After increases of 4% in 2019 and 5% in 2020, complementary health insurance has never been two without three.
According to the consumer defense association UFC Que-Chooser, median inflation in 2021 will be 4.3%, i.e. an additional cost for the household budget of around 79 euros on average over the year and even more than 200 euros for nearly one in five insured.
READ ALSO>
Covid-19: complementary health will pay a surcharge of 1.5 billion euros
To arrive at this conclusion, the UFC collected expiry notices for complementary health insurance for 2020 and 2021. It was able to study 623 individual contracts from 123 different complementary organizations.
The analysis of contracts shows the great disparity in practices between complementary organizations.
“Thus, among the 17 organizations for which we have received the most contracts, median inflation ranges from 0% to… 8.5%”, details the association adding: “Si Muta Santé, Pro BTP, la Mutuelle Générale and the MNH have increased their rates by less than 3%, Adrea Mutuelle, Klesia, Swiss Life and Malakoff Humanis are approaching or exceeding, in our sample, the 7% median inflation ”.
An increase "hardly justifiable"
According to the UFC, this new sharp increase in prices is difficult to justify while the health crisis has paradoxically been favorable to them.
"The most marked increases can not therefore be justified by the environment imposed on the complementary with the final deployment of 100% health since January 1, the implementation of a" covid tax "of one billion euros in 2021 to compensate for the 2.2 billion euros saved on their reimbursements due to the Covid-19 epidemic… ”, estimates the association.
“Everything therefore suggests that certain organizations have deliberately chosen to pass on the“ covid tax ”to policyholders, even though its amount is lower than the savings made!
», Protested the UFC.
Therefore, the association invites consumers to play competition by reminding them that they can terminate their contracts at any time.
UFC calls for more transparency
At the same time, the association calls on the government to act to improve the comparability of offers.
"Several obstacles are now hindering the success of the reform, including the difficulty in comparing offers," adds the UFC before taking examples.
"Thus, among the fifteen large complementary for which we studied the quotes, two thirds continue to use percentages greater than 100% for dental or audiology guarantees, a source of confusion for policyholders, instead of expressing them in euros. .
"Or again:" in the same way, eleven organizations persist in not distinguishing their reimbursements from those of Social Security "...
Newsletter It pays me
The newsletter that improves your purchasing power
Subscribe to the newsletterAll newsletters
The UFC therefore asks to regulate the comparability and readability of complementary insurance offers, to ensure better transparency on management costs, with information on the "redistribution rate" available on the website. complementary but also to allow access to contracts and prices of complementary without having to provide personal information (phone number, email, etc.).
