At present, nearly 4% of French people still do not benefit from additional coverage. To try to remedy this, life insurance plans to seek more funding from insurers. The latter retort, however, that this would not be the solution, pointing out the flaws in the French health system.
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The High Council for the Future of health insurance (HCAAM) must present a report this summer mentioning possible avenues of financing for health. An additional financial contribution which aims to reduce the rate of French people not benefiting from complementary health coverage. Insurers, all families combined, would thus be more involved through taxes that will be imposed on them by the executive. A solution denounced by the Association for the Development of Insurance in France (ADAF).
According to this association, the French health system is one of the most efficient in the world and the problem is not funding, but rather access to care.
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Reform coverage of young people
For the ADAF, the French health system has flaws, which do not result from the financial resources made available to Social Security. The association points in particular to the coverage of young people and the elderly. Its president, Jean-Claude Seys, indicated that the system of leave 4% of French citizens without additional coverage. However, most of these people without coverage are young people who are in good health and therefore have no interest in taking out an insurance contract.
In addition, a good number of them have voluntarily chosen not to access additional coverage. To the president of the ADAF to add concerning these young people:
They could take out willingly if there was very low cost “high risk” insurance, but no one sells it anymore, because the state decided to consider that these kinds of contracts were not responsible.
According to the association, the solution to reduce the rate of French people without health insurance complementary would thus be to take care of the individuals concerned by attaching them to the contract of their parents for a fixed period, and not to increase funding.
Reduce costs thanks to more favorable tax conditions
Among the French renouncing additional coverage, there are also seniors. And for good reason, the cost of complementary health insurance is high for the elderly. On this point, insurers can be seen as at fault, but in a way you can’t blame them.
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The state of health is one of the fundamental criteria taken into account in determining contributions. However, the consumption of care among seniors is higher. Insurers, having to amortize their expenses, thus set higher prices. Nevertheless, the ADAF assures that health could cost less for the elderly if they had more favorable tax conditions, pointing the finger at the collective contracts of the active.
Indeed, collective contracts benefit from very advantageous tax and social exemptions compared to non-active ones. To Jean-Claude Seys to denounce:
There is a great legal and fiscal principle in France which is the equality of all before taxes. So why are some subsidized and others penalized?
According to the ADAF, establishing collective contracts for the elderly would significantly reduce costs and thus encourage more seniors to subscribe to complementary health insurance.
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