In the midst of an financial disaster, with buying energy at half mast, the capsule may be tough to swallow. French households could have to pay the contribution to their complementary health 4.3% more expensive than final yr, in accordance to a research printed this Thursday by UFC-What to choose. For this research, the affiliation screened 623 particular person contracts, despatched by its members after a name for testimony. “We have received at least 10 contracts, and up to 79, from 17 complementary organizations”, specifies UFC-Que Choisir.
Muta Santé, Pro BTP, Mutuelle Générale and MNH have elevated their costs by lower than 3%. When Adrea Mutuelle, Klesia, Swiss Life and Malakoff Humanis strategy or exceed 7% inflation. “Not everyone is in the same boat,” emphasizes Alain Bazot, president of UFC-Que Choisir. The actors act in probably the most complete opacity! “
Professionals decide the research “insincere”
This increase on individual contracts corresponds to a median annual additional cost of € 79 ( Editor’s note: median means that 50% of the increases are less than 79 € and 50% higher ), and up to € 200 for some of them. ” In 2019 and 2020, the rise was already 4 and 5%, strangles Alain Bazot, president of the UFC. This enhance is illegitimate. Nothing, economically, justifies it. Even if we should acknowledge a range of habits amongst professionals. “
The study provokes the ire of professionals in the sector, who deem it “insincere”, “biased” or even “ridiculous”. “The contracts assessed correspond to shipments made by clients, which undermines the representativeness of the sample and does not reflect reality at all, contests a spokesperson for Swiss Life. The median increase is 3% – excluding aging – across our entire dedicated portfolio, ie 267,376 contracts. “
Contracts scrutinized “not representative”
“The 10 to 70 contracts studied by UFC-Que Choisir are not representative of our portfolio which covers 10 million policyholders. The average indexation rate of our collective and individual health portfolio is 2.3% for the year 2021 ”, retorts at Malakoff Humanis.
The basic supervisor of Mutualité Française, Albert Lautman, additionally denounces the “lack of seriousness” of the research. “Every year, they give us data, every year they are contested and questionable,” he says. We ourselves printed a research on Wednesday, analyzing 14 million contracts, with 32 completely different mutuals. The common enhance is 2.6%! This is the development of the final ten years. At the identical time, refunds elevated by 29%. Everything is logical and coherent. “
But even when these will increase are much less robust than these denounced by the UFC, they’re no much less shocking when in 2020, professionals in the sector have saved 2.2 billion euros. Many therapies and operations have in truth been canceled due to the health disaster. In view of those positive aspects, the State has additionally imposed a “Covid tax” on complementary health insurance coverage inside the framework of the Social Security financing regulation (LFSS) for 2021. “Complementaries are catching up on the backs of consumers . It is unacceptable ! »Exclaims Alain Bazot.
The “100% Health” put forward
Albert Lautman refutes this interpretation. “Without tax, we could have considered lowering contributions to redistribute our earnings. But the question did not arise, since the State has chosen to be the recipient, he underlines. The increase responds to the aging of the population, the increase in chronic diseases and the new benefits covered. »Professionals particularly highlight the 100% health, which has been extended since January 1. Baskets of healthcare services and identified equipment in audiology (hearing aids), optics (eyeglasses) and dental (dental prostheses) are now 100% reimbursed for French people with responsible complementary health care – i.e. 95% contracts.
The UFC-Que Choisir, which welcomes this “great advance for the consumer”, now wants to fight on “the comparability of offers which must be improved”. “We got to be able to change complementary at any time. But customers are put off to do it, ”regrets the president of the affiliation. In query, the presentation of reimbursements of sure contracts in the type of “incomprehensible percentages”. The affiliation advocates “standardization in the presentation of presents”.