is it true that if you make an appointment for a complete physical that the mutuelle will not reimburse you? You first need to see a doctor who will prescribe the tests and then it will be reimbursed? If you do it on your own cutting out the GP, you get nothing from the mutuelle? What a rip off!
"If you do it on your own cutting out the GP, you get nothing from the mutuelle? What a rip off!"
It certainly isn't a rip off.
If there is something wrong with you, the doctor prescribes a treatment or medication, and you claim it back from the insurance.
It's exactly the same as if your car crashed. The insurance company needs an "expert" to assess the damage before they agree to pay out.
The insurance company (your mutuelle) is not going to pay out for medical procedures, or medication if it's not required.
As for zzzz's answer, I think if anything people here are over medicated, and the doctors prescribe far too much both in terms of tests, medicines, as well as other medical interventions and procedures.