2023-10-18 12:11:50
Due to the increase in reimbursements from policyholders, complementary health insurance companies find themselves forced to announce an increase in prices to their customers. The main reason for this increase is attributed to transfers of social security charges
An increase of 4% recorded during the 1st quarter of 2023
According to the main health insurance players, i.e. insurers, provident institutions and mutual societies, the start of 2023 was marked by a 4% increase in health benefits. And it must be said that this situation intends to repeat itself in 2024, with new increases in perspective. Some insurers are planning even more significant increases, like Malakoff Humanis.
“Traditionally, we were faced with increases of 2 to 3% per year, which allowed us to have regular and smooth management,” explains a manager of the group during an interview with AFP. “But in 2022, we finished between +5 and +6%, and 2023 looks worse, with almost +7%. In total, we anticipate almost 20% more spending over three years until 2024. We have never seen that,” he explains once more. An increase that specialists in the Addactis field estimate between 8 and 12.5% for collective contracts and between 9 and 11% for individual contracts.
Health insurance denies the news
Since the 100% health reform, complementary health insurance companies say they are forced to provide a greater share of coverage, particularly for dental, optical and audiology care. Because, since October 15, health insurance has only reimbursed optical care at 70% and dental care at 60%. The rest is the responsibility of complementary health insurance, which, in response to this situation, therefore plans to increase its prices.
However, according to the general director of Health Insurance, Thomas Fatôme, the transfer of burden is not as important as one might think. “We always hear regarding additional costs (for complementary health insurance), but never regarding reduced costs. But there are some,” he emphasizes. “Each year, some 300,000 to 400,000 people experience “long-term illness”.” he adds. This is 100% total coverage provided by health insurance. This represents, for complementary health insurance, “several hundred million euros in less support. “.
Likewise, health insurance has increased its drug reimbursements, offering 100% reimbursement for innovative drugs. “In five years, the reimbursement rate has increased by 1.7 points to 88.5%,” indicates Thomas Fatôme.
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