A dentist diagnoses the presence of inflammation on a tooth that was devitalized years ago. The patient feels no discomfort but according to the practitioner, it is only a matter of time before an abscess forms.

The dentist has drawn up the list of the worst possible scenarios, the patient makes an appointment with an odontologist. In an almost sterile environment that evokes an operating room, it uses a microscope and specialized equipment to extract the last nerve residues. Odontologists are by definition not contracted: the patient must therefore pay 750 euros, of which 278.50 euros will be reimbursed by his mutual, to clean and expand the roots and then perform the temporary filling so that they are waterproof. For final filling, the odontologist refers our patient to his dentist.

Who tells him that according to the specialist, the tooth is no longer strong enough to support the treatment. “You have to put a wreath, the practitioner writes in an email, it will cost you 650 euros, for which the mutual will not interfere.Some additional insurances partially reimburse this intervention.”

Reimbursement of 50 or 80% of the cost of a dental implant
Do you regularly go for check-ups at the dentist’s, but can not avoid the placement of dental implants, bridges, crowns, or a partial or complete removable prosthesis? In such a case, rely on the dental insurance of Mutualité Partena.

Dentalia Plus dental insurance protects you from the heavy dental bills that legal health insurance does not cover. Thanks to this insurance specially designed for dental health, you benefit from reimbursements of 50 to 80%, up to 1,050 euros per person per year.

Get 80% of the cost of a dental implant
How to benefit from a refund of 80% instead of 50%? Nothing’s easier ! Have an annual check-up with your dentist. In doing so, you are forging a 80% refund entitlement.

If your dental care costs go back more than a year, you will still receive a refund of half the cost of your dental implants.

Also count on our medical expenses insurance
Our Ambulatory Medical Insurance also grants reimbursements up to 500 euros for appliances, bridges, crowns, false teeth, implants and prostheses. So you choose the best solution for your teeth, without having to worry about the bill.

In 2015, the life insurance holding rate in mainland France is 36.5%. It has been steadily increasing since 1998 when it was only 28.9%. This is explained by the fact that life insurance is the favorite savings product of the French especially given its rather advantageous tax.

This rate increases progressively with age, from 21.1% for those under 30 years of age to 42.3% for over 60s.

Ownership of life insurance also differs according to the socio-professional category. It is higher than 45% for retirees as well as for the following professions: liberal profession (60.6%), farmer (53.9%), manager (45.2%). On the contrary, the rate is particularly low, for the inactive (15.7%), the unskilled (22.8%) and skilled (27.7%) as well as for the employees (29.4%).

The differences are less marked according to the family composition:

40.7% for couples without children
37.2% for couples with child (ren)
32.9% for single people
30.8% for single parent families.
Unsurprisingly, the life insurance holding rate is strongly correlated with the savings capacity of the French.

Before retirement, or after?
Many people think of getting dental implants before retirement while they are still in the labor market. They benefit from their dental insurance and can plan the distribution of these costs easily.

Similarly, retirees who have dental insurance can claim certain fees, depending on the plan they have.

It should be noted that dental implants with prostheses can be recommended to anyone, regardless of their oral condition or age.

Dental insurance covers certain expenses
Dental insurance can cover a certain portion of the price of dental implants with prostheses. It is recognized today that having teeth that are good at chewing all foods contributes to overall long-term health. And insurance companies also consider dental implants to be high-quality, reliable and long-lasting care. As a result, all these elements have contributed in recent years to extending the coverage of dental implant treatment costs by insurance companies. Make the most of it!

The amount of insurance covered varies depending on the plans offered by your employer or your personal plan. It is easy to check with your insurer what can be reimbursed for no surprises. How? By calling on your denturologist. It assesses the price of dental implants with prostheses required and helps you plan.

Your denturologist helps you plan with your insurer
Your denturologist offers you a free evaluation meeting. During this meeting, he takes various information on your general health and that of your mouth, then he presents you the various options which are offered to you.

A personalized treatment plan is then established. This plan takes into account your oral and general health, your expectations and your budget.

Your denturologist’s treatment plan provides you with a cost estimate. Everything is well described and detailed to be given to your insurer. He is then able to specify the portion of fees that can be reimbursed. And the submission of your denturologist is valid for a period of 6 months.
Benefit from your dental insurance before your retirement is a good way to make the costs of your new dentures with dental implants accessible. And it’s not more complicated than that. Talk to your denturologist, he also knows about planning!

But why is it more expensive?
You ask a financial institution to insure you without revealing your state of health, so it is normal for this company to charge you a premium higher than your neighbor who agrees to submit to a medical questionnaire.

It’s good for who?
Non-medical life insurance is for people who have difficulty getting a “standard” life insurance because:

they have an important disease;
they had cancer;
they had a heart attack;
they have ADHD;
they have been diabetic with insulin for a long time;
any other reason related to an important disease.
Thus, life insurance without medical examination is suitable for people who have difficulty in insurance, who have been refused or who have obtained life insurance with a significant premium! If you are in this situation, you must have applied for life insurance with at least two financial institutions. Why ? Because the selection of risks, the one that assesses your health, is different from one institution to another. Each institution assesses the risk according to a scale and expertise of its own.

In simple terms, it is not because one institution refuses you that you will be automatically refused by another. So, before you buy life insurance without a medical examination and pay more, take the time to check your insurability. In this way, you will get more life insurance for your estate for the same amount of premium.

And if I am in good health, what should I do?
We receive quotes for life insurance without medical exam several times a day. Each time, we ask people:

Are you in good health? Yes.
Have you ever applied and been refused? No.
Do you take medication? No.
Why did you choose insurance without a medical examination? I am not interested in going to the hospital for an exam.
And we tell them that to get standard life insurance, you do NOT have to go to the hospital. For a standard life insurance policy, there is NO medical examination. There is a medical questionnaire. At worst, a nurse will move to your home. She will ask you questions, collect a urine sample and a blood test. You will NOT have to go to see a doctor.

without a medical examination
The medical examination often returns, in fact, to complete a medical questionnaire

Just make a quote request. Today, you can even apply online. When you submit a quote request on our site, we display the online Purchase available without a representative visit when we send you your submission by email. Since this option is offered, it’s crazy how people prefer it.

In closing, if in the last two years you have been diagnosed with cancer or a terminal illness, no financial institution, with or without a medical examination, will agree to offer you life insurance coverage. It’s like asking for your home while it burns!