social Security takes an average of over 70% of conventional tariffs by way of reimbursement of health insurance companies, mutual support and 30% based on the same conventional tariffs. As a result, mutual does not reimburse well when there is no conventional rates, and do not reimburse care outside nomenclature.

That said, in recent years, mutual trying to expand gradually their guarantees in order to be more competitive in the market. That is why some now offer mutual support in the private room, the bed accompanying, alternative medicine, etc.. Later, other offers mutual also appeared to support care outside nomenclature much more important, such as dental implants, adult orthodontics, surgery for myopia and so on. These offers are often called each other a mutual dental, mutual regard, mutual hospitalization etc.. Of course, their rates are higher than those of conventional mutual, but some insurers offer yet very good quality / price ratio.

This last point raises the importance of mutual compare prices on the market, if you are looking for a supplemental health coverage can provide you with a reimbursement of out nomenclature. To do this, mutual comparators are available, for a detailed comparison of bids.