The prices of mutual, insurance and other complementary health insurance have jumped by more than 7% in 2023 compared to 2022, said Wednesday the consumer association UFC-Que Choisir, which denounces a “blow on purchasing power” .
Contributions are soaring: like every year, the UFC-Que Choisir has conducted its investigation into the prices of complementary health products. A study focused on individual contracts, which therefore reflects the situation of withdrawals more than that of assets. Based on 594 contracts involving 128 organizations, the study concludes a median increase of 7.1% or 126 euros over the year. In one out of five cases, the increase even exceeds 240 euros.
Amounts qualified as a blow to the purchasing power of consumers, while inflation reached peaks and stood at 5.2% last year, underlines the association in a press release.
Mutual: what awaits you for the price of your complementary health insurance in 2023
Lack of clarity
The trend is more marked among insurers (+9%) and provident institutions (+8.8%) than among mutuals (+6.9%). This last figure is, however, significantly higher than the 4.1% announced by the Mutualit Française at the beginning of January for the same individual contracts, based on data provided by 35 organizations covering 18 million policyholders.
Without explaining this discrepancy, UFC-Que Choisir points the finger at the lack of clarity of complementary health insurance, whose notices of expiry often fail to mention (r) the price increase in euros or in percentage, as well as the costs of management of organisations, which represent on average 20% of contributions paid.
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To remedy this, the association is asking the government to impose more transparency so that consumers can compare offers (and) compete via the termination any time which comes into force at the end of 2020.
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