This is one of the major questions that many players in the world ofpersonal insurancegathered in Cannes on the occasion of the 34th edition of Reavie, arises: at what level will health price indexations be located on January 1?
In the aisles of the international meeting of life and personal insurers, all the delegates interviewed spontaneously mentioned “the consequences on indexations” of the forecast, resulting from the Social Security financing bill (PLFSS), a new transfer of health insurance costs to complementary insurers amounting to €1.1 billion. And often complain about this new transfer in a context where the sector is also targeted by a senatorial report calling into question the high price increases in 2024. “This new transfer of charges is proof that the government is burying the the idea of the Great Social Security and that he takes us for a tax collector!” tackles a leader.
Individual and collective increases in 2025…
Concretely, in individual healththe increases in contributions or bonuses mentioned in Reavie’s alleys will most often be between “8 and 10% individually”, while in collectivethe range of pivotal rates will be between “9 and 13%”, including the evolution of the annual social security ceiling (Pass) for 2025, estimated at 1.5%. Some even mention a range between 12% and 15% on certain collective contracts. Developments higher than the figures published in the latest study by the actuarial firm Addactis.
On this matter, discretion is required. “No one wants to give their indexation levels to the competition but everyone wants to know who will do what,” whispers a manager. The subject is all the more sensitive this year as the late presentation of the PLFSS forced complementary organizations to be responsive in reviewing their indexation levels. “We were able to raise our key rate by 0.9% at the last moment for individuals and groups,” reports the general director of a mutual insurance company. His goal? “Achieve balance at the end of the financial year” and “not apply reindexations during the year”.
..which could continue in 2026
On the other hand, for organizations which had already defined and communicated their rates to members, the question of potential contribution reminders arises. “We announced the minimum without knowing this transfer, that is to say between 7 and 8% individually and at least 8% collectively depending on the P/C ratio,” explains the general director of a mutual. After reflection, and for reasons of “loyalty” of members, his organization will not practice reindexing during the year. But “from next year”, he anticipates, “especially since it is not impossible to see new transfers of costs from compulsory health insurance to supplementary health insurance”.
This other manager of a social protection group assures him: “Regarding the transfers announced in this PLFSS, if we do not fully pass them on this year to the 2025 prices, because they are already quite high – we have left to have increases between 8 and 10%, once again – we will be obliged to do it on the 2026 prices.
