But do your sums first. If you are in reasonable health, don’t wear glasses and have ok teeth then you can pay out far more on a full cover mutuelle than you get back.
We worked out that we paid around 1000€ a year more than we received back. So now have a much more affordable hospital cover only mutuelle, and pay the amounts not covered by the CV ourselves. So far (this is year 2) we are significantly better off.
And for the straightforward hospital interventions we’ve had haven’t even needed to use the mutuelle. OH had a hernia op that cost him just the daily hospital forfait of 18€. In Tory’s example she does say they used a ‘private doctor’, which so perhaps a secteur 2 one which isn’t covered in full by the CV. But to get that covered by a mutuelle you would need one with 150% cover or more.