Klesia authorized optician

Klesia partner optician - Mymonture

The Klesia supplementary health insurance providers are also known as group supplementary health insurance providers. As such, and like all group supplementary health insurance providers, it offers employees optimum coverage for healthcare costs not covered by French national health insurance. The importance of supplementary health insurance providers has become all the greater since the ANI law came into force. Under this law, employers are obliged to take out a supplementary health insurance provider contract for their employees, and to pay half the contribution each month. More than just reimbursing employees' healthcare costs, Klesia demonstrates a genuine sense of commitment in supporting and protecting its customers. The result is sustainable, responsible development. Reviews, reimbursements, cancellations... find out more about supplementary health insurance providers Klesia, partner of Mymonture.

What you need to know about the Klesia group

Born of the merger of the Mornay and D & O groups on July 4, 2012, the Klesia group is made up of two main structures. These are the Fédération mutualiste de Paris, made up of 130 supplementary health insurance providers, and a mutualist axis (UMC, Klesia St Germain and MCDef). Klesia is a French paritarian group which, at the time of its creation, was the 15th largest personal insurer. With sales of 9.1 billion euros, it has built up a strong national network of 6 regional divisions and 11 local offices. Whatever the case, the aim behind the company is identical to that of most players in the insurance market. To provide a large number of French individuals, businesses and professionals with the most sought-after insurance and retirement services, such as social action, supplementary health insurance providers, savings, insurance and personal services.

A look back at Klesia's complementary health insurance assistance cover

When you take out a contract with supplementary health insurance providers, you are automatically guaranteed a number of assistance services.

• Home help: included
• Bedside assistance: included
• Childcare: included
• Meal/medication delivery: included
• Home schooling: included
• Pet care: included
• Repatriation in the event of death: included

What are the supplementary health insurance providers' insurance benefits?

Faced with the large number of insurance products on the market, the Klesia group strives to constantly adapt and anticipate in order to offer solutions tailored to the needs of the French. This applies equally to supplementary health insurance providers, social protection and provident plans. In any case, there are two main types of Klesia insurance coverage: health insurance contracts and provident contracts.

Klesia insurance contracts

These are offered mainly to individuals and companies.

For individuals

There are two main contracts:

• Klesia CSS complementary health insurance: if your income is too low to pay the full cost of your supplementary health insurance providers, French national health insurance may be able to help. Essentially in the form of a check to finance supplementary health insurance providers for you and your loved ones. If you are eligible for this check, the Klesia CSS contract is for you.
• Klesia Rythma Santé complementary health insurance: this contract is mainly aimed at senior citizens and young retirees. It offers them the possibility of optimizing their budget and opens the doors to 6 customizable formulas. The contract also offers a number of assistance services (drug delivery, household help, pet care).

For companies

The only insurance contract offered to companies is the Klesia Performance Santé group supplementary health insurance plan. This solution combines the efficiency of group schemes with the flexibility of individual contracts for small and medium-sized businesses. The scheme is available in 3 versions:

• The ANI formula: with coverage that complies with standards, but at a lower cost;
• ANI reinforcement: focusing services on enhanced cover;
• Supplementary insurance: designed to help reduce out-of-pocket expenses for employees.

Personal protection contracts

Klesia offers just one of these, Klesia Prévoyance Décès. Designed for individuals, its aim is to protect your loved ones by paying a lump sum to beneficiaries selected by you. With this contract, you can secure a number of things, even after your death. These may include projects, financing your funeral or simply guaranteeing a good standard of living for your family.

How do I get reimbursed by Klesia supplementary health insurance providers?

By subscribing to Klesia supplementary health insurance providers, the aim is to avoid you having to pay for certain healthcare costs, including consultations, analysis fees and frame renewals, for example. As such, you have two ways of being reimbursed at the right time.

THIRD-PARTY PAYMENT with Klesia complementary health insurance

Whichever supplementary health insurance provider you choose, it is your Régime Obligatoire (RSI, Sécu, etc.) which is responsible for notifying it of the costs you have incurred. Thanks to its network of healthcare professionals (pharmacists, radiologists, ophthalmologists, etc.), Klesia means you don't have to advance any costs. Whether for medication or hospitalization.

The letter requesting reimbursement

Addressed to your supplementary health insurance providers, you can use this form if your contract does not allow you to benefit from teletransmission, or if you have gone to a consultation without a supplementary health insurance provider card. Simply attach the relevant healthcare reimbursement forms and you're ready to go.

Our opinion on Klesia health insurance

Positive points

• Numerous Assistance-level benefits, especially for retirees.
• No deductible or waiting period.
• No health questionnaire when subscribing.

Negative points

• Online underwriting on a separate site; therefore difficult to find.
• More or less costly health coverage, especially for family members.

As a partner of your online optician Mymonture, Klesia enables you to take advantage of the various guarantees set up for your different services. In addition to already enjoying numerous benefits such as zero out-of-pocket expenses, payment in 3 instalments free of charge and the possibility of having a pair of glasses offered for €1 more, you'll have absolutely nothing to pay in advance. So you can look forward to your visit to your optician with peace of mind.