You can change your mutuelle coverage at any time, though a few conditions apply depending on whether you're upgrading or downgrading. Upgrading is available whenever you want, but a 1-month waiting period applies for hospitalization under your new coverage level. Downgrading is only possible if you haven't made any claims, or if your policy has been active for at least 1 year.
How do I upgrade my mutuelle coverage?
You can upgrade your mutuelle coverage at any time. To get started, you can contact our support team for more assistance or additional resources.
Keep in mind that a 1-month waiting period applies for hospitalization before your upgraded coverage takes effect.
How do I downgrade my mutuelle coverage?
Whether you can downgrade your mutuelle coverage depends on your claims history:
If you're switching between the Essential and Excellence plans, you can request a change at any time if you haven't submitted any claims. If you have already submitted a claim, you'll need to wait until your policy has been active for 1 year.
If your current or target plan is the Basic plan, you can only switch after your policy has been active for 1 year, regardless of your claims history.
You can contact our support team for more assistance or additional resources.