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HEALTH – An additional enhance within the costs of complementary health insurance is anticipated. According to a examine byUFC-Que-Choose, revealed this Thursday, January 21, it stands at 4.3% in 2021, “ie three times more than theincrease of purchasing power hoped for by French this year”, Planned at“ 1.5% according to the 2021 Finance law ”, lamented theconsumer defense association.
To get hold of these outcomes, the affiliation referred to as for testimonials and studied greater than 600 particular person contracts from 123 organizations. In this era of disaster, the rise in tariffs “weighs heavily” on “the household budget”, explains the affiliation, since 50% of beneficiaries ought to see their tariff enhance by 79 euros on common. The Covid-19 epidemic had nonetheless moderately benefited from complementary health, with 100% coverage of coronavirus-related care in particular.
Among the complementary, there are disparities: Muta Santé, Pro BTP, the Mutuelle générale are notably among the many good college students, with average will increase, whereas Swiss Life or Malakoff Humanis are these which have elevated their costs essentially the most.
The “Covid tax” within the crosshairs
The will increase are “unjustified” based on the affiliation, since all organizations are confronted with the identical constraints, specifically “the implementation of a Covid tax of one billion euros in 2021 to compensate for the 2.2 billion euros. ‘euros saved on their refunds due to the Covid-19 epidemic ″. According to the association for the defense of consumers, some organizations have therefore “deliberately chosen to pass on the Covid tax to policyholders, even though its amount is lower than the savings made”.
Since December 1, 2020, it’s attainable to terminate your mutual insurance contract free of cost at any time, and to vary complementary health insurance, to convey competitors into play. But as defined by Loriane Lemaine, health specialist at UFC-Que Choisir, interviewed by BFMTV, this could generally show to be tough for customers: “There is far too much use of percentages on certain reimbursements, which could easily be expressed in euros. I am thinking in particular of optics and hearing. This is not at all meaningful for users. In addition, the complementary ones do not exhibit the same reimbursements with the same vocabulary. ”
Faced with these blockages, the UFC-Que Choisir subsequently asks the federal government “to finally act to improve the comparability of offers, still lacking” based on her. The intention is to make them extra readable and simpler to check for beneficiaries.
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