The president of the French Mutuality, which brings together the mutualist part of French complementary health insurance, calls for a “slightly critical” assessment of 100% Health, five years after its start-up, he indicated on Wednesday during a meeting -you with the press.
There are things that work well, others that we must have the courage to question, said Eric Chenut, regarding this system which notably allows a zero remaining charge for dental, optical and hearing care. In application of a campaign promise from Emmanuel Macron, 100% Health came into force from 2019.
The president of the French Mutuality Society considers in particular that it is necessary to reassess the basket of care provided for by the responsible and united contract of supplementary health insurance, which benefits from a favorable tax rate.
The responsible and supportive contract was initially for essential care, but we added things over time, underlined Mr. Chenut.
Is it still the tool for solvable (allow people to pay, Editor’s note) for essential care, or has it become something else? And in this case, we have to think about how we finance it, he added.
Mr. Chenut’s concern relates in particular to the financing of the contract for retirees and young people, who do not benefit, like employees, from coverage of the cost of the premium by their employer.
Supplementary health insurance companies have significantly increased their prices in 2024, attracting the wrath of the government.
The French Mutualit estimated the increase at 8.1%, but the UFC-Que Choisir association puts forward an increase of 10%, with peaks of 25% or 30% for contracts intended for withdrawals.
Mr. Chenut wonders in particular about optical costs, noting that 100% Sant allowed a change of glasses every two years, although this is not necessarily necessary.
One might wonder whether, when eyesight does not change, a sort of drawing right (for a new pair of glasses) every two years is necessarily necessary, he said.
Health insurance is not there for solvable a fashion accessory, they are there to cover a health problem, he judged.