The increase in supplementary health insurance premiums will continue

Written by Meilleurtaux editorial team .
Updated on

October 10, 2024 .
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3 min

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Published on
Sunday, October 13, 2024 at 5:00 p.m
par Meilleurtaux Editorial Team

AN complementary health organizations have consistently raised their prices after the pandemic Covid 19. And according to the forecasts of certain companies in the insurance field drawn from the results of studies they have carried out, the upward trend will remain relevant for the coming year. However, the increases applied will not be as significant as those in 2024.

A steady rise from the Covid-19 pandemic

Membership in a mutual health insurance one of the ways to pay the excess that is not reimbursed by Health Insurance. It is not compulsory for everyone, it is still imposed on private sector workers, with the law requiring their employers to provide them with general coverage.

However, the prices of organizations that offer this type of insurance have grown steadily since then time after covid. The main causes of the continuous increases are mainly found in the rising health costs due to inflation, population aging and climate change. AN management and organizational reforms such as the reallocation of certain costs to mutual insurance they are also the best features of the promotion.

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More marked progress for next year

Before the pandemic, the growth in supplementary health insurance group premiums was around 2.5 to 5%. This year, according to figures from Addactis research, the increases applied were around 9 to 11% for individual contracts and 8 to 12.5% ​​for collectives.

The company’s forecasts expect a less significant change in 2025: between 4.5 and 8.5% for individuals and between 5.5 and 9.5% for contracts opened by companies to their employees. AN The average growth rate for the coming year is +6.2%. split between legislative changes (+2.5%) and health care inflation (+3.7%).

The figures from the study by the group Facts and Figures are not much different from these predictions. The increase is still inevitable, but it will be less of a burden on members compared to this year. The company expects an increase of between 6 and 8% in contributions for individual contracts.