Free glasses are a mirage

One wonders if the pledge to reduce the ‘reste à charge’ for glasses and dental prostheses to 0% will work.

23 July 2018

The government says there will be no increase in mutuelle premiums but consultants Mercer Conseil estimate the rise could be as high as 8.9%.

Insurance is not magic. If claims payments go up, premiums increase. Insurance firms have to make profit.

This begs the question: Is it not better to be your own insurer for recurring costs? If you must change glasses every two years and it costs, say €500, your insurer will ask for a premium from you to cover this plus overheads and profit. You may pay €600 for your glasses.

Better to put €20 into your piggy bank every month!

The problem is health insurance falls somewhere between two types of insurance: Life insurance, an inevitable pay-out upon death – and non-life insurance where the principle is that indemnification follows a sudden unforeseen event.

Geoffrey Auckland, Blois

Resident or second-home owner in France?
Benefit from our daily digest of headlines and how-to's to help you make the most of life in France
By joining the newsletter, you agree to our Terms & Conditions and Privacy Policy
See more popular articles
The Connexion Help Guides
Income Tax in France 2021 (for 2020 income)*
Featured Help Guide
Order your Income Tax in France guide now for immediate digital access
Get news, views and information from France