2023-12-19 07:30:08
In a corridor of the Bordeaux Nord Aquitaine polyclinic, in Bordeaux, December 11, 2023. THIBAUD MORITZ/AFP
It is one of the main players in the world of complementary health insurance which has just revealed its cards. The French Mutualité, which brings together nearly 500 mutual insurance companies (representing 35 million insured people), made public, Tuesday, December 19, the result of its annual survey on rates for 2024. The communication comes in a tense context with the Ministry of health, which called on all supplementary companies to moderate the increases – mutual societies, provident institutes, insurers – in a standoff now usual every winter.
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The figure is not a surprise but the increase in contributions seems unprecedented: it will amount on average to + 8.1% in 2024, announced the Mutualité française, which brought together the rates of 38 member organizations of the federation covering 18.7 million policyholders. Which will represent +7.3% for individual contracts, and +9.9% collectively. With wide ranges depending on the organization: between 2.5% and 10% increase for individual contracts, and between 0% and 11.7% for collective contracts.
While the trend was rather around + 3% to + 4% in past years, the French Mutualité justified this jump by health expenses “extremely dynamic in 2023” (+ 6 %).
“Unacceptable”
Avenue de Ségur, the tone is raised. “If we can explain an increase of 5% to 7%, which is already significant, the increases announced by certain organizations which can go up to 12% are unacceptable”declared the Minister of Health, Aurélien Rousseau, in a communiqué broadcast, Friday December 15, after a meeting with representatives of the complementary groups.
Insured persons who have individual contracts and companies which have subscribed to collective contracts “must fully implement the contract termination clauses, if they consider that the complementary organizations have not been able to explain these increases to them”, added Mr. Rousseau. Warnings, which have not been supported by announcements.
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Already in mid-October, the general director of the National Health Insurance Fund, Thomas Fatôme, had stepped up against the surge in prices, evoking, in the columns of Monde, an evolution “very unreasonable”. The ranges put forward, at the time, by a research firm, were between 9% and 11% for individual contracts, and between 8% and 12% for collective contracts. They have been confirmed ever since.
“I do not wish to enter into a controversy with the minister or the governmentreacts the president of the Mutuality, Eric Chenut. The fact is that health spending is increasing much faster than national wealth, and the gap has been widening since the health crisis. » “The major problem is the sustainable financing of the social protection system, he adds, and we all have to work on it together. »
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