SwissLife authorized optician

Medical expenses generally represent a substantial budget. For optimum health cover, it is advisable to take out a supplementary health insurance provider to supplement the reimbursements provided by the French health insurance system. Complementary health insurance offers contracts tailored to your needs, depending on your age, household composition and situation. Although supplementary health insurance providers are optional, they seem to be essential. In most cases, French national health insurance only covers 70% of healthcare costs. When it comes to hospitalization, optical, dental or hearing expenses, the out-of-pocket expenses can be high. As an accredited Swiss Life optician, Mymonture introduces you to this highly attractive supplementary health insurance provider.

Who is Swiss Life the supplementary health insurance providers?

Based in Zurich, the Swiss Life group was founded in 1857 by Conrad Widmer and the Crédit Suisse banking group. It is one of Europe's leading providers of complementary health insurance, mainly in Switzerland, Germany and France. Originally a cooperative, it has been a public limited company since 1997. Swiss Life offers a wide range of insurance, provident and pension products. These are available from agents belonging to its network or from partners such as banks and brokers.

Who can subscribe to Swiss Life complementary health insurance?

Swiss Life offers supplementary health insurance providers for individuals, group health insurance for companies, retirees and self-employed workers. The various Swiss Life health insurance contracts are aimed at all adults up to the age of 99. They meet the needs of families, couples and singles.

What are the advantages of Swiss Life supplementary health insurance providers?

The strong point of Swiss Life supplementary health insurance providers is the number of levels of coverage. You can choose from 9 levels of reimbursement. No medical questionnaire is required when you subscribe. You don't have to pay in advance, thanks to the many healthcare professionals in the Carte blanche network. For retirees, a loyalty bonus of €50 is applied in the 3rd and 4th years of insurance for healthcare costs in excess of the contract, and €100 from the 5th year onwards.

The various services offered by Swiss Life supplementary health insurance providers

Third-party payment management THIRD-PARTY PAYMENT

All supplementary health insurance providers offer third-party payment. A member's minimum contract includes a 30% reimbursement. This 30% is known as ticket modérateur. It corresponds to the difference between the base price set by the Assurance Maladie and its reimbursement, i.e. 70%. It mainly covers routine medical care, hospitalization and some preventive treatments. For example, for a consultation with a general practitioner costing €25, health insurance reimburses 70%, i.e. €16.50 (less a €1 fixed contribution), and supplementary health insurance providers reimburse 30%, i.e. €7.50. While health insurance is compulsory and paid by deduction from salaries, pension payments or directly to the Urssaf for certain professions, you are free to choose whether or not to join a supplementary health insurance providers. However, it is preferable to take out health insurance, given the low amounts reimbursed by French national health insurance.

If you take out supplementary health insurance providers like Swiss Life, you will be reimbursed for the compulsory co-payment. Depending on your contract, you may also be reimbursed for other services (homeopathy, acupuncture, osteopathy, spa treatments, additional fees, etc.). In addition, some healthcare professionals offer full third-party payment, meaning you don't have to pay anything. This is the case for pharmacists, general practitioners for patients with long-term conditions, pregnant women... and now opticians, dental care and hearing aids.

100% health care

Until the new reform of 2020, eyeglasses, dental care and hearing aids were expensive medical devices. To make these treatments accessible to all, the government has introduced the 100% santé scheme, also known as 0 € reste à charge. From now on, you have two possibilities for reimbursement. With the 100% health basket, also known as class A, you have nothing to pay in advance. The professional is reimbursed directly by the Assurance Maladie and supplementary health insurance providers. All you need to show is the practitioner's prescription (ENT, ophthalmologist, etc.), your carte vitale and that of your complementary health insurance. You can opt for class B or "tarif libre". You select the frames and lens coatings you want, and the hearing aids and dental prostheses that suit you. If you choose class B, you will be responsible for a remaining out-of-pocket expense, which may be reimbursed in full or in part by your supplementary health insurance providers, depending on your contract.

The different reimbursement formulas with Swiss Life

Formula 1 covers the co-payment for drugs, radiology and biology procedures, medical appliances, out-patient care, medical auxiliaries (physiotherapists, nurses), transport, doctors' consultations (without additional fees) and midwives. Formulas from 2 to 9 offer increasingly comprehensive cover. The supplementary health insurance providers Swiss Life santé Madelin is offered to self-employed professionals. Swiss Life Santé Retraités offers 8 levels of cover. It has several strong points: a high-reimbursement optical package and hearing aids, flat-rate cover for certain eye surgeries, loyalty bonuses for dental and optical care, and a retiree module to complete the cover provided by formulas 2 to 8.

Mymonture and its various services and qualities

MyMonture.com is staffed by a team ofstate-qualified opticians. As such, it offers you the same services and qualities as a traditional optician. Without leaving your home, you can select a frame from one of the major brands available on our site. More than 60, including 6,000 references, are available on MyMonture. All our frames are half the price of a traditional optician's, and you'll benefit from discounts. What's more, there are 5 times as many frames as in a store near your home or place of work, and all at attractive prices.

Thanks to our state-qualified opticians, we are accredited by the French National Health Insurance, supplementary health insurance providers and optician networks. MyMonture offers online third-party payment and 100% healthcare. So you can buy your glasses with little or no out-of-pocket expenses. On our website, you can draw up an approved estimate based on your correction and for all supplementary health insurance providers. The corrective lenses we fit are made inFrance by the Essilor group, renowned for the quality of their lenses. To make sure you don't make a mistake, you can ask us to send you 2 or 3 frames from leading brands. You have 7 days to test them. This service is free of charge. Once you've received your optical equipment, we'll keep in touch for a chat online or in our store. Finally, we'll give you a second pair of glasses for just one euro more.