The surge in prices is also catching up with complementary health insurance, but not for reasons of inflation. Mutual insurance contributions will increase by 4.7% on average in 2023, the Mutualité française announced on Thursday 5 January. They are driven by a “sharp increase” in reimbursements last year, but the increase will still remain more than one point “below inflation” located at 5.9 in 2022, notes the organization. .
In detail, this price increase will affect working people more than retirees: so-called “collective” contracts (of companies or professional branches) will increase by an average of 5.7%, while contributions for individual contracts will increase by 4.1%.
The progression was determined according to a survey of 35 organizations covering 18 million policyholders, specifies the Mutuality in a press release. The announced figure of 4.7% is significantly higher than the increase announced in 2022 (+ 3.4%), which already stood out from previous years (+ 2.6% in 2021, + 2.4% in 2020) .
A multiple phenomenon linked to the end of the health crisis
This acceleration is justified by “reimbursements up sharply” for two years, with 10% more reimbursement compared to 2019, or 49 euros per contributor. One of the culprits is the phenomenon of “catch-up care” following the Covid: the French population will be treated for all health problems set aside or postponed to declutter the overwhelmed hospital during the health crisis. The other person responsible is, according to the Mutualité, the “100% health” device, an aid which allows access without charge to certain medical equipment, and which boosts in particular the sales of hearing aids.
In November, a tax of 300 million euros for complementary health insurance was also voted by Parliament. A “solidarity contribution” also called “Covid tax”, aimed at financing health expenses, by taking charge of part of the reimbursements linked to the virus instead of social security.