Allianz Assurance GRAY PLEIN CIEL

General Agent: Samir ABADOU
Insurance • Mutual • Savings • Protection
📍 3 Charles de Gaulle Square, 70100 Gray
📞 03 84 65 06 17 • ✉ abadou.gray@allianz.fr
agence.allianz.fr/gray-plein-ciel

Health Mutual in Gray: Find the Complementary Coverage That Fits Your Profile with Allianz

The health mutual is the essential complement to the Mandatory Health Insurance. It reimburses all or part of the remaining costs for your consultations, medications, hospitalizations, dental and optical care. In Gray and Haute-Saône, Samir ABADOU, your Allianz general agent, helps you choose the plan that fits your life and budget.

• 95% of French people have a health mutual
• €900 average annual remaining costs without complementary health coverage
• 100% Health: glasses, dental, hearing aids without RAC
• 1 in 2 covered by a collective company mutual

Why subscribe to a health mutual?

Who is our health mutual for?

Do you want a free and personalized quote? Contact us today!
📍 3 Charles de Gaulle Square, 70100 Gray
📞 03 84 65 06 17
✉ abadou.gray@allianz.fr
🌐 agence.allianz.fr/gray-plein-ciel

Allianz Assurance GRAY PLEIN CIEL — General Agent Samir ABADOU — Non-contractual information document

• Limit the remaining costs: Social security reimburses an average of 77% of health expenses. The mutual covers most of the balance.
• Access to specialists: excess fees covered according to your level of coverage, with no unpleasant surprises.
• Dental and optical care: very costly items, which can represent several hundred euros, fully or largely covered.
• Hospitalization: private room, daily flat rate, transport costs — essential guarantees in case of intervention.
• Third-party payment: no need to advance costs at the doctor, pharmacy, or hospital.
• Alternative medicine: osteopathy, acupuncture, homeopathy — optional guarantees according to your needs.

Target Audience

• Employees in the private sector wishing to supplement or replace an insufficient collective mutual
• Self-employed workers (TNS) without collective coverage, needing solid individual protection
• Families with children seeking comprehensive coverage including pediatrics, orthodontics, and optics
• Civil servants looking for a referenced or labeled individual mutual

FAQ — Frequently Asked Questions about Health Mutual

❓ Is the company mutual sufficient?
Not always. Collective mutuals often offer a basic coverage that is not enough for optics, dental prosthetics, or excess fees. An individual supplementary plan can fill the gaps.

❓ What is 100% Health?
It is a government scheme that guarantees, for certain glasses, dental prosthetics, and hearing aids, a zero remaining cost. All our Allianz plans include this basket, and you can choose superior equipment with our enhanced guarantee.

❓ Can you change health mutual during the year?
Yes! Since the Chatel law and the Hamon law, you can terminate your individual mutual at any time after the first year of the contract. Samir ABADOU takes care of the termination procedures for you.

❓ How do reimbursements work?
After reimbursement from social security, your Allianz mutual covers all or part of the remaining costs within a few days. With third-party payment, you no longer even advance costs with most practitioners.

❓ Is there a waiting period upon subscription?
For the vast majority of guarantees (doctor, pharmacy, hospitalization), there is no waiting period. Some items (optics, orthodontics) may have a 3-month waiting period. At Allianz Gray Plein Ciel, we check the conditions with you before signing.

5 tips for choosing your mutual wisely

1. Analyze your real needs: identify your actual expense items (optics every 2 years? frequent dental care?) before choosing your level of coverage.
2. Compare reimbursements in euros: a “200% Base reimbursement” doesn’t mean much. Demand concrete examples of reimbursement for your usual care.
3. Check the exclusions: some contracts exclude alternative medicine, annual glasses, or limit private rooms. Read the general conditions carefully.
4. Anticipate changes in situation: retirement, job loss, marriage — these events allow you to subscribe or terminate a mutual outside the annual deadline.
5. Don’t choose solely based on price: a cheaper mutual with insufficient guarantees will cost you more in remaining costs. The guarantees/price ratio is the right metric.

Customer Testimonial

“After leaving my job to start my freelance graphic design business, I found myself without collective mutual coverage. I was afraid the cost would be too high individually. Samir ABADOU took the time to analyze my real expenses — especially dental care and consultations with the osteopath — and offered me a perfectly calibrated plan. I am very well covered for a reasonable price, and reimbursements are ultra-fast. I recommend Allianz Gray Plein Ciel with my eyes closed!”
— Céline V., freelance graphic designer in Gray (Haute-Saône)

Why choose Allianz GRAY PLEIN CIEL Agency?

Need a tailor-made health mutual? Request your free quote in just a few minutes!
📍 3 Charles de Gaulle Square, 70100 Gray
📞 03 84 65 06 17
✉ abadou.gray@allianz.fr
🌐 agence.allianz.fr/gray-plein-ciel

Allianz Assurance GRAY PLEIN CIEL — General Agent Samir ABADOU — 3 Charles de Gaulle Square, 70100 Gray — ORIAS registration number available at the agency — Non-contractual information document

• Local advisor: a unique and available contact in Gray, who knows your personal situation
• Strength of Allianz: 1st global insurer, guaranteed financial solidity, network of partner care in France
• Administrative support: handling the termination procedures of your old mutual
• Personalized follow-up: annual review of your guarantees to adapt to the evolution of your needs and life