Four main points are considered: accidents, illness, dental, optical expenses. To you determine the payback percentage based on your needs, if you do not wear glasses, you can reduce the rate of reimbursement of the cost to reduce optical insurance.
mercredi 23 mars 2011
What is a refund of 200% or 300%?
This is the rate of reimbursement based on the scales of social security.
Some doctors may charge higher fees ...
for reimbursement at 200%: 2 x 22 € - 14.4 € (amount taken up by social security)
for reimbursement at 300%: 3 x 22 € - 14.4 €
Some doctors may charge higher fees ...
for reimbursement at 200%: 2 x 22 € - 14.4 € (amount taken up by social security)
for reimbursement at 300%: 3 x 22 € - 14.4 €
Why take out health insurance?
Health insurance allows you to overcome the financial risks relating to the termination of your employment. In case of illness, social security supports a portion of your medical expenses (variable depending on the accident, illness, care costs, etc.).. To the left is your health insurance takes over. This insurance allows you to cope with contingencies for you and your family. Prices health insurance can be distinguished by the age of the subscriber, its social system (Employee, TNS, etc..), and the rate of reimbursement in respect of general care, hospitalization, dental care, fresh and optical care.
How to reduce the price of my health insurance?
Compare prices and get health insurance rates. Get a customized offer tailored to your needs in just a few clicks with the comparator AssurProx. Health insurance companies are: Swiss Life, MMA, Alptis, April, Direct Insurance, etc..
Dog insurance: is it mandatory?
Having a pet involves duties, to the animal itself by giving respect and care for others and if the animal causes damage to another person. If you own a dog, you are responsible for the act of your pet. Who said liability protection said. Are you protected against damage caused by your dog? What law applies?
The law holds as head keeper of the dog, namely the owner or person from whose custody has been transferred permanently (Article 1385 Civil Code). In case of accident or damage caused by the dog, the victim need not prove guilt, it must simply determine the injury caused by animals. At first your home insurance covers damage and injury caused by your pet with the liability coverage included in most comprehensive home contracts. The insurance will reimburse any damage to property and body which would be third victim. If custody of your pet is left to a professional (kennel, veterinary), there is automatically a transfer of custody, its professional liability insurance plays in this case. However if a guard occasionally (at a friend or neighbor for example the time of a weekend), the very person to whom you entrust your dog should check their insurance may cover this kind of risk. This automatic coverage through homeowners' insurance does not apply to dogs in categories 1 and 2.
The concept of a dangerous dog effect varies according to race. Dogs are considered Class 1 (attack dogs) dogs bred Staffordshire Terrier and American Staffordshire terrier, commonly called "pit bulls", or the Boer bull mastiffs and dogs of breed "Tosa". In category 2, are listed watchdogs and advocacy such as Rottweilers and morphology similar to those without pedigree. Apart from the fact that the owners of such hounds must comply with legal obligations (sterilization, declaration hall, muzzling, certificate of fitness) and as their responsibility is greater in case of accident, they must purchase insurance liability including risk relating to the possession of dangerous dog. All insurance cover will not accept the risk. If you are considering adopting a dog from category 1 or 2, check with your insurance if it extends the warranty of your comprehensive home: if she accepts, your premium will increase by more than a hundred euros. The alternative is to sign a contract with a company specialized SantéVet as market leader for pet insurance. In addition to covering veterinary care for your dog, you have the option of civil liability for a few dollars more per month. These contracts are subject to deductibles.
The law holds as head keeper of the dog, namely the owner or person from whose custody has been transferred permanently (Article 1385 Civil Code). In case of accident or damage caused by the dog, the victim need not prove guilt, it must simply determine the injury caused by animals. At first your home insurance covers damage and injury caused by your pet with the liability coverage included in most comprehensive home contracts. The insurance will reimburse any damage to property and body which would be third victim. If custody of your pet is left to a professional (kennel, veterinary), there is automatically a transfer of custody, its professional liability insurance plays in this case. However if a guard occasionally (at a friend or neighbor for example the time of a weekend), the very person to whom you entrust your dog should check their insurance may cover this kind of risk. This automatic coverage through homeowners' insurance does not apply to dogs in categories 1 and 2.
The concept of a dangerous dog effect varies according to race. Dogs are considered Class 1 (attack dogs) dogs bred Staffordshire Terrier and American Staffordshire terrier, commonly called "pit bulls", or the Boer bull mastiffs and dogs of breed "Tosa". In category 2, are listed watchdogs and advocacy such as Rottweilers and morphology similar to those without pedigree. Apart from the fact that the owners of such hounds must comply with legal obligations (sterilization, declaration hall, muzzling, certificate of fitness) and as their responsibility is greater in case of accident, they must purchase insurance liability including risk relating to the possession of dangerous dog. All insurance cover will not accept the risk. If you are considering adopting a dog from category 1 or 2, check with your insurance if it extends the warranty of your comprehensive home: if she accepts, your premium will increase by more than a hundred euros. The alternative is to sign a contract with a company specialized SantéVet as market leader for pet insurance. In addition to covering veterinary care for your dog, you have the option of civil liability for a few dollars more per month. These contracts are subject to deductibles.
Pet insurance: to keep them close to home as long as possible.
Humans are not the only ones who see their life expectancy longer. Animals are also living longer and healthier lives. It is estimated that their longevity has doubled in three decades thanks to advances in veterinary medicine. The French love dogs and cats is the same European country has the most pets: 60 million cats, dogs, small rodents, birds and fish share the life of French families. But if one in two households owns a pet, in insurance dedicated to animals, our country has a considerable delay, as only 4% of dogs and cats would be covered by health insurance. It is far from the level of excellence of the Swedes with 80% of cats and dogs are insured, and always behind by the British with 30%.
The pet insurance sector is relatively recent, which has still not taken off in this country. Leader in this field, SantéVet was born in 2003, the companies have not yet really developed satisfactory formulas for the greatest number at competitive prices, competition in the field is probably little perennial. Insuring your dog or cat is not required, except for dogs Category 1 and 2 classified as dangerous dogs. It is even one additional position to provide in the family budget, and despite all the love that we can bring to your pet, provide an assessment of insurance may seem unnecessary and impossible for some households to time when all contributions are increasing.
Deciding to buy or adopt a dog or cat involves duties that go beyond the bowl of kibble or a simple caress. For a loving and conscientious teacher, pay for health coverage is a natural extension of the duty of care he has for his pet. The status of the animal has evolved in modern society, and most teachers accountable, the cat or dog is part of the family, a household member that wishes to remain close to home as long. But if veterinary medicine has made considerable progress, it is also very costly. Insurance for your pet avoids having to do without this or that review because it is too expensive.
At the equal of a mutual health for humans, animal health insurance is based on several guarantees, tariffs evolve depending on the options. In SantéVet, the formulas have a refund of 50%, 70% or 100% of veterinary fees incurred (medication and surgery). Often the age of the animal is taken into account, some companies refused to insure the animals are too old (beyond 5 or 8 years). In SantéVet, age is a factor depending on the coverage chosen, the breed is also used as a criterion for calculating the amount of the contribution. It is best to ensure your pet after her 2 months before his 5 years. Light the formula for a dog reimburse veterinary costs up to 50% for a monthly fee of 13,90 € (with a maximum annual rebate of € 1 100). Then there are formulas for Premium Comfort and coverage of 70% and 100%. it is possible to add options such as guaranteed research support (0.99 € per month) or death benefits (compensation of 510 € due to accident or illness by age).
The pet insurance sector is relatively recent, which has still not taken off in this country. Leader in this field, SantéVet was born in 2003, the companies have not yet really developed satisfactory formulas for the greatest number at competitive prices, competition in the field is probably little perennial. Insuring your dog or cat is not required, except for dogs Category 1 and 2 classified as dangerous dogs. It is even one additional position to provide in the family budget, and despite all the love that we can bring to your pet, provide an assessment of insurance may seem unnecessary and impossible for some households to time when all contributions are increasing.
Deciding to buy or adopt a dog or cat involves duties that go beyond the bowl of kibble or a simple caress. For a loving and conscientious teacher, pay for health coverage is a natural extension of the duty of care he has for his pet. The status of the animal has evolved in modern society, and most teachers accountable, the cat or dog is part of the family, a household member that wishes to remain close to home as long. But if veterinary medicine has made considerable progress, it is also very costly. Insurance for your pet avoids having to do without this or that review because it is too expensive.
At the equal of a mutual health for humans, animal health insurance is based on several guarantees, tariffs evolve depending on the options. In SantéVet, the formulas have a refund of 50%, 70% or 100% of veterinary fees incurred (medication and surgery). Often the age of the animal is taken into account, some companies refused to insure the animals are too old (beyond 5 or 8 years). In SantéVet, age is a factor depending on the coverage chosen, the breed is also used as a criterion for calculating the amount of the contribution. It is best to ensure your pet after her 2 months before his 5 years. Light the formula for a dog reimburse veterinary costs up to 50% for a monthly fee of 13,90 € (with a maximum annual rebate of € 1 100). Then there are formulas for Premium Comfort and coverage of 70% and 100%. it is possible to add options such as guaranteed research support (0.99 € per month) or death benefits (compensation of 510 € due to accident or illness by age).
Insuring your pet: do it as soon as possible.
Having a pet cat or dog to take the animals most widely adopted, implies the responsibility of the master: to look after him and make all necessary means to a life full of respect. Pamper your pet is also medical insurance, because an animal is not immune to health problems or accidents. Animal medicine is expensive and progress in this area adds further costs to a master who wants to keep his pet as healthy as possible. The pet insurance available to assist owners of pets to meet the medical expenses and are in the same way that mutual to humans, an essential protection.
Vaccinating your pet is the first step in the implementation of the master role. Then the medical care that is required for several reasons, be done earlier in the life of the animal. Upon adoption or when the animal is over 2 months (below the companies do not), take out supplementary health or mutual stands for his animal welfare. When one wishes to his animal, he must ask the question of medical monitoring and to meet the costs associated with accidents. Care for animals are expensive and when modern technology is needed to diagnose and treat (ultrasound, laboratory tests), the note can quickly climb and the owner will not be able to pay it.
A wide range of insurance products pets are on the market and even if France is obviously very late in the matter, we can find a mutual very little money to cover basic needs. For the basic formulas, are taken into account that the surgery (between 6 and 40 € €). Then come more elaborate contracts where payments also cover the vaccination, prevention and assistance. Just as a puppy less than 2 months can be assured it will be very difficult to ensure a dog is already 10 years old.
In SantéVét, all warranties cover illness and injury which account for 80% of medical expenses for animals. Contract rates are calculated based on the breed and size of the animal. From 15 € per month, the owner will be refunded to the subscriber 50% of the costs.
The role of veterinarians is paramount. If the order prohibits them from selling their own insurance, they have a duty to provide advice to teachers, urging them to ensure their animals and raise the cost of animal health and its impact on decision owners' decision to treat or not their pet.
Vaccinating your pet is the first step in the implementation of the master role. Then the medical care that is required for several reasons, be done earlier in the life of the animal. Upon adoption or when the animal is over 2 months (below the companies do not), take out supplementary health or mutual stands for his animal welfare. When one wishes to his animal, he must ask the question of medical monitoring and to meet the costs associated with accidents. Care for animals are expensive and when modern technology is needed to diagnose and treat (ultrasound, laboratory tests), the note can quickly climb and the owner will not be able to pay it.
A wide range of insurance products pets are on the market and even if France is obviously very late in the matter, we can find a mutual very little money to cover basic needs. For the basic formulas, are taken into account that the surgery (between 6 and 40 € €). Then come more elaborate contracts where payments also cover the vaccination, prevention and assistance. Just as a puppy less than 2 months can be assured it will be very difficult to ensure a dog is already 10 years old.
In SantéVét, all warranties cover illness and injury which account for 80% of medical expenses for animals. Contract rates are calculated based on the breed and size of the animal. From 15 € per month, the owner will be refunded to the subscriber 50% of the costs.
The role of veterinarians is paramount. If the order prohibits them from selling their own insurance, they have a duty to provide advice to teachers, urging them to ensure their animals and raise the cost of animal health and its impact on decision owners' decision to treat or not their pet.
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