Contributions from complementary health insurance have increased sharply in 2023. Comparing market offers can be advantageous, especially since it is possible to terminate at any time once the first year of the contract has elapsed.
For several years now, employees have benefited, apart from limited exceptions, from supplementary group health insurance by subscribing to the contract negotiated by their employer. Retired people, the self-employed or even students, meanwhile, have to manage on their own to find one and, on arrival, the bill can be steep! Insurance companies, provident organizations and mutuals have not gone with the back of the spoon when setting the amount of their 2023 contributions. On average, they have jumped by 7.1%, according to a study recently published by the ‘UFC-Que Choisir. The 594 notices of expiry collected from participants in the survey also made it possible to establish that this increase had increased the contributions by €126, still on average. In 20% of cases, this increase was even higher than €240.
However, spending too much on health coverage is not inevitable. Since 2020, the insured has the option of terminating his contract at any time after the first year has elapsed. This hard-won right, in particular thanks to the mobilization of the UFC-Que Choisir, makes it possible to play the competition between the various actors of the sector. And termination is now easy. From a legal point of view, it is safer to request it by registered letter with AR, but the law indicates that it can be claimed by means of “any durable medium” (for example, an e-mail).
Take into account the prices but also the extent of the guarantees
Note: when selecting an offer, although the price is obviously to be looked at closely, policyholders must also study with the greatest care the extent of the guarantees offered – in fact, for certain profiles, a basic formula may be sufficient. However, on the readability side, professionals still have a lot of progress to make. It remains complicated to understand what is covered or not, and what will be the amounts of reimbursements supplementing those of Health Insurance… Faced with such a finding, consumers looking for complementary health insurance will no doubt be sensitive to the initiatives taken here. and there to help him make his choice. The one described in the box below is one!
A contract negotiated by UFC-Que Choisir
UFC-Que Choisir plays its role of consumer support by seeking concrete solutions. After a call for tenders sent to the 10 leading players in the health insurance market, its subsidiary, SAS Que Choisir, is able to offer a contract (group purchase) which combines affordable prices – it is blocked for 2 years –, coverage adapted to everyone’s needs, no waiting period and rapid processing of claims. Description of the offer on Complémentaire santé ensemble or by phone on 02 70 00 35 25.
2023-06-12 01:04:11
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