Complementary health: how to make the right choice? Reply with a UFC-Que Choisir specialist

Choosing your mortgage is sometimes a headache, as the rates and offers are so varied. How do we know if we are making the right choices? Mutual insurance specialist with UFC-Que Choisir, Maria Roubtsova offers some food for thought and practical advice to help you orient yourself.

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With an average increase of 3.75% according to INSEE between June 2021 and June 2022, the prices of complementary health insurance could increase again in 2023. The cost of health at 100%, the device that facilitates access to care, optical equipment , dental and auditory, and an aging population would be the main causes. What is it really? How to choose the right health insurance?

For Maria Roubtsova, lobbyist for the study and health at the consumer association UFC-Que Choisir, “everything suggests, if we are to believe the mutuals for which 100% health insurance increases expenses and therefore behind the contributions, that the increase – which the UFC-Que Choisir has established at + 4.3% a year ago – is accelerating “.

Look at the redistribution rate

“Without access to the accounts of every insurer, of every insurance mortgage, of the associationshe says, i can’t trust it
that a
redistribution rate that they are required to publish. This rate measures the proportion of contributions actually returned to policyholders in the form of reimbursement. “

UFC-Que Choisir has a comparator to see “Who redistributes the most and who has the highest operating costs …”. Basically, to rank good and bad students. “There are really big differences in management fees, with payout rates ranging from 69% for the worst to 88% for the best. “

UFC what to choose redistribution of the complementary

The UFC-Que Choisir 2020 ranking thus places Pro BTP, MGEFI and Mutual Harmony on the first podium.

100% responsible health and mutuality

Having said this, what advice can you give to choose the right mutual insurance company?

“At this time of crisis, it is good to remember that there is complementary health insurance. Subject to evidence of means, low-income people and retirees may be eligible. However, today, many do not use it due to lack of information. Since 100% health, responsible mutual societies, which are less expensive because they benefit from tax cuts, can be a good option … “

Clearly identify your needs

To private sector employees covered by a company collective agreement, who therefore have no choice of mutual insurance, advises Maria Roubtsova, “If the blanket is not completely suitable for them,
to look at the options. Sometimes
less onerous than subscribing to a second health insurance fund, which also adds administrative burdens… ”.

For others, civil servants and retirees, the specialist advises to compare each contract based on their situation and their needs. “Knowing that the higher the age, the greater the need for care and therefore the contributions with it. “ The final cost depends on the associated guarantees “And therefore your preferences. Guarantees of assistance and personal services can be useful for the elderly, less so for young people.
Look at the redistribution rate,
it is a good indicator of the cost, or even of how excess taxes are reimbursed, a common practice in large cities… ”.

Also in this case, UFC-Que Choisir has a mutual insurance comparator that, in a few clicks, allows you to find the best value for money, depending on your profile and your health needs. “We propose it because the 2014 Hamon law has not yet been applied, which requires complementary companies to publish a standardized table of guarantees, as the implementing decree has not yet been published. The tables offered by mutual societies, in fact, are often difficult to read because they are presented in percentages or in euros, sometimes combining the Social Security database with reimbursements … To access them, you must enter your personal data or request a quote .. It is quite difficult to find. Enforcing this law is one of our requests to see more clearly … “

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