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Guarantees REFERENCE

You want to have essential safeguards.
solutions Reference, Reference 1 and Reference 2 offer solid protection while sparing your budget.

REFERENCE

Reimbursement rates are expressed as a percentage of agreement Tariff (CT) including reimbursement of Social Security.

Routine Care: 100% agreement rate.

Drugs: 100% agreement rate + Repayment of flu vaccine.

Sight: 100% agreement rate + 40 euros per year per insured.

The Audition: 100% agreement rate.

care and dentures
- Dental care: 100% tariff convention Dentures: 100% agreement rate

Hospitalization

- Subsistence in contracted establishment:
Actual costs - Costs of stay in non-contracted facility: 100% tariff convention fees contracted establishment in 100% of the fee agreement
- Fees institutional non-contracted 100% of tariff convention

Daily hospital : real costs-Hospitalization at home: 100% agreement rate Movers: 100 % of agreement rate-maid, nurse during the 20 days leaving the hospital (within 40 hours)

The spa
100% agreement rate

Children
tutoring in the absence of more than 15 days.

REFERENCE 1


Routine Care
100% agreement rate.


Drugs 100% agreement rate + Repayment of flu vaccine.

The view
100% agreement rate + 60 euros per year per insured.

Hearing
100% agreement rate.

care and dentures
- Dental Care: 100% tariff convention Dentures: 100% agreement rate + 60 euros per year per insured.

Hospitalization
- Subsistence in contracted establishment:
Actual costs - Costs of living in an institution not under agreement: 100% tariff convention fees as contracted establishment: 300% agreement rate
- Fees in institution not under agreement: 100% agreement rate
- Daily hospital : actual costs
- Hospitalization at home: 100% agreement rate Movers: 100% tariff convention Private room: 30 euros / day-bed cover: 15 euros / day-maid, nurse during the 20 days following discharge from hospital (within 40 hours)

The spa
100% agreement rate.

Children
- Welcome Bonus: 60 euros-Orthodontics: 30 euros per half-tutoring in the absence of more than 15 days.


REFERENCE 2


Routine Care
125% of the fee agreement.


Drugs 100% agreement rate + Repayment of flu vaccine. The view


125% agreement rate + 100 euros per year per insured.

Hearing
125% agreement rate.

care and dentures
- Dental care: 125% agreement rate
- Dentures: 125% agreement rate + 100 euros per year per insured.

Hospitalization
- Subsistence in contracted establishment: Actual costs
- Subsistence Institutional non-contracted: 125% agreement rate
- Fees contracted establishment in 300% of tariff convention fees in non-contracted facility: 125% agreement rate
- Daily hospital : real costs-Hospitalization Home: 125% agreement rate Movers: 125% tariff convention Private room: 50 EUR / day Cot accompaniment: 15 euros / day
- Home help, care patient during the 20 days following the release of hospital (within 40 h)

The spa
125% agreement rate

Children
- Welcome Bonus: 100 EUR-Orthodontics: 125% agreement rate + 40 euros per half-tutoring in the absence of more than 15 days.

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AXA Health Health Insurance - Top guaranteed

What are the main guarantees of a complementary health?

at AXA a wide range of innovative and competitive products is available. As you select them according to your needs.


An extended complementary health reimburse expenses incurred for: consultations and medical care, pharmacy, hospitalization, care and dentures, optics, hearing aids, the premium for the birth of a child, spa treatments.

Caution: do not expect to be sick or have large health expenditures to purchase complementary health! Also, you can at all times of your life, change your guaranteed contract (birth a child, retirement).

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Why the Health Insurance? ACT

Why take out health insurance?


Reimbursements of medical expenses by the Social Security rarely correspond to actual expenditure. The complementary health insurance (often called mutual) allows a refund of all or part of the expense is not supported by Social Security, depending on the option you selected contract.



Health is poised to become the first budget of the household. Medical consultations, dental, optical, medicines and other medical expenses have been quick to burden the family budget. Especially since Social Security does not support that part of medical care. Therefore, if you do not have health insurance (or mutual) through your company, it is recommended to take out supplementary health as its name suggests, will complement the Compulsory . This add up to a full refund of costs incurred. The investment options that offer the highest rebates are also the most expensive.


My advice: Beware of the elimination period or waiting time (during which you are not yet covered) imposed when you subscribe to a complementary health. In AXA , there is no waiting period or waiting period .