Last week, the consumer association UFC-Que-Choose denounced a further sharp increase in the prices of complementary health insurance in 2021 (4.3%), even though the health crisis was favorable to them. On the same day, the National Federation of French Mutuality (FNMF) published its study on the evolution of contributions for 2021. According to her, the average evolution of contributions will stand at 2.6%.
Diametrically opposed calculation methods can explain these notable differences in results. In all cases, the price of health contracts shows an increase. Focus.
UFC-Que-Choose denounces 4.3% inflation
To estimate the median inflation of complementary health contracts, the consumer association collected complementary health insurance expiry notices for 2020 and 2021. The call for evidence enabled the association to study 623 individual contracts, from 123 different complementary organizations.
This method of calculation revealed median inflation of 4.3%, which is three times the increase in the purchasing power of the French. Clearly, the mediating annual additional cost would be 79 € on average, an amount of up to 200 euros for nearly one in five insured.
For the UFC, this increase is not justified by the environment imposed on complementary (full deployment of 100% health since the beginning of the year, implementation of an exceptional tax due to the health crisis amounting to € 1 billion) given that it applies to all complementary health insurance, even the most “virtuous”.
Everything suggests that some organizations have deliberately chosen to pass on the Covid tax to policyholders, even though its amount is lower than the savings made!
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The termination at any time of supplementary health insurance, in force since 1is December 2020, could in these conditions become very relevant, despite too little readability of guarantees, preventing consumers from fully playing the competition.
French Mutuality estimates
After having carried out the survey of its member mutuals, the French Mutuality estimates the average change in mutual contributions at 2.6%. For 2021, 32 mutuals participated in the survey, covering 13.9 million people in complementary health.
The FNMF explains this increase in contributions by the increase in health expenditure estimated by mutuals in 2021, which should be “amplified by catching up care”, but also by taking into account ” Covid tax ».
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