From December 1, as with automotive and residential insurance coverage, policyholders can be ready to change their complementary medical health insurance at any time whose prices have never been higher. A measure that comes as the UFC-Que Choisir denounces “the opacity of the sector concerning the rate of redistribution to policyholders”. The shopper affiliation has simply put 5 organizations on discover to adjust to the data obligation.
Indeed, the redistribution fee, the publication of which has been obligatory since September 1, corresponds to the ratio between the quantity of advantages paid and the quantity of contributions collected by the insurer. According to the UFC, three months after the entry into power of this obligation, “the complementary are removed from all enjoying the sport of transparency. “
Of the 29 most important organizations on the market, five additional ones thus require to get a quote to contact a sales representative or do not offer quotes on the internet.
5 organizations do not comply with the regulations
Among the 24 quotes obtained by the association, “5 organizations, together with GMF and Crédit Agricole, don’t adjust to the rules by indicating nowhere of their quotes the redistribution fee”, provides the UFC by insisting that ‘in precept this information must be “legible, clear and intelligible”. “In 21% of instances, the ratios are written in microscopic font and significantly hidden”.
According to the UFC analysis, it is on average 76.2% of contributions that accrue to policyholders, mainly due to management fees (21% on average, and up to 30%).
While six organizations studied exceed the 80% redistribution, “practically half of the pattern doesn’t even return 75% of contributions to policyholders”, notes the association. While insurance companies reimburse on average only 72.6% of premiums received, the rate rises to 77.7% for provident institutions and reaches 78.4% for mutuals.
This transparency of redistribution charges will nevertheless be important to permit policyholders to compete. To navigate, the affiliation has due to this fact determined to present free entry to its unbiased comparator of complementary well being till December 7.