Meilleurtaux Assurance has published a study to compare the price of supplementary health insurance according to the departments. Their prices vary from single to double according to the areas.
The Meilleurtaux insurance comparator has published a study to find out the price differences of complementary health insurance between regions. To make this estimate, he based himself on four typical health user profiles: a 25-year-old employee, a 40-year-old self-employed person, a family consisting of two adults and two children under the age of 12, and finally a 60-year-old married 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 opted for “enhanced” guarantees in medical care.
According to this study, 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 in each category examined. With one exception, for the family category with two children, the department of Hérault 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 highly.
In fact, 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 Mosel or Bas-Rhin, in the Grand-Est region, must pay 730 euros. This corresponds to a difference of 502 euros per year. The average in France is 1,097 euros per year.
As for the category of a 25-year-old employee, he pays an average of 348 euros each year in 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 the Mosel and in the Haut-Rhin, Grand-Est region, he pays 215 euros per year. This corresponds to 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 examined.
For an older couple, the difference is much greater. In Hauts-de-Seine, the couple pays 2,989 euros a year. Conversely, the same couple in Haut-Rhin pays 1,936 euros, or 1,053 euros less than living in the Île-de-France department. This is the largest price difference assessed by this study between two departments. The average across 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. Therefore, the costs are higher than elsewhere. Some pharmacies sometimes charge more for non-reimbursed drugs than other places, and the prices are free.”
In most of these categories, residents of Alsace-Mosel pay less to obtain mutual health insurance. The reason: these two territories have special regimes. However, all things being equal, it is in the regions of the west that residents pay the cheapest complementary health. “The western part consists of more rural areas, often synonymous with medical deserts,” says Christophe Triquet. “Access to care is less obvious for local people. The prices of mutuals are therefore lower because their expenses are lower and fee overruns less frequent and lower.”