Since 1er December 2020, customers can change their complementary well being protection at any time, the UFC-Que Choisir denounces “opacity” of redistribution to policyholders and opens its on-line mutual comparator free of cost, which is normally paid.
To make efficient “The power to make competition play”, the affiliation offers free entry to its unbiased comparator of complementary medical insurance until December 7.
The UFC-Que Choisir denounced Monday “the opacity of the sector concerning the rate of redistribution to policyholders”, placing 5 organizations on discover to adjust to the info obligation.
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.
“After years of battle for the legislation to lift the brakes on real competition in the complementary health insurance market, UFC-Que Choisir has obtained the implementation of infra-annual termination, allowing consumers to terminate at any time their contract, after the first year“.
But three months after the entry into power of this obligation, “Complements are far from all playing the game of transparency”, based on UFC-Que Choisir.
Of the 29 most necessary organizations on the market, 5 extra ones thus require to get a quote to contact a gross sales consultant or don’t provide quotes on the web.
Among the 24 quotes obtained, “Five organizations, including GMF and Crédit Agricole, do not comply with the regulations by indicating nowhere in their quotes the rate of redistribution”, denounces the affiliation of customers.
Finally, whereas the info have to be “legible, clear and intelligible”, the UFC-Que Choisir notes (*7*).
According to their evaluation, on common 76.2% of contributions go to policyholders, primarily as a result of administration charges (21% on common, and as much as 30%). However, this common masks robust disparities.
While six organisms studied exceed 80% redistribution, “almost half of the sample does not even return 75% of the contributions to the insured”, deplores the affiliation.
While insurance coverage firms reimburse on common solely 72.6% of premiums collected, the fee rises to 77.7% for provident establishments and reaches 78.4% for mutuals.