Supplementary health insurance: Malakoff Humanis returns one month of contributions to its individual members

The Malakoff Humanis supplementary health insurance company, which reimbursed less care than expected in 2024 and early 2025, will return 30 million euros to its individual members, it announced in a press release on Wednesday. "Since the drift in health expenditure on individual contracts in 2024 and the first half of 2025 was lower than expected, Malakoff Humanis has decided to return this difference in the form of a free month's contribution in December 2025," the joint company (co-managed by employers and unions) said.

The amount thus returned to the 212,000 eligible members is on average around €160 including tax per contract, she specified. Another supplementary health insurance company, Harmonie Mutuelle, had already announced in May that it would return €40 million to individual members in June, or €44 per contract, then €44 million to members and corporate clients a little later.

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According to Malakoff Humanis, in 2024 and 2025, health expenditure consumption remained "below estimates." And some announced reforms that generated expenditure were ultimately postponed: the increase in doctors' fees and certain medical technical procedures, the extension of 100% health insurance to hair prostheses and wheelchairs. The announcements by Malakoff and Harmonie Mutuelle come as the government has been announcing for several months its intention to retroactively tax supplementary health insurance for 2025.

The government would like to recover around one billion euros. It believes that supplementary health insurance companies anticipated expenses in their 2025 contribution increases that ultimately never materialized, due in part to the fall of the Barnier government. There is currently "a Lépine competition of the worst idea, the most technocratic idea possible" to deal with healthcare spending escalation, Jacques Creyssel, president of the CTIP, which brings together joint supplementary health insurance companies such as Malakoff Humanis (approximately one-fifth of the supplementary health insurance market), declared last week.

In 2024, contributions to joint supplementary health insurance schemes increased by 4.1%, with benefits up 1.3%. Joint supplementary health insurance schemes remained technically in deficit, meaning they are only able to balance their accounts thanks to their financial products.