This involves analyzing the services delivered in relation to the cost. The points to watch out for are as follows.
The health questionnaire : in case of health problem, the health questionnaire will probably result in a reduction in guarantees or a price increase.
Pricing formulas : Is the proposed rate a call rate which will then be increased or is it the normal rate ? Does the contribution change according to age? ?
The variable rate depending on the sector of activity : professions at risk, such as building, are often over-priced.
Personal medical exclusions : the most frequent exclusions are back conditions and depressive syndromes.
Exclusions linked to sporting activities : contracts can also refuse coverage for conditions linked to sports practice.
The basis for calculating the benefit : the fixed benefit, preferable, corresponds to the amount subscribed, while the compensation benefit, which depends on the tax return of the last year, can be extremely detrimental in the event of a one-off drop in income.
The franchise period : the shorter the deductible, the higher the price.
Payment duration : daily allowances are in principle provided for three years, but some plans provide coverage limited to one year, even three months.
The medical definition : what scale will be used ? The functional scale concerns everyday life ; the professional scale concerns acts that we can no longer do (For example, lose a finger for a surgeon). Some contracts offer a mixed scale.
The time limit for reporting a claim and the expertise : For example, are the services suspended upon initiation of an expertise? ?
The business creator often sins by omission. He will therefore have to analyze the gaps in guarantee and the combination between different devices, assess the interest of the ARE or the ARCE, and favor all-cause coverage for work stoppage and disability.