Has anyone actually used Mondassur?
Posted by lederdaddy@reddit | expats | View on Reddit | 21 comments
Hi Everyone, Has anyone had experience actually using Mondassur? I have a pre-existing condition and want to be able to see Specialists and get prescription medications and specialized treatment once I move to France. I know this is a good insurance to meet the long stay visa requirements, but ARE they actually good in practice? (I'm from the US, so a bit traumatized my healthcare insurance companies and I want to make sure I pick the best one for me and not just the best one for the visa)
Own_Score2215@reddit
Did you pick Mondassur? How is it?
SubstantialDrive111@reddit
Hi! I can't recommend them from my personal experience. I applied for the visitor visa, but was given a temporary visa instead which was for 8 months, and Mondassur refused to reimburse me for those 4 mos even though they say in case of visa refusal they issue refunds. I am currently reapplying for the visitor visa again and am still using their certificate because I still have a few months of coverage, but am searching for another plan that is hopefully better to tack on. I need to make a payment on a hospital bill before I can submit a claim, but I'll post an update on how they respond to that and how long it takes for them to pay/reimburse.
DimensionNo8738@reddit
What reason did consulate only do 8 of 12? Trying to decide if I get this or feather
2014reefblue@reddit
Hi there is it Feather the health insurance company name? I've read the issues with Mondassur n due to every ones feedback I won't be choosing them! I'm so glad y'all share info. I'll look into Feather as I'm planning a Brazil trip.. thanks
SubstantialDrive111@reddit
As for the consulate...when I reapplied with a lawyer she changed my strategy completely and told me to be as transparent as possible. She said my cover letter was too generic and I had more savings the 2nd time around too.
SubstantialDrive111@reddit
Update: Mondassur's customer service isn't my favorite but they did pay for all my hospital bills and I have chronic illnesses. I used Feather when I tried again for my visa because they are super easy, cheap (didn't have to pay all up front) aaand you can cancel whenever.
Sure_Vanilla8941@reddit
any updates ? looking to sign up with MondAssur for France too.
SubstantialDrive111@reddit
Did you ever apply? I do have an update actually.
lederdaddy@reddit (OP)
I don't have any updates yet, I'm still in the visa process but I will likely not be using Mondassur. It's so hard to find any feedback from people with pre-existing conditions, but from researching it seems that most just said you need to suffer through it until you get regular insurance.
Sure_Vanilla8941@reddit
I got the insurance with my pre existing conditions (asthma and severe allergy). The price was reasonable and was assured that it was ok for the visa and I would get reimbursed if my visa was denied. I have my appointment tomorow.
lederdaddy@reddit (OP)
That's great news! Congrats! I have EDS and Dysautonomia and require IV treatment and specialists to manage, so I was more worried about using it in practice than outright being denied coverage. Which visa are you applying for?
Ok_Occasion1537@reddit
Hi! Any updates on what you ended up going with? I am about to be on a working holiday visa and also have EDS and POTS and am struggling to find a good insurance option.
SubstantialDrive111@reddit
Hi! I lost access to my previous account, but I did use Mondassur and don't like them for several reasons. I may end up going with something that is trash and just for the visa approval and going with a plan more suited to my personal needs that is paid month to month when I arrive (still researching). I will say that without insurance, meds and Drs visits for us our affordabe there out of pocket and I was even able to get my Saline bags RX filled. The problem is if you have a really bad episode like I did in the summer, I went to the hospital and they did EKG, heart ultrasound, etc and my bill was 1800eu and with Mondassur you have to pay that upfront before you can submit a claim for reimbursement. I don't like that, but at least they give you up to 6mos I believe to pay... but yeah... not ideal for people with our conditions.
Sure_Vanilla8941@reddit
Ohhh! Yeah I understand the hesitation now. I applied for a work Holliday visa ! How about you?
lederdaddy@reddit (OP)
I'm trying to get the long stay visitor visa.
Sure_Vanilla8941@reddit
Let me know how it goes ! The work holiday visa is one of the long stay visa I think !
lederdaddy@reddit (OP)
Ok will do! 😊
Budget_Condition4082@reddit
Hoping we get some updates on this. I have a rare migraine condition and would love to see someone that is not here 😂
lederdaddy@reddit (OP)
So sorry, I don't have any updates yet, I'm still in the visa process but I will likely not be using Mondassur.
Budget_Condition4082@reddit
Dude I was looking into this earlier too! All of us Americans are scarred by the healthcare here
lederdaddy@reddit (OP)
We really are. I honestly think it's on the level with PTSD. Even their most expensive plan is a fraction of what I'd have to pay back home. So, I'm like... is this real? Do they really cover pre-existing conditions, would I actually be okay?! If so. Omg.