Question 4113 — supplementary insurance

Summary

Ms. Nathalie Colin-Oesterlé draws the attention of the Minister to the Minister of Labor, Health, Solidarity and Families, responsible for health and access to care, to the need to better regulate the contracts that complementary health insurance organizations (OCAM) offer to policyholders. Supplementary health insurance is the second largest financier of the health system after compulsory health insurance: it has paid 29.7 billion euros in services in 2022, which represents 12.6% of the consumption of medical care and goods. However, the operation of these insurances has become complex. To take out a contract, policyholders must have sufficient information on the prices and guarantees offered in order to compete. However, the structuring of reimbursements (particularly in audiology, dental and optics) has much complicated in recent years, making it more difficult to understand reimbursement levels and options. Despite some progress, the situation can still be improved: there remain many gray areas and incomprehension for policyholders. This is why the idea of ​​imposing standard, more readable contracts on complementary organizations is progressing. This measure would be in line with the mission's recommendations. senatorial information "Complementary health and mutual insurance, the impact on the purchasing power of the French", which calls for better protection of policyholders through increased transparency. In this context, she asks him if he plans to initiate work on this subject.

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