Complementary insurances aren’t mandatory; they cover a wider range of services, such as private or semiprivate rooms during hospital stays.

Advantages:

•   Complementary insurances widen the range of refundable services.
•   They help cover the expenses of alternative medicine
•   They provide an upgrade in the room service in hospitals (private or
     semiprivaterooms for instance)

Subtleties:

•   Bear in mind that insurers aren’t forced to accept you for a complementary
    insurance
•   Insurance premiums vary depending on age, gender and health
•   You can contract your basic insurance and complementary insurance with
    two different insurers.
•   You can cancel complementary insurances; contractual delays and
    cancellation notices depend on the insurer. You can consult the CGA,
    or your insurance policy.

Advice:

Take the time to examine the services offered by your complementary insurances and compare them with what your basic insurances offers.