The prices of mutual, insurance and other complementary health insurance have jumped by more than 7% in 2023 compared to 2022, said Wednesday the consumer association UFC-Que Choisir, which denounces a "
blow on purchasing power
" .
“
Contributions are soaring
”: like every year, the UFC-Que Choisir conducted its survey on the prices of complementary health insurance.
A study focused on individual contracts, which therefore reflects the situation of retirees more than that of active workers.
To discover
Pension reform: calculate the age at which you will finally leave
On the basis of “
594 contracts relating to 128 organizations
”, the study concludes with “
a median increase of 7.1%
” or “
126 euros over the year
”.
In one out of five cases, the increase even exceeds 240 euros.
Amounts qualified as a "
blow on the purchasing power of consumers
", while "
inflation is reaching peaks
" and stood at 5.2% last year, underlines the association in a press release .
The trend appears more marked among insurers (+9%) and provident institutions (+8.8%) than among mutuals (+6.9%).
This last figure is, however, significantly higher than the 4.1% announced by the French mutual insurance company at the beginning of January for the same individual contracts, based on data provided by 35 organizations covering 18 million policyholders.
A difference which is partly explained by different calculation methods, the Mutualité comparing rates at constant age, when the UFC-Que Choisir takes into account the increase "
applied according to the age of the insured
" i.e. "
1 % to 2% per year
”.
Read alsoMedical deserts, fee overruns: UFC-Que Choisir is sounding the alarm
The association, however, points to the "
lack of clarity
" of complementary health insurance, whose expiry notices often fail to "
mention(r) the price increase in euros or in percentage
", as well as the "
management costs of organizations
», which represent on average 20% of the contributions paid.
To remedy this, it "
calls on the government to impose more transparency
" so that consumers can "
compare offers (and) compete via termination at any time
" which came into force at the end of 2020.
