Helium

Hélium-approved optician

In your search for the ideal complementary health insurance, you've probably already heard of Hélium. However, Hélium is not a supplementary health insurance provider. The company is a partner of various insurers, managing health and provident contracts for third parties. With nearly 640,000 beneficiaries, 180 employees and 65 insurance broker partners, Hélium can help you implement solutions tailored to your needs, whatever they may be. Mymonture tells you all you need to know about Helium.

Why choose this health and welfare plan manager?

Helium is a company with strong values that enable it to support its customers and partners efficiently and through tailor-made solutions. These values include :

A high degree of independence: as a 100% independent manager, Hélium is free to make decisions immediately, thus demonstrating its agility, autonomy and responsiveness;
Anticipation: Hélium is one of the health and provident contract managers who knows how to anticipate the needs of most of its customers.
Agility: Hélium's team of experts is flexible, innovative and imaginative, finding new solutions in line with the evolution of supplementary health insurance providers.
Putting the customer first: Hélium puts listening to and respecting customers at the heart of its services.

How do I subscribe to a Hélium supplementary health insurance provider?

There are several criteria for subscribing to a Hélium contract. In particular, you must be at least 18 years old, live in mainland France and be affiliated to a compulsory French social security scheme. The maximum age depends on the requirements of supplementary health insurance providers in partnership with Hélium. To subscribe to this complementary health insurance, you won't need a medical examination. Your cover is automatically valid from the contract start date. You'll find this date in the contract's general terms and conditions. All you need to do is fill in an application form, which you can download from the supplementary health insurance providers' official website. If you wish, you can also visit your nearest Hélium branch. An advisor will be on hand to recommend a supplementary health insurance provider that's right for you.

Hélium health insurance offers and benefits

As Hélium manages insurance contracts in conjunction with other supplementary health insurance providers, it would be difficult to list all the benefits on offer. These depend essentially on the contract for which you have subscribed. It should also be noted that these benefits are available to individual policyholders, insurers, companies and brokers alike.

Hélium cover

Supplementary health insurance providers Hélium offer tailor-made cover for all their customers. To take advantage of this service, however, you will first need to identify your health care habits. Do you have a prescription for glasses? Do you see any sector 2 specialists who charge extra? Do you often consult an osteopath? Based on the answers to these questions, we'll be able to determine the level of reimbursement provided by the Hélium supplementary health insurance providers that will help limit your out-of-pocket expenses.

What does Hélium reimbursement take into account?

Before you are reimbursed, the administrator will take into account the co-payment, adding the French national health insurance reimbursement equivalent to the conventional tariff. And this applies regardless of the health insurance plan offered by Hélium. In any case, reimbursements from Hélium supplementary health insurance providers can include :

Glasses,
Dental prostheses,
Alternative medicine,
Self-medication,
Hearing aids,
Adult orthodontics,
Overtime,
Optional vaccinations,
A private room during hospitalization..

How do I get reimbursed by supplementary health insurance providers?

There are two ways to get reimbursed by your Hélium supplementary health insurance providers: third-party payment and a letter requesting reimbursement.

THIRD-PARTY PAYMENT THIRD-PARTY PAYMENT by Mymonture

The principle of third-party payment is to save you from having to advance healthcare costs when it takes a relatively long time to get reimbursed by your supplementary health insurance providers. And generally, once the expense has been incurred, it's up to your compulsory health insurance scheme to declare it to your complementary health insurance.

Thanks to your Hélium supplementary health insurance providers, you won't have to pay anything in advance. Your pharmacy, hospitalization and laboratory costs are fully covered. Your Hélium Mymonture partner optician will also simplify your ophthalmological consultations, and you won't be asked to make any advance when you renew your frames, for example. The same applies to all healthcare professionals (hospitals and paramedical centers, radiologists, analysis laboratories) who offer third-party payment. All you need is your carte vitale and your THIRD-PARTY PAYMENT card.

Requesting reimbursement from Hélium, our complementary health insurance partner

If you don't have a supplementary health insurance providers card for your consultations, or if you are not entitled to teletransmission, you have only one alternative for obtaining reimbursement. You can submit a claim to the supplementary health insurance providers Hélium. This will then be sent to the Helium address, together with the supporting documents that will be required.

Supplementary health insurance prices and rates

Here too, it's difficult to give precise figures. The price of supplementary health insurance, with Helium or any other supplementary health insurance provider, depends on a number of factors:

Coverage selected;
The policyholder's area of residence;
The age of the insured;
The options subscribed to;
The insurance company selected;
The beneficiaries mentioned in the contract..

To find out more, visit the official Hélium website or ask for a supplementary health insurance providers quote at your local branch.

How do I cancel my Hélium contract?

There are several ways to cancel your Helium contract:

Cancelling your Hélium complementary health insurance policy at the end of the year: under the Châtel law, insurers are required to give policyholders 15 days' notice before the end of the cancellation period. You therefore have the option of cancelling your contract each year once the annual expiry date has been reached. Before one year's contract expires, you'll need to justify your decision to avoid incurring any additional costs. After one year, you can cancel your contract at any time, without having to justify your decision. The same applies if the supplementary health insurance providers do not inform you of the cancellation period.
Cancellation of Hélium complementary health insurance outside the annual termination period: thanks to the Hamon law, you can cancel your Hélium complementary health insurance in advance. You will find the different information on the contract and depending on the situation: a change of situation (death, divorce), an unjustified increase in the insurance premium or subscription to a compulsory company supplementary health insurance providers.