How do you feel about risk? And do you have any financial cushion?
As if you have no, or just a small, financial cushion then something like a hospital only policy is probably wise. That is where the big costs can get you. And you are at a period of your life where these things are perhaps more likely to happen.
Beyond taking out something like that, unless you are strongly risk averse, if you are in reasonable health right now why not just wait and see? You have only just settled here and maybe need more time to work out what your living costs here will be and what sort of level is affordable for you?
On the other hand, if your financial cushion is large and fluffy then you can take out a top of the range mutuelle and perhaps not even feel the impact on your bank balance. Or just ditch the whole concept and self-pay!