The UFC-Que Choisir noticed an increase in the costs charged by medical insurance in 2021. Why? And how does the affiliation need to struggle towards the lack of legibility of contracts? Explanations.
4.3%: that is the median inflation determine for costs charged by mutuals in 2021 (in comparison with 2020 and bearing in mind the age of policyholders), as not too long ago revealed by theUFC-What to Choose after analyzing greater than 600 particular person contracts linked to 123 totally different well being insurances.
An alarming determine, in line with the affiliation, which is a part of the rising increase in latest years (4% in 2019, 5% in 2020) and represents, very concretely, a mean extra value of 79 euros per yr and per family. Three occasions greater than the forecast increase in our buying energy, it’s significantly unwelcome in this era of well being and financial disaster.
The Covid tax at the origin of the increase?
If, in line with the UFC-Que Choisir research, the charges and practices range vastly from one mutual to a different (starting from 0 to eight.5% increase in 17 giant organizations, together with Adrea Mutuelle, Swiss Life and different Malakoff Humanis), this increase could possibly be partly defined by the deployment of 100% well being, however not solely.
Indeed, and nonetheless in line with the affiliation, the introduction in 2021 of a Covid tax of 1 billion euros presupposed to offset a part of the 2.2 billion euros in financial savings on reimbursements following the pandemic would have pushed a few of the organizations to increase their costs to cut back its influence. And this although the quantity of mentioned tax is lower than the complete of the well-known financial savings.
Difficult to play the competitors
Why not change the mutual, subsequently, in the occasion of a prohibitive increase? Well, fairly just because it’s not that straightforward. Between percentages greater than 100% in sure sectors (audiology, dental care), reimbursement tables that can not be discovered or disconnected from the assure tables and reimbursements indistinguishable from these of social safety, the insured don’t have the crucial instruments to research the market and discover the finest offers.
This can be why the UFC-Que Choisir is at this time asking the authorities to intervene, and in explicit to enhance the comparability of gives, acquire from organizations complete transparency on administration charges, and even permit entry. to contracts with out being compelled to supply private knowledge. In brief, a case to observe!