The rise in insurance prices is also in sight, in particular complementary health insurance. At issue: global warming and epidemics.
–
Food, energy, clothing… Another bad news for the French. In the coming years, the cost of their health insurance will increase, especially for retirees and families, according to the broker Reassure me after a study published by Capital. By 2030, climate change, which is causing more and more disastrous natural disasters, is also expected to increase the risk of new potentially pandemic diseases. Indeed, higher temperatures cause the proliferation of insects which carry infectious diseases and the increase of respiratory diseases such as asthma.
Health problems that inevitably have a cost, as illustrated by the Covid-19 epidemic. Health spending, which was 208 billion in 2009 according to INSEE, could reach 382 billion by 2030 in the worst-case scenario of the IPCC (Intergovernmental Panel on Climate Change). Insurers, who cover 14% of French health spending, will be increasingly in demand and households will feel it in their contributions. “ The increase in mutual fees has already been felt since the start of the 2021 school year, ”notes the courtier.r Reassure me in Capital.
Almost 4,000 euros per year of health insurance for retirees in the South
To give a concrete idea of the increase that the French will suffer, the broker has chosen three profiles: retirees, self-employed workers and families with two children. He assumed an increase in temperatures of 4 ° C and a trajectory of limited decrease in CO emissions.2.
Not everyone will be accommodated in the same boat depending on their region of residence. Better to live in the north rather than the south of the country. Corsica and Occitania would suffer an outbreak of 126% on average within ten years, while the increase would be limited to 40% in Île-de-France.
All profiles would see their complementary health insurance double by 2030. Retirees, more exposed, are the worst off and their annual budget would vary between 3 and 4,000 euros depending on the region, the worst being for residents of Corsica and Occitania . Couples with two children would do little better.
On the other hand, self-employed workers would also see their health insurance premiums soar, but in much smaller proportions (around 1,000 euros), because they do not represent a risky profile for insurers, especially the self-employed in the Ile-de-France region, who would benefit from tariffs 25% lower than the rest of France.
–
