contributions will increase sharply in 2025

Although the increase in contributions will be less significant than in 2024, it remains significant for households. Retirees will be particularly affected, with increases reaching up to 9.5% for certain group contracts, according to studies conducted by specialist firms Addactis and Fact and Figures.

Mutual insurance companies: contribution increases have accelerated in recent years

For several years, mutual insurance rates have been increasing regularly, and 2025 will be no exception. The increases planned for 2025, although significant, are slightly lower than those observed in 2024. (At the time, they had reached 12.5% ​​for certain group contracts.) According to the Addactis firm, which surveyed around twenty mutual insurance companies, pension institutions and insurers, in 2025 we should expect increases of between 5.5% and 9.5% in collective contracts and 4.5 – 8.5% in individual contracts.The same story comes from the Facts and Figures firm: the latter predicts a 6 to 8% increase in the prices of individual health insurance in 2025.

Addactis points out that this increase is part of a trend that began well before the Covid-19 health crisis, but which has accelerated in recent years. The increases were more moderate before 2020, fluctuating between 2.5 and 5%, but since then, they have intensified. As healthcare costs continue to grow, the burden is increasingly falling on the shoulders of policyholders, whether they are employees, self-employed or retired.

An unwelcome combination of factors

It is important to know that mutual insurance companies, as non-profit organizations, are required to maintain a financial balance. Unlike health insurance, they cannot accumulate debts to cover their expenses. This pushes them to constantly adjust contributions according to increases in health costs.

Among the factors that have an impact on these costs are inflation, the aging of the population and regulatory changes, such as the transfer of charges from health insurance to supplementary health insurance.

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