The Financial Sector Advisory Committee (CCSF) recommended on Wednesday the creation of a compulsory insurance contract against dependency, backed by complementary health insurance from mutual insurance companies, to better finance the total dependence of seniors.
The same guarantees for everyone, a single, transparent price scale that applies throughout life: these are the recommendations made on Wednesday by the CCSF for this possible long-term care insurance contract which would necessarily be backed by supplementary health insurance for seniors .
A system defended by Mutualité Française, a federation bringing together the majority of mutual health insurance companies, and France Assureurs.
Its compulsory nature would make it possible to better pool the risk of dependency to limit the cost for insured people, estimates the CCSF, a public body where financial institutions and customers, parliamentarians and unions sit.
In 2021, France Assureurs calculated that with maximum pooling of the system, a beneficiary who pays a contribution of 24.20 euros per month from the age of 62 could receive a monthly pension of 500 euros in the event of total dependence.
But to prevent insurers from unilaterally setting the prices of such a contract, the CCSF recommends that its implementation falls under collegial governance bringing together unions, insurers, associations and the State.
Only such an organization will be able to ensure the fairness, transparency and balance necessary for the proper functioning of this system, judges the CCSF in an opinion.
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