{"id":229,"date":"2018-03-11T09:11:05","date_gmt":"2018-03-11T08:11:05","guid":{"rendered":"http:\/\/www.cabinetvandamme.fr\/?p=229"},"modified":"2018-01-05T09:04:22","modified_gmt":"2018-01-05T08:04:22","slug":"a-verifier-avant-la-signature-de-lassurance-sante","status":"publish","type":"post","link":"https:\/\/www.cabinetvandamme.fr\/a-verifier-avant-la-signature-de-lassurance-sante\/","title":{"rendered":"\u00c0 v\u00e9rifier avant la signature de l’assurance sant\u00e9"},"content":{"rendered":"Si votre assureur conna\u00eet par c\u0153ur le contrat qu’il vous fait signer, vous aussi, vous devez tout savoir et comprendre chaque clause. Avant de passer \u00e0 la signature ce contrat d’assurance sant\u00e9, voici quelques \u00e9l\u00e9ments que vous devez v\u00e9rifier.
\n<\/p>\n
Les personnes r\u00e9ellement couvertes<\/h2>\n
![\"\"](\"http:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/a-verifier-avant-la-signature-assurance-sante-personne-reellement-couverte-300x192.jpg\")
Dans ce contrat d’assurance sant\u00e9, il y aura des personnes qui sont qualifi\u00e9es \u00ab assur\u00e9es \u00bb et les personnes qui sont d\u00e9sign\u00e9es \u00ab tiers \u00bb. Seules les \u00ab assur\u00e9es \u00bb b\u00e9n\u00e9ficient de la garantie que peut apporter votre assureur. Si votre famille s’agrandit, vous pouvez faire profiter des garanties de votre contrat \u00e0 ce nouveau membre. Pour ceci, vous devez envoyer une proposition de modification du contrat \u00e0 votre compagnie d’assurance. Si cette derni\u00e8re ne fait part d’aucun refus dans les 10 jours qui suivent, votre demande est valid\u00e9e.<\/p>\n
Les d\u00e9lais de carence<\/h2>\n
![\"\"](\"http:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/a-verifier-avant-la-signature-assurance-sante-delai-de-carence-300x150.jpg\")
C’est le temps entre l’ouverture d’un droit et le versement des prestations. Il est important de v\u00e9rifier ce point, car dans certains contrats d’assurance sant\u00e9, les d\u00e9lais de carence peuvent aller jusqu’\u00e0 une p\u00e9riode de 12 mois. Si ce d\u00e9lai est trop important, il ne faut pas trop compter sur votre assureur, ce qui vous oblige \u00e0 payer par vous-m\u00eame vos frais m\u00e9dicaux.<\/p>\n
La prise en charge en cas d’hospitalisation<\/h2>\n
![\"\"](\"http:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/a-verifier-avant-la-signature-assurance-sante-prise-en-charge-hospitalisation-300x200.jpg\")
Un contrat d’assurance sant\u00e9 comprend souvent cette garantie d’hospitalisation, mais la prise en charge est variable selon les contrats. Que vous soyez hospitalis\u00e9 dans un \u00e9tablissement priv\u00e9 ou public, le lieu d’accueil doit \u00eatre conventionn\u00e9 pour avoir la prise en charge. La prise en charge est stipul\u00e9e dans le contrat d’assurance et vous devez le v\u00e9rifier. Certaines compagnies d’assurance ne prennent pas toujours en charge la partie non vers\u00e9e par la S\u00e9curit\u00e9 Sociale. Il est \u00e0 noter \u00e9galement que les frais dits de confort comme l’option t\u00e9l\u00e9vision ou l’acc\u00e8s au Wi-Fi \u00e0 l’h\u00f4pital ne sont pas pris en compte par l’assureur.<\/p>\n","protected":false},"excerpt":{"rendered":"
Si votre assureur conna\u00eet par c\u0153ur le contrat qu’il vous fait signer, vous aussi, vous devez tout savoir et comprendre chaque clause. Avant de passer \u00e0 la signature ce contrat d’assurance sant\u00e9, voici quelques \u00e9l\u00e9ments que vous devez v\u00e9rifier.<\/p>\n","protected":false},"author":1,"featured_media":240,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"yoast_head":"\n
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