INCREASE IN MUTUALS. After a survey of 35 organizations representing 18 million policyholders, the Mutualité française announces an average increase in mutuals of 4.7%.
[Updated Jan 5, 2023 10:06 AM] Mutual insurance rates will increase in 2023! On average, each contract will climb 4.7%. Please note that not all policyholders will be in the same boat. Compulsory collective contracts will rise by 5.7%, while individual contracts will increase by 4.1%. Figures made official by the Mutualité française, after a large survey of 35 organizations. This increase is notably due to the deployment of 100% healthcare and inflation (5.9% in December 2022 over one year).
Mutuals will increase, on average, by 4.7% in 2023. Individual contracts will be less impacted with an average increase of 4.1%. As for compulsory collective contracts (of companies or professional branches), it is a cold shower with an average increase of 5.7%. But then, what can this represent on your invoice? 49 euros per insured! Mutuals reimbursed 10% more care compared to 2019, hence this strong impact in 2023, in a still heavy inflationary context. The consumer price index reached 5.9% last December over one year.
The “individual mutual” is taken out by the insured on an individual basis, to be better reimbursed for medical care. It is interesting to have recourse to this type of complementary in certain very distinct situations.
First of all, if you are not employed in the private sector, if you are self-employed or a civil servant. If you are retired, it is also wiser to opt for an individual contract. You benefit from the portability of your insurance contract, in other words, you keep your compulsory mutual insurance after you leave the company, but it is no longer necessarily adapted to your needs, and this employer only finances half of the contribution. Hence the importance of turning to a specific contract. Finally, if you are attached to your parents’ mutual insurance company, you can be covered thanks to the attachment of the beneficiaries. Know that it stops between 21 and 26 years old. During this time, if you are not yet active, you can take out individual mutual insurance.
A collective contract is offered by a mutual or complementary health insurance. It is called “collective” because it is subscribed by the company for its employees. The collective contract is optional, while the group contract is compulsory.
For a group contract, the mutual must complete the reimbursements from Social Security. The services must correspond to all of the employees’ needs and the part of the contribution paid by the company must be the same for everyone. This contract facilitates access to care for employees, ensures the maintenance of their salary in the event of sick leave and can provide additional income in retirement.
In France, a multitude of mutuals exist. And different selection criteria may prevail depending on your job, your means, the reputation of certain establishments according to their turnover, or their number of members. According to figures from the site mutuellesante.fr, here are three rankings of the best mutuals in France, according to different criteria: