The gap between what insurance covers and what you actually pay
En théorie, les systèmes de santé en France, Suisse, Belgique et au Canada sont censés protéger les citoyens. En pratique, des millions de personnes renoncent chaque année à des soins essentiels faute de moyens financiers. Le "reste à charge" — cette somme que vous devez payer de votre poche après remboursement — peut atteindre des milliers d'euros.
A dental implant costs between 1,500 and 3,000 euros per tooth. A pair of progressive glasses with thinned lenses: 500 to 1,200 euros. A quality hearing aid: 1,500 to 2,000 euros per ear. Specialist surgeon excess fees: often 1,000 to 5,000 euros on top of the standard rate.
These amounts are insurmountable for many families. And yet, these treatments are not a luxury — they are essential to live with dignity, to work, or simply to stop suffering.
On DonateursEnLigne, wealthy private donors directly fund the medical expenses of people who cannot pay. Not a loan. Not a health credit. A free donation, with absolutely no repayment.
Unreimbursed medical expenses: The reality in each country
Out-of-pocket costs vary considerably depending on your country of residence, but everywhere, there are situations where patients are left with bills they cannot pay.
| Country | Common problems | Average out-of-pocket cost |
|---|---|---|
| France | Specialist surcharges, dental care outside 100% Sante coverage, complex optical needs | 500 to 5,000 euros depending on the treatment |
| Switzerland | LAMal deductible (300-2500 CHF), 10% co-pay, dental not covered | 1,000 to 10,000 CHF per year |
| Belgium | Co-payments, room supplements, orthodontics | 300 to 4,000 euros depending on the treatment |
| Canada | Uncovered dental care, medications, physiotherapy | 1,000 to 8,000 CAD per year |
| Luxembourg | Personal co-payments, prosthetics, specialized treatments | 400 to 3,000 euros depending on the treatment |
In Switzerland, a person who chooses the maximum deductible of 2500 CHF to reduce monthly premiums finds themselves unable to pay for care when illness strikes. In France, specialist surcharges in Sector 2 can triple the cost of a consultation or procedure. In Canada, a full dental treatment can cost over 10,000 CAD with no public coverage.
What medical expenses do our donors help finance?
Donors registered on DonateursEnLigne understand that health is non-negotiable. Here are the types of medical expenses for which our beneficiaries regularly receive donations:
Dental care
- Dental implants — 1,500 to 3,000 euros per tooth, very poorly reimbursed even with good insurance
- Crowns and bridges — 500 to 1,500 euros frequently left out-of-pocket
- Adult orthodontics — 3,000 to 8,000 euros, not covered after age 16
- Complete dental prosthetics — Essential for eating and speaking, but expensive
Eyecare and vision
- Progressive lenses — 500 to 1,200 euros with quality lenses
- Specialty contact lenses — Toric or multifocal lenses, 400 to 800 euros per year
- Refractive surgery — 2,000 to 4,000 euros, never reimbursed by Social Security
- Eye treatments — Intravitreal injections, AMD follow-up, glaucoma
Surgical operations
- Specialist surcharges — The surgeon of your choice may charge 1000 to 5000 euros extra
- Non-reimbursed surgery — Certaines interventions considérées "non nécessaires" par l'assurance
- Hospitalization costs — Private room, extended stay, post-operative care
- Surgery abroad — When waiting times put your health at risk
Other healthcare costs
- Hearing aids — 1,500 to 2,000 euros per ear despite the 100% Health plan
- Extended physiotherapy — When reimbursed sessions are not enough for rehabilitation
- Orthodontics for children — 2,000 to 5,000 euros out-of-pocket over several years
- Non-reimbursed medications — Innovative or delisted treatments
- Medical transport — Ambulances, medical transport for regular distant treatments
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4 steps to receive financial assistance for your medical expenses
Our platform is designed to be fast and simple, because when you are in pain or a surgery is scheduled, you cannot wait months.
Sign up for free
Create your account in just a few minutes. No fees, no commitment. Your medical situation remains confidential.
Browse donors
Browse verified profiles. Some donors are specifically sensitive to health issues and medical expenses.
Explain your medical need
Detail the required treatment, the remaining amount to pay, and why you cannot fund it on your own. Transparency is essential.
Receive your donation
If the donor accepts, you receive the funds to pay for your care. Only a contribution of 1% is deducted for the operation of the platform.
Sign up to receive medical assistance
Forgoing medical care due to lack of money: a vicious cycle
In France, 3.1 million people forgo medical care each year for financial reasons. In Switzerland, this figure reaches 22% of the population for dental care. The situation is similar in Belgium and Canada.
Postponing dental care turns a simple cavity into an extraction. Delaying knee surgery leads to increasing immobility and job loss. Not buying the glasses you need causes chronic headaches and professional difficulties. Every postponed treatment costs more tomorrow than today.
This is exactly why our donors act to break this vicious cycle. They know that a donation of 2,000 or 3,000 euros for medical care can change the trajectory of an entire life.
Your medical care should not depend on your bank account
Wealthy and verified donors are ready to fund your healthcare expenses. Free registration, assistance with no repayment. Take care of yourself.
Discover Donors Sign Up for FreeHow to write a convincing medical expense assistance request
Donors receive many requests. Here's how to maximize your chances of receiving a donation for your healthcare:
- Specify the required treatment — Nommez exactement le soin : "implant dentaire sur molaire 36" est plus crédible que "soins dentaires"
- Indicate the exact amount of the remaining cost — If possible, attach your practitioner's quote with a breakdown of the expected reimbursement
- Explain the impact on your daily life — Pain, inability to work, impact on your children... Donors want to understand the urgency
- Show that you have explored other options — Insufficient health insurance, CMU-C not eligible, CPAM aid refused... Show that the donation is your last resort
- Be honest about your financial situation — Donors prefer to help someone who is sincere rather than someone who exaggerates their distress
One-time medical expenses vs chronic illness: Two different realities
Our platform helps both people facing one-time medical expenses (surgery, implant, eyeglasses) and those with chronic or serious illnesses. If your situation involves a long-term illness — cancer, sclerosis, autoimmune disease — we also invite you to visit our page dedicated tofinancial help for illness.
The difference is important: a one-time need of 2000 euros for a dental implant is not the same as a recurring need of 500 euros per month for unreimbursed medication. Both situations deserve help, but the way you present your request will be different.
Situations our donors understand
Here are examples of real situations for which beneficiaries have received assistance on our platform:
- Marie, 45, France — Two dental implants needed after an accident. Quote: 5200 euros. Insurance covers 400 euros. Remaining cost: 4800 euros.
- Thomas, 32, Switzerland — Knee surgery with LAMal deductible of 2,500 CHF plus co-payment. Unable to work without the surgery.
- Fatima, 58, Belgium — Essential hearing aids. Cost: 3,800 euros. Co-payment and supplement: 2,100 euros not covered.
- Jean-Pierre, 67, Canada — Complete dental prosthesis needed to eat properly. No dental coverage in retirement. Quote: 6,500 CAD.
- Sophie, 28, Luxembourg — Invisible adult orthodontics to correct a jaw problem causing migraines. Cost: 5,000 euros, not reimbursed.
Each of these people had a real and legitimate medical need, but not the means to finance it. This is exactly our platform's mission: to bridge this gap through the generosity of wealthy donors.
Explore other forms of financial assistance on our platform
Your situation may not be limited to medical expenses. Discover all the available assistance options:
- Illness financial aid — For people with chronic or serious illnesses (cancer, long-term conditions)
- Disability financial aid — For people with disabilities requiring special equipment
- Urgent financial aid — When every day counts and you need help immediately
- Family financial aid — For families dealing with both healthcare costs and daily hardships
- Financial assistance for the elderly — When retirement no longer covers growing healthcare costs
- Donation for funerals — Help with a loved one's funeral expenses
Your health is priceless. Our donors know it.
Stop giving up essential care due to lack of money. Sign up for free and connect with wealthy donors ready to finance your medical expenses. Free donation, no repayment.
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