Mutual insurance : the complementary health soon terminable at any time

Each insured may soon change from a mutual to after a first year of your subscription. A big bang for the consumer as for the professional.

Despite the fierce opposition of the insurers in the sector, who fear, among others, to see their management fee slip, the complementary individual health ("mutual" in the common language) will be able to be terminated at any time, as this is already the case for car insurance or home including.

A proposal of the law concerning the right of withdrawal without costs of the contracts of complementary health was adopted on 27 march by mps on the grounds of "give more freedom to the insured" and allow them "the benefit of competition increased in terms of coverage of complementary health".

Entry into force in 2020

Specifically, once past the first year of membership, all individuals who now have an individual contract (restated, micro-entrepreneur, independent, professional, liberal...) will be able to terminate it without formalism, and especially much more easily, as is already the case for automobile insurance, motorcycle, home, and more recently for the insurance contracts of the borrower, in accordance with the provisions of the law on consumption of march 17, 2014 (loi Hamon).

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today, the supplemental health individual (and group) are renewed tacitly from year to year, unless the underwriters manifest themselves in time for the terminate. It is necessary to take at least two months before the anniversary date or the expiration date of the contract and send a registered letter with acknowledgement of receipt to the insurer.

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supplemental Insurance health and welfare

Health : the rates of mutual increase of 3% on average in 2020 Mutual : variable rates according to age and residence, The Parliament adopts the cancellation without charge of the complementary health

Tomorrow, these approaches should disappear and give place to a termination at any time, as soon as the contract has been signed there is more than one year. Better : the text of the law provides for a termination without fees or penalties, which shall take effect one month after the insurer, the mutual or provident institution has received the notification. A decree in Council of State, however, must specify the terms and conditions of this termination infra-annual, which shall enter into force on the later of December 1, 2020.