The end-of-year excitement is in full swing. And it’s not just because of Christmas coming …
What changes for next year :
- New CPAM reimbursement rates in 2024 ;
- The Monthly Social Security Ceiling (PMSS 2024), which should be set at €3,864 (or €46,368 for the annual PASS ceiling), up by 5.4%.
Many supplementary health insurance rates are indexed on the social security ceiling. They therefore naturally increase according to this indexation.
However, this is in reality only a part of the evolution of prices. Insurers may decide to make further changes to the rate, increasing or decreasing.
Similarly, the rate can evolve intrinsically. For example, in individual supplementary health insurance, there is often an “aging” that adds an average increase of 2 to 3% each year representing the one-year aging of the insured.
To summarize, the evolution of the rate for an individual health supplement can evolve through multiplicative factors related to :
- The index to which the product is attached ;
- Ageing ;
- The insurer modifies the basic rate.
The insurer can modify its basic rate relatively freely within the limits of the regulation.
For example, this year, entry-level formulas have often been more significantly increased due to an increased burden from 100% Health. Insurers, mutuals and welfare institutions are also anticipating a revaluation of healthcare reimbursement scales as part of the negotiations between health professionals, social security and the government.
Generally speaking, the complementary health care market will experience, in 2024, an increase in rates that had not been seen for years.
At Smalltox and with our management partners, insurers, distributors, wholesalers and brokers, this translates into a lot of implementation activity and evolutions so that the renewal campaign, sending third-party payment cards goes smoothly for 2024 !
