Medical Care: Increased expense care for complementary health and health mutuals
According to Insee, complementary organizations (mutual, insurance, forecast institutions) reimbursed 30.9 billion euros in 2023 in France, or around € 454/inhabitant, a figure of a +5.9 % compared to 2022, which represents 12.4 % of total consumption of care and medicines according to CSBM and illustrates the most and more complementary financing.
In 2025, health expenses will continue to increase (+6 % in 2024), but will be limited to +2.8 % in PLFSS 2025. This roof results in a sustained transfer of reimbursements to health mutuals, compensating an extended part of care expenses. This government strategy aims to contain the Social Security deficit, and is added to another problem: the increase in mutual contributions.
In fact, French mutuality indicates a significant increase in the amount of contributions, from +6 % on average, to +7.3 % for mandatory collective contracts, due to the inflation of care, compensation for the roof of reimbursements for health insurance, or even the generalization of inclusive services, teleconsultation, psychological support, etc. etc etc
What mutual healthy to protect yourself well in 2025?
This economic context is part of a larger phenomenon of evolution of the aspirations of the French, who now expect much more than a simple reimbursement by mutual health and complementary health for people.
The DREES, in their 2024 complementary health scenario, suggest an increase in the expectations of the insured, which wish to access specific services (teleconsultation, prevention, support, and demonstrate the need for personalized advice, beyond a simple reimbursement. At the same time, interest in the forecast (disability, death, loss of income) global.
Therefore, the insured seeks complementary health with integrated pension coverage, adapted to their profile and lifestyle. To protect themselves, they resort to a healthy mutual insurance company that guarantees them the availability, proximity, humanity and personalized services. Then it is still an essential question: what mutual insurance company?
Mutual health for individuals: total coverage that includes personalized services
The mutual for individuals is positioned in global support and modern services, thanks to an adapted health and forecast offer. An important player in the financing of French care, the Joint Social Protection, Mutualist and Humanis Non -profit group intervenes in all social protection areas, both for companies and for people.
More specifically, the mutual for individuals offers complete health coverage (hospitalization, optics, dental, alternative medications (guarantees of providence – disability, disability, dependence, capital of death – Personalized advice – in agency or through simulators, mobile applications, dedicated advisors, as well as services – Teleconsulation services 24/7, prevention, health training.
Mutual health and human health, the integration of the forecast guarantees adapted to each situation, provides global and evolving protection according to the needs (Young Active, Family, Senior). She defends a customary approach and personalized health services aimed at providing clarity and serenity to people in 2025.
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Source: BFM TV
