Health Insurance

Take care of yourself and your loved ones

A comprehensive health plan to cover medical expenses and access quality care, whatever your budget.

From €15 / month

Plans tailored to every need

Fast reimbursements

Within 48 hours on average, directly to your account

Partner care network

Opticians, dentists, hearing aid specialists – no upfront payment

Free teleconsultation

Remote medical consultations at no extra cost

Second medical opinion

Optional for serious conditions

Get a Quote View all our insurance plans

Progressive Coverage Levels

Choose the reimbursement level that suits you

Essential

€15/month

100% outpatient care
100% hospitalization
Optical €100/year
Dental 125%

Popular

Comfort

€30/month

Everything in Essential +
Optical €250/year
Dental 200%
Alternative medicine €150/year

Premium

€50/month

Everything in Comfort +
Optical €500/year
Dental 300%
Private room in hospital

Your health plan in 4 simple steps

Subscribe quickly to a health coverage tailored to you and your family.

Health insurance subscription steps CeSA BANK

Personalized quote → Online subscription → Immediate third-party payment card

Get your quote in 2 minutes

Enter your age, family situation, needs (optical, dental, hospitalization, alternative medicine...) and budget. Instant quote with real reimbursement simulations.

Choose your coverage level

Essential, Comfort or Premium: adapt according to your needs (enhanced optical, dental 300%, private room, alternative medicine, etc.). Add options (second medical opinion, home assistance).

Finalize your subscription online

Provide IBAN, health card details and family situation. Secure electronic signature. Immediate third-party payment card (pharmacy, optician, dentist – no upfront fees).

Your health is protected

Coverage effective the next day (or immediately with instant payment). 24/7 teleconsultation, partner network, fast reimbursements (48h average) to your account.

Get my free quote

Frequently Asked Questions

Answers to the most common questions about our health insurance

Is supplementary health insurance mandatory?

No, it is optional. Social security covers part of the costs (often 70% for outpatient care, 80% for hospitalization), but out-of-pocket expenses can be significant (optical, dental, excess fees). A health plan greatly reduces this remainder.

How do reimbursements work?

With third-party payment (pharmacy, optician, dentist in the partner network): no upfront payment. Otherwise, social security + supplementary reimbursement directly to your bank account within 48 hours on average after electronic claim receipt.

Is teleconsultation really free?

Yes, unlimited and with no out-of-pocket cost in all plans (general practitioners and specialists). 24/7 video consultation, prescription sent directly to pharmacy. Included even without an appointment with your regular doctor.

Can I switch health plans at any time?

Yes, thanks to mid-contract cancellation rights (100% Health law / 2020 decree): cancellation possible at any time after 12 months, free of charge and without justification. Your new insurer usually handles the paperwork. No new waiting period for previously covered benefits.

Are alternative therapies covered?

Yes, as an option or in Comfort/Premium plans: osteopathy, acupuncture, chiropractic, homeopathy, etc., up to €150–300/year depending on level. Capped per session and per year. Reimbursement on presentation of invoice.

Are there waiting periods?

No waiting period for routine care, hospitalization and pharmacy. 3 to 6 months for optical, dental (implants, orthodontics) and private room in some plans. Possibility to waive waiting periods with proof of previous coverage.

Can the whole family be covered under one contract?

Yes, individual or family contract: spouse, children up to 21 (or 25 if studying), longer in case of disability. Flat rate or adjusted according to family composition. Possibility to add dependents later.