You will have to pay a little more for mutual insurance in 2025. The price increases planned by complementary health insurance should in fact remain at a high level next year. However, these variations will be a little less significant than in 2024, according to estimates from the specialist firm Addactis published on Tuesday.
Addactis, which conducted its survey among around twenty mutual insurance companies, pension institutions and insurers, predicts price increases in 2025 of between 5.5 and 9.5% in collective contracts (subscribed by companies for their employees), and 4.5 and 8.5% in contracts subscribed individually (particularly retirees).
Increases of up to 11% in 2024
In 2024, rate increases varied between 8 and 12.5% for group contracts, and between 9 and 11% for individual contracts, according to figures from the firm specializing in actuarial science.
The Fact and Figures firm, which also published its estimates on Tuesday, is on the same trend, a high increase, but less than last year. It predicts a 6 to 8% increase in individual supplementary health insurance rates in 2025, compared to an average increase of 8% predicted last year.
Prices have exploded since Covid-19
According to Addactis, these increases in contributions are linked to the general increase in health expenditure (inflation, aging of the population, climatic conditions), but also to regulatory changes, such as the transfer of charges from health insurance to supplementary health insurance. In the median rate of increase expected in 2025 for supplementary health insurance contracts (+ 6.2%), 3.7% is due to the general increase in health expenditure, and 2.5% to regulatory changes, according to Addactis.
Health insurance contributions were changing less quickly before the Covid-19 crisis, generally in a range between 2.5 and 5% according to Addactis data.
