In France we enjoy one care system almost unique in the world. That social Security overcomes the essential and ensures that everyone can cure. However, to cover yourself for dental or optical care, you can take out supplementary health insurance. Sometimes it happens that the mutual is also supported by the employer. In any case, it turns out to be very useful in protecting the whole family against the unexpected. Unfortunately, between last year and today, the size of the required contributions for this type of insurance has climbed We explain what to expect with this price increase.
Policyholders must pay more for their mutual
As a reminder, mutual insurance works like insurance which covers your health. In a healthcare system like ours, this means that your deputy pays your medical expenses are not reimbursed by social security. The mutual insurance company can thus help you choose the best pair of glasses or the denture you want.
But again, as far as classic insurance, not everyone has the same opportunities. You can have a mutual that covers you very little, or a complementary that takes everything care procedures covered at 100%. The more your mutual provides actions, the more it costs, of course. And in 2022, things don’t seem to be getting any better. Take effect, an insurance comparator recently did a survey that got people talking about it. it is Better insurance rates. The company has carried out this study in collaboration with Europa 1 and the echoes. The data show that contribution for a mutual cover, a family of 4 increased by 6%.
Specifically, a household that paid 1100 euros in 2021 now pays 1712 euros for complementary health. A result that is worrying in a country like France. In fact, the average age of the population continues to rise. And this demographic assumes a strong and fair health system.
Why this price increase?
As we mentioned above, isinflation affects (indirectly) all sectors. Inevitably, the care covered by mutual insurance (drugs, prostheses, etc.) is not immune to this general price increase. However, context of recent years also plays a large role in this increase.
The years 2020 and 2021 have thus been largely affected The COVID crisis. And during this period, medical expenses have been at a high rate. Actually too fight the pandemicit was necessary to make many screening test. In addition, there are complications regarding the epidemic necessary hospitalizations and unique treatments. The costs covered by your health insurance have therefore exploded. So now this increase is felt on your contribution.
But the study published by Best insurance rates also shows regional differences. Also, The cost of mutual insurance remains higher in Ile-de-France than anywhere else ! in the question? The over-invoicing practiced by doctors and the greatest use of care in this region.
Despite this increase, a good mutual seems more useful than ever. In fact, our public health system is going through a difficult period, condemned by all relatives. It is better to take one more security. Nevertheless, it must be understood that the complementarians have nothing available to them the most modest.