Health: which mutual insurance for which profile?

Choosing the right mutual insurance company can quickly become a headache, and with the inflation of premiums , not everyone has the same freedom of action. With some exceptions, employees benefit from their company's collective contract, which covers at least half of the contributions. It is more likely that self-employed workers, retirees, students, or the unemployed should reevaluate their guarantees. This is especially true since they can change their mutual insurance company at any time and without penalties, provided that the current contract is more than a year old.

But, priced according to age, individual contracts are more expensive than company mutuals, which are based on better risk pooling. It's no surprise, then, that retirees are the first victims of rising rates. "While the annual premium comes to around 400 euros for a young person, it skyrockets to 1,600 euros per year for a senior," confirms Arthur Martiano, CEO of the comparison site LeLynx.fr.

Age is a limiting factor, but the composition of the household should influence the choice of one offer over another. "There are times in life that require reviewing one's health coverage, such as the arrival of a baby, or the transition from a family with dependent children to a senior couple, then retirement," emphasizes Arthur Martiano. A move also calls for a review of one's guarantees: "Premium amounts vary from one region to another," he warns. All profiles combined, in 2024, the average amount of contributions was 552 euros per year in Brittany, while the average premium amounted to 683 euros in Ile-de-France and even 788 euros in Corsica, according to figures from LeLynx.fr.

Beyond age, household composition, and location, it's important to list the most common and costly health expenses. "If your children don't wear glasses or braces, there's no point in increasing coverage in these areas," advises Olivier Moustacakis, co-founder of the online comparison site Assurland. "Depending on your health, some coverage may be unnecessary."

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