Price of complementary health insurance: the region where they are the most expensive is…

Meilleurtaux Assurance has published a study to compare the price of complementary health insurance according to the departments. Their prices vary from simple to double according to the territories.

The Meilleurtaux insurance comparator has published a study to find out the price disparities of complementary health insurance between regions. To make this estimate, he based himself on four typical healthcare user profiles: a 25-year-old employee, a 40-year-old self-employed worker, a family made up of two adults and two children under 12, and finally a 60-year-old couple. The study treated each profile with “classic” guarantees in medical, hospitalization, optical and dental care, with the exception of the senior couple for whom the authors bet on “reinforced” guarantee in medical care.

According to this study, in each category studied, the departments of the Île-de-France regions and the Provence-Alpes-Côte-D’azur (Paca) region are in the top 10 of the departments where residents pay the most for their health insurance. health. With one exception, for the family category with two children, the Hérault department in Occitanie reached tenth place in the ranking. It is the only department in a region other than Île-de-France or Paca to rank so high.

Indeed, a couple with two children in Hauts-de-Seine, in the Île-de-France region, will pay 1,232 euros per year. While the same family living in Moselle or Bas-Rhin, in the Grand-Est region, will have to pay 730 euros. This represents a difference of 502 euros per year. The average in France is 1,097 euros per year.

Regarding the category of a 25-year-old employee, each year, he pays an average of 348 euros in the Bouches-du-Rhône, in the Paca region. This is the department where he has to spend the most money to pay for his health insurance. Conversely, in Moselle and in the Haut-Rhin, Grand-Est region, he pays 215 euros per year. This represents a difference of 133 euros.

On the other hand, the same 40-year-old employee pays up to 472 euros each year in Val-de-Marne, in the Île-de-France region. While in Aveyron, in the Occitanie region, he must pay 401 euros. This represents 71 euros less than in the Paris region department, it is also the smallest price difference in all the categories studied.

For a couple of seniors, the difference is much greater. In Hauts-de-Seine, the couple pays 2,989 euros a year. Conversely in the Haut-Rhin, the same couple pays 1,936 euros, or 1,053 euros less than living in the department of Île-de-France. This is the largest price difference evaluated by this study between two departments. The average throughout France is 2,628 euros per year.

For Christophe Triquet, insurance director of Meilleurtaux.com, this price difference is explained by population density and the cost of medical procedures: “Excess fees are very common among doctors and specialists in the IDF and PACA. Expenses are therefore higher than elsewhere. Some pharmacies sometimes charge more for non-reimbursed drugs than elsewhere, the prices charged being free.”

In the majority of these categories, the inhabitants of Alsace-Moselle pay less to obtain mutual health insurance. The reason: these two territories have special regimes. But with equal operation, it is in the regions of the west that the inhabitants pay the least expensive the complementary health. “The west is made up of several rural areas, often synonymous with medical deserts,” says Christophe Triquet. “Access to care is less obvious for locals. The prices of mutuals are therefore lower because their expenses are lower and the overruns of fees less frequent and lower.”

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