Axa have a great new mutuelle called Modulango, where you can adjust your percentage ceiling independently under each heading. So you can keep day-to-day reimbursements to just 100%, but increase cover for operations and hospitalisation to 400% for instance. Exclusive Healthcare have a similar plan with 100% on normal headings and 200% for hospitalisation. It's cheaper, but not significantly so, than the Axa one.
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