Question 13444 — supplementary insurance

Summary

Mr. André Chassaigne questions the Minister of Solidarity and Health on the regulation of applicable rates in the event of maintaining health coverage for former employees. Article 1 of Decree No. 2017-372 of March 21, 2017 regulates the prices applicable in the event of maintaining health coverage for the first three years of inactivity. It establishes a progressive capping of these prices. Thus, the first year, the proposed prices cannot be higher than the overall rates applicable to active employees. For the second year, they cannot be more than 25% higher than the overall rates applicable to active employees. For the third year, the percentage increases from 25 to 50%. This decree certainly aims to allow inactive employees to maintain health coverage with controlled contribution calls. However, it provides absolutely no provision for the years following the third anniversary of their inactivity. This lack of provision is well known to insurers and can lead to an increase in contributions for complementary health insurance. Thus, some inactive policyholders are forced to reduce the guarantees provided in this context. This is not without consequences in access to care, which is also weakened by medical deserts. He is not It is not uncommon to meet elderly people who can no longer benefit from dental, hearing or eye care due to low reimbursement. Certainly, the level of reimbursements made by social security is also responsible for this state of affairs. Also, he requests that Decree No. 2017-372 be supplemented in order to regulate the prices applicable in the event of maintaining health coverage for former employees for periods after the date of the third anniversary.

Machine translation from French. The official text remains authoritative.

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