Understanding the generalization of complementary health insurance in seven figures

THE ECO / INFOGRAPHIC SCAN- The President of the Republic wants employers to cover the additional costs of their employees at 50%. Decryption in seven points.

François Hollande announced this Friday the generalization of complementary health insurance for all French people by 2017, in particular for retirees, during his speech in Nantes before the 41st congress of the French Mutuality. From January 1, 2016, all companies will have to offer their employees collective coverage, which they will finance up to 50%, guaranteeing a minimum basket of care. The point through seven key figures.

• 95% of French people have complementary health insurance

During the congress of the French mutual, Marisol Touraine, Minister of Health, indicated that 95% of the French are today covered by a complementary.

• 5.4% of retirees have no complementary health insurance

For those who cannot subscribe to a complementary, one evokes, among others, the financial difficulties. Retirees are part of the public still in complementary health. 5.4% of them have no complementary health insurance. This is less than among 15-39 year olds: they are 6.4% in this situation.

• One in five French people on a long-term assignment

Among those who do not contribute for a complementary, we find patients (ALD), covered 100% by social security for a fixed period. 15% of the French population benefited from it in 2011. The Treasury, which depends on the Ministry of the Economy, recently warned, in one, that the number of ALD patients would explode in the coming years. They would be 25% in 2025.

• 400,000 people will have access to a complementary

With the generalization of complementary health, four million people will be offered a basket of care, financed at 50% by their employer. However, among these beneficiaries, only 400,000 do not have complementary health insurance. The remaining 3.6 million already have an individual contract. “For 90% of the target population, this is not a generalization of complementary health, it is a transformation of individual contract into collective contract”, recognizes Etienne Caniard, president of the French Mutuality.

• Collective contracts: 44% of the activity of complementary health insurance

A collective contract is taken out by a company or a professional branch for the benefit of employees or even a group of employees belonging to a professional branch. As for individual insurance, it is taken out directly by an individual, on his own initiative. Provident institutions mainly offer collective contracts, unlike mutuals with 71% of their contracts which are individual. As for insurance companies, they are in an intermediate situation. In total, collective contracts represent 44% of the complementary health insurance market.

• The French paid 33 billion euros to their complementary health insurance in 2013

In 2013, 33 billion euros in contributions went to the supplementary health insurance market in France.

• Mutuals collect 54% of contributions

For mutuals, contributions amount to 17.8 billion euros, or 54% of the market, against 9.2 billion euros for insurance companies (28% of the market) and 5.8 billion euros. ‘euros for provident institutions (18%). However, since 2001, mutuals and provident institutions have been losing market share to insurance companies.

In 2013, the complementary health insurance sector included 481 mutuals, 96 insurance companies and 28 provident institutions.