Years go by and the prices of individual supplementary health contracts continue to rise.
A surge that once again affects seniors in the first place.
For the rest of the population, the progression is more reasonable, but is very variable from one region to another.
First comparator, with 55 complementary health organizations taken into account, Meilleurassurance.com, has just completed its study on the evolution of tariffs in 2020. Three standard profiles have been defined: a young employee of 25 years old and a couple with two children, all covered by “classic” guarantees, and finally a 60-year-old couple benefiting from “reinforced” guarantees (which offer better reimbursements).
14.6% increase in Paris
“The prices have never been so high in France.
In 2020, fifteen departments crossed the threshold of 3,000 euros in annual contributions for a senior couple with enhanced guarantees, explains Fabien Soccio, spokesperson for Meilleureassurance.
It is more than 176 euros of average increase in one year ”, he noted.
The prices are highest in Ile-de-France, Corsica and around the Mediterranean.
Paris winning the palm with an annual bill of 3,247 euros for a retired couple.
A year earlier, this couple paid 2,834 euros.
In his case, the increase is staggering: 14.6% in one year!
For this type of "reinforced" contract, chosen by 20% of seniors, the national average price was 2,560 euros last year.
A year later, the national average price rose to 2,871 euros, ie inflation of… 12.1%!
All of France concerned
Even when we are interested in the lowest prices, we can only see a surge.
Thus, last year, the best price for these contracts was invoiced in the department of Cher: 2390 euros.
This year, the prize goes to Mayenne, but this floor price is now 2,719 euros.
This cheapest price thus jumped 13.7%!
A violent and general increase, therefore, for these seniors.
READ ALSO>
Contracts at -28% for retirees thanks to a group purchase
“This year is special, pleads Fabien Soccio.
In addition to the natural increase in spending of 4% per year, there is the implementation of 100% health, the dreaded effect of terminating contracts at any time (from December) and the unknown factor of maintaining rights when we announce 800,000 job cuts ”.
Regarding the couple with children, who pay a national average of 1,094 euros per year in 2020, they have seen their bill grow "only" by 4%.
Only the young employee wins in the study with an average contribution that has remained the same.
20 to 25% savings depending on the contract
The other surprise of the study is the disparities between departments.
With similar guarantees, a senior couple is billed 528 euros less in Mayenne than in Paris.
And the young Parisian employee pays 30% more than his counterpart in Mayenne or Loire-Atlantique.
Newsletter "It pays me"
The newsletter that improves your purchasing power
I'm registering
Your email address is collected by Le Parisien to enable you to receive our news and commercial offers.
Learn more
In the end, Fabien Soccio is worried: "It's a safe bet that the national average contribution will also cross 3,000 euros in the next two years".
Young people, seniors, self-employed workers to whom individual contracts are addressed ... Can everyone still afford additional coverage?
Hence this advice from the expert: "You have to regularly compare contracts, this can save 20 to 25% and adapt your guarantees to your needs."