Insurance Bad news for policyholders.
Mutual contributions increase by 3.4% on average this year, the French Mutuality announced on Friday.
The latter carried out a survey of 32 organizations covering 17 million French people.
This increase, greater than that of inflation (2.8% in 2021), is greater than in 2021 (+ 2.6%).
It is more marked for compulsory collective contracts in companies (+ 3.8%) than for individual contracts (+ 3.2%), taken out in particular by retirees.
The disparities are however significant from one mutual to another and 20% of them, in particular the Matmut, will freeze their rates.
Insurance: complementary health contracts soon to be more readable
In the fall, the Minister of Health, Olivier Véran, had yet
"firmly asked them to moderate the increase in contributions".
"was atypical with an unprecedented increase in health expenditure linked to the catch-up of care"
after the stoppage of 2020, argues the French Mutuality.
Mutuals also attribute the 2022 tariff increase to the full entry into force of the “100% health” reform, which allows policyholders to equip themselves with dental prostheses, hearing aids and glasses with no out-of-pocket costs.
“The market is in deficit and“ 100% health ”generates additional expenses,”
say several insurance experts.
Health insurance shaken by the health crisis
This uptrend could continue.
A study by Mutualité notes that between 1999 and 2019 contributions increased
"in the same way as health expenditure".
However, the Social Security budget for 2022 provides for a 3.8% increase in the national health insurance expenditure target, excluding the costs of the health crisis.