The pension reform that delays the legal retirement age to 64 will mean a global increase in pension contributions of 6% by 2030, according to Malakoff Humanis, one of the main French pension and complementary health groups.
Provident plans allow you to reimburse expenses or loss of income caused by accident, illness or death.
If the pension reform is approved, “we can imagine that there will be a little longer absenteeism for people, because they will be more active” due to the postponement of the age of majority, said Thomas Saunier, CEO of Malakoff Humanis (10,000 employees) that presented its annual results on Tuesday.
This absenteeism will generate new expenses for welfare organizations such as Malakoff Humanis, which will lead them to slightly increase contributions, he explained.
+6% on average by 2030
“It will be spread over seven years, from 2023 to 2030, it will be progressive, and it will be completely rectifiable with a few increases” in the prices, he added.
Based on current forecasts, the overall increase in contributions between 2023 and 2030 should be 6%, he said.
On the other hand, the reform “will have no effect” on healthcare contributions, said Thomas Saunier.
Malakoff Humanis made a net profit of 168 million euros in 2022.
This net profit is less than the 222 million euros obtained in 2021, but remains above the threshold of 150 million, which is the minimum level that this group managed under equal conditions has imposed itself on respecting.
Revenues reached 6.4 billion euros, 4% more than in 2021.
In 2022, the 100% Health reform (total reimbursement of healthcare baskets in audiology, dentistry and optics implemented since the beginning of 2021) caused health reimbursements to “slip”, particularly in dentistry, said Thomas Saunier.
“They promised us an additional cost of 150 million euros” for the complementary health groups, “and finally it was 1,500 million,” he lamented.
Source: BFM TV
