There should be no break in the increase in the price of supplementary health insurance in 2022. With an average increase estimated at +3.4%, it is becoming vital for many households to better anticipate and manage their health budget. New players like mySofie stand out with innovative solutions on mobile apps and additional supplement formulas.
Up to 5% increase in complementary health insurance in 2022
According to the figures recently communicated by the Mutualité Française, the coming year should not be favorable to members of mutual and complementary health insurance. After surveying 32 institutions representing a total of 17 million French people, the organization estimates the average price increase at +3.4% in 2022 according to Capital. This is a larger increase than in 2021: the average increase, already significant, was limited to 2.6% at the time.
Employees covered through their company are the worst off. The price increase for collective mutuals should amount to 3.8% on average, against 3.2% for individual contracts.
Not all members are equal when it comes to price increases
- 20% of mutuals have announced a price freeze in 2022 for their members;
- For half of them, the price increase should not exceed 2.4%;
- 5% of members, however, should see a considerable increase in the amount of their subscription, of the order of +5.3%.
Become an actor of your health expenses: the mySofie concept
Between €204 and €2,000 saved per family: mySofie has, at the very least, enough to hold the attention of many households wishing to optimize their health expenditure!
Accessible by downloading a mobile app or directly from your Internet browser, mySofie can be defined as a health aggregator, able to track all your expenses and mutual insurance reimbursements. In particular, it provides a response to policyholders who consider the reimbursements of supplementary insurance to be opaque, difficult to understand and often erroneous.
In practice, a family can register their health insurance(s) on the application in a few seconds, and then use it to track their CPAM and mutual reimbursements. The concept, launched in 2018, has met with undeniable success with:
- More 3.5 million treatments analyzed daily by the app’s powerful algorithm;
- Over 170,000 members already registered on the platform;
- More 220 mutuals and social security schemes compatible, making the application virtually accessible to everyone.
In addition to a simplified view of health reimbursements via a care diary, mySofie offers free access to several features, including a diagnosis of the family’s health needs or regular sending of health information and advice.
myBooster: a supplement specializing in community medicine
Using an aggregator like mySofie will protect you against reimbursement errors from your mutual, but not improve them. However, many contracts today tend to gradually cut back on the quality of guarantees, while letting their prices go up.
Based on this observation, mySofie has imagined a new service, myBooster, a health supplement which provides additional reimbursement, in addition to the basic Social Security scheme and your mutual
Health supplements have already been offered by a variety of insurers and other providers for many years. So they don’t have a priori nothing exceptional. myBooster, however, stands out for several key features like:
- A specialization in general medicine and alternative medicine, with reimbursements concentrated, for example, on the consultation of specialist doctors, physiotherapists, etc.
- A transparency of the different formulas proposed, classified according to the remainder payable by the member;
- A 100% digital interface, easy to manage and track from the mySofie app.
What are the prices and myBooster offers?
myBooster currently offers three ranges of top-up contracts with:
- The formula DocEnVille 25, to reduce your balance by 25%, to €3.99 per month;
- The formula DocEnVille 50, to reduce your balance by 50%, to €7.49 per month;
- The formula DocEnVille 75, to reduce your balance by 75%, to €10.99 per month.
The inflation of mutual insurance rates will continue in 2022. To optimize their health budget, many French people no longer hesitate to track down the slightest penny of reimbursement with mySofie. Subscribing to a myBooster top-up can also be a solution to reduce your out-of-pocket costs.
Key points to remember:
- Complementary health insurance should experience an average price increase of 3.4% in 2022;
- The mySofie platform, which specializes in monitoring CPAM and mutual insurance reimbursements, has already exceeded 170,000 subscribers;
- At the same time, it is launching myBooster, an innovative supplementary health service for community medicine and alternative medicine.