A 35-year-old insured will pay 1% more and a 75-year-old may see his contract inflated by 3% due to higher expenses. And depending on one’s place of residence, one does not find the same habits in terms of care, the same availability of practitioners or even the same health risks. The result of rates that fluctuate greatly for each insured profile.
We can never say it enough: you have to question your insurance contracts, even health. Do we wear glasses? Hearing aids? All the answers to these questions can have an impact on the amount of the premium, for which the increase of at least 3% was general in 2023. A study by the comparator Assurland.com underlines that for the same level of formula the price per month can vary from 22 .5 to 64.5 euros, depending on whether you are a student, employee, liberal profession or retired.
Basic, a 35-year-old insured will pay 1% more than the average and a 75-year-old may see his contract inflated by 3% due to higher expenses. Complementary health insurance is therefore a product whose price varies with the age of the insured. Insurers make it a main criterion for developing their pricing.
Withdrawals from Ile-de-France pay almost 65 euros per month
Based on 25000 tariff proposals formulated by complementary health organizations between January 1, 2022 and February 1, 2023, there are also strong geographical disparities and significant gaps depending on the profile. Withdrawals from Ile-de-France pay the most for their complementary health insurance with a monthly rate of 64.5 euros on average. (…) Conversely, it is the students of Nouvelle Aquitaine who benefit from the least expensive rate with an average monthly budget of 21.9 euros. The South-East is one of the most expensive regions, regardless of the profile of the insured.
Depending on where you live, you do not find the same habits in terms of care, the same availability of practitioners or even the same health risks. These territorial differences also partly explain the price differences from one region to another.
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An increase is planned each year
There are several reasons to explain these high rates: insurance companies insist on cost of health expenditure which has increased by 7.9% since 2021 under pressure in particular from the Covid health crisis. The hospitalization of the sick, the massive vaccination campaigns or the screening tests have weighed on the finances. The French also have caught up with their medical appointmentspaused between March and the end of 2020. In addition, the reform of 100% Health would have cost 2.5 billion euros to complementary.
Mutual: the hidden underside of the redistribution rate of your complementary health
Complementary health insurance is an insurance product whose price is inherently bound to change from year to year, warns Assurland. For what?
- The population is aging and requires more and more care. 21.3% of French inhabitants were aged 65 or over on January 1, 2023, compared to 17.1% in this age group in 2012.
- Medical technologies are becoming more and more expensive.
For 100 euros of contributions in 2021, provident institutions paid an average of 18 euros in optics compared to 13 euros for insurance companies and 11 euros for mutuals. In dentistry, they redistributed 20 euros against 15 euros for insurance and mutuals, details the DREES in its annual report.