Family mutual insurance covers the entire household with a single premium, shared rates, and benefits tailored to each age. Compare plans to find the best one for your budget.
Protecting your family's health means anticipating medical expenses and ensuring worry-free access to care. Choosing the right family mutual insurance plan effectively covers both the couple and children—often up to age 25—with a single contract, a single premium, and simplified management. Let's discover together how to choose the plan best suited to your needs.
What is family health insurance?
Family mutual insurance is a supplementary health insurance policy that covers all members of your household (spouse, children, and possibly ascendants or dependents) under a single contract and a single premium. This simplifies administrative procedures and guarantees uniformity of coverage within the family.
Why choose family mutual insurance?
Main advantages
- Shared rates : contributions are often reduced according to the number of people covered, generating substantial savings.
- Administrative simplification : a single contract, a single contact, less paperwork.
- Guarantees adapted to all ages : increased reimbursement for optical and dental care, hospitalizations, or specific needs (orthodontics, prevention, etc.).
- Equality of beneficiaries : children up to the age of 25 automatically benefit from the same level of guarantee as their parents.
Essential criteria for choosing a family mutual insurance company
1. Assess each member's needs
- Children : focus on dentistry, orthodontics, optics.
- Adults/seniors : hospitalization, excess fees, frequent specialties.
2. Compare the guarantees offered
- Priority given to covering excess fees , optical and dental care.
- Check the reimbursement levels: reimbursement base, annual package, actual costs.
3. Analyze the price based on the household
Annual examples for a family of 4:
- Basic package: €600–700
- Mid-range: €900–1,200
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High-end: up to €1,500–2,000.
These benchmarks help you calibrate your budget.
4. Anticipate additional services
- Health prevention (screening, prevention, etc.)
- Centralized management : third-party payment card, online domain
Why choose KT Assur&Bank for your family mutual insurance?
- Customizable offers : adjusted to the composition of your family and your needs (optics, hospitalization, prevention)
- Adapted and transparent pricing : no hidden costs
- Dedicated advisor : to guide you towards the most relevant formula
- Partner healthcare network : for seamless access to reimbursements
Conclusion
Family mutual insurance is much more than just a health insurance policy: it's an economical, practical solution that's perfectly suited to the needs of each member of the household. By carefully assessing your priorities (routine care, hospitalization, optical care) and your budget, you can find the ideal plan.
👉 With KT Assur&Bank, you benefit from personalized support to choose the family health insurance best suited to your situation.