INCREASE IN MUTUALS. After a survey of 35 organizations representing 18 million policyholders, the Mutualité française announces an average increase in mutuals of 4.7%.
[Mis à jour le 5 janvier 2023 à 10h06] Mutual insurance rates will increase in 2023! On average, each contract will climb 4.7%. Please note that not all policyholders will be in the same boat. Compulsory collective contracts will rise by 5.7%, while individual contracts will increase by 4.1%. Figures made official by the Mutualité française, after a large survey of 35 organizations. This increase is notably due to the deployment of 100% healthcare and inflation (5.9% in December 2022 over one year).
Mutuals will increase, on average, by 4.7% in 2023. Individual contracts will be less impacted with an average increase of 4.1%. As for compulsory collective contracts (of companies or professional branches), it is a cold shower with an average increase of 5.7%. But then, what can this represent on your invoice? 49 euros per insured! Mutuals reimbursed 10% more care compared to 2019, hence this strong impact in 2023, in a still heavy inflationary context. The consumer price index reached 5.9% last December over one year.
The “individual mutual” is taken out by the insured on an individual basis, to be better reimbursed for medical care. It is interesting to have recourse to this type of complementary in certain very distinct situations.
First of all, if you are not not employed in the private sectorif you are self employed Where official. If you are retreat, it is also wiser to opt for an individual contract. You benefit from the portability of your insurance contract, in other words, you keep your compulsory mutual insurance after you leave the company, but it is no longer necessarily adapted to your needs, and this employer only finances half of the contribution. Hence the importance of turning to a specific contract. Finally, if you are attached to your parents’ health insurance, you can be covered thanks to the attachment of rights holders. Know that it stops between 21 and 26 years. During this time, if you are not yet active, you can take out individual mutual insurance.
A collective contract is offered by a mutual or complementary health insurance. It is called “collective” because it is underwritten by the company for its employees. the collective contract is optionalwhile the group contract is mandatory.
For a group contract, the mutual must complete the reimbursements from Social Security. The services must correspond to all of the employees’ needs and the part of the contribution paid by the company must be the same for everyone. This contract facilitates access to care for employees, ensures the maintenance of their salary in the event of sick leave and can provide additional income in retirement.
In France, a multitude of mutuals exist. And different selection criteria may prevail depending on your job, your means, the reputation of certain establishments according to their turnover, or their number of members. According to website figures mutualsante.frhere are three rankings of the best mutuals in France, according to different criteria:
The 10 cheapest mutuals on the market:
- Smeno: 5.50 euros/month
- Axa: 7.32 euros/month
- Malakoff Médéric: 8 euros/month
- MMA: 9 euros/month
- AG2R La Mondiale: 9.48 euros/month
- Heyme: 9.90 euros/month
- Solimut: 9.90 euros/month
- Prévifrance: 11.88 euros/month
- Mutuelle verte: 17.89 euros/month
- Macif: 18 euros/month
The 10 largest mutuals in terms of number of policyholders:
- Harmony
- Macif
- General Mutual
- Adrea
- One o
- Kesia Mutual
- MNH
- DTM
- MAAF
- Matmut
The 10 largest mutuals in terms of turnover:
- Harmony
- MGEN
- General Mutual
- EOVI
- Adrea
- DTM
- MNH
- Macif
- AG2R La Mondiale
- One o