Can we do without health insurance?

Complementary health insurance is a product that the majority of French people have adopted. Many find it a necessity to purchase health insurance. But, according to a survey carried out by the High Council for the Future of Health Insurance in 2013, 4% of the population does not have complementary health insurance. So can we do without? Or is it essential? Answers.

It is possible to insure yourself ...

Do not take out health insurance such as that offered by the MAAF mutual for example is a risk insofar as the assumption of responsibility of a hospitalization can be impossible because of financial constraint. However, there is a fringe of the French who dare to do without this product so essential for nearly 96% of them. It’s a decision that presents several health risks, but is an entirely personal choice.

Indeed, there are people who have a different way of seeing the standards that people must adhere to in order to receive care and be taken care of in case of health concerns. Their vision of modern society, where being in good health thanks to a mutual health insurance is compulsory, is quite different. They see it as another possibility.

If the financing of 75% of current health expenditure (drugs, consultations, hospitalizations, etc.) of French people benefiting from complementary health insurance comes from health insurance, this means that doing without health insurance implies personal financing of their health spending. However, it is a choice and a personal commitment that are made with full knowledge of the facts.

... But under certain conditions

It is therefore possible to do without complementary health insurance, but there are prerequisites that must be met.

Already, you must be in good physical condition and show no signs of chronic disease. It is also necessary to estimate the cost that an individual insurance will represent compared to the subscription to a mutual health insurance by making a calculation of the different consumption in terms of care, not only over one year, but over several. If the additions have given more interesting figures through complementary health than individual insurance, it is advisable to stay at this point.

To be able to finance your own health expenses, you must also know control your personal finances. It is indeed a commitment that consists of saving a fairly large amount of monthly or annual income. After a certain period of time, the capital thus set aside will be able to cover the significant expenses that could arise in the event of a health problem, whether serious or minor. In the short term, the risk is still high and subscribing to a mutual health insurance is more than necessary. 

Other than that, you have to understand the non-final aspect of insuring yourself.From retirement, income decreases.However, health mutuals offer more suitable products for people aged 65 and over.Although the beneficiary has never taken out additional health insurance in their entire life, it is easy for them to obtain a mutual health contract called a "responsible and solidarity contract".There are no health obligations or penalty fees to pay.However, you have to know how to be patient about the waiting periods for expensive coverages (glasses, dental prosthesis, etc.).It usually takes 1 year to be reimbursed.