Big bang with a view to health insurance for 2.5 million civil servants

Posted on 16th December 2021 17:48Updated December 16th. 2021 19:20

The end of the year for the civil service union is busy. They have recently increased their appointments with the government to refine an essential part of their complementary social protection reforms, namely the reforms of civil servant health insurance.

The unions involved want to get the draft agreement by the end of the year, which will be voted on by the organization in January. “Negotiations are underway,” union members guarantee. “We are at the home of the debate,” explains another.

“We guarantee that there will be a new project at the beginning of January and we will be on the side of the Minister of Transformation and Amelie de Montcharin for public services. We look forward to a historic agreement. General Mutual for National Education (MGEN) And insurers such as Mutual for Justice and Security Professions (MMJ) are in the spotlight.

The discussions that took place at this stage and the draft agreement that “Les Echos” discussed suggest a range of asset management costs that the union sees fairly well. Negotiations should also lead to a particularly delicate theme, the premium framework for retired agents.

Announced in the summer of 2020, the reform will strengthen the purchasing power of civil servants by eliminating inequality between civil servants and the private sector. It stipulates that the state will bear 50% of the complementary health costs of nearly 2.5 million agents from 2024. This employer’s contribution, which is widespread in the private sector today, is not an obligation in ministries and can vary widely between governments.

Advanced monitoring by insurance companies

The site, which is to be closed for hospitals and communities by 2026, is closely monitored by civil servant insurance companies. It will certainly change the way they work by generalizing group insurance policies, that is, negotiating at the ministry level for the benefit of agents.

Today, civil servant insurance policies are distributed at the individual level. Therefore, due to the reforms, insurers that are historically very present in a particular ministry may be afraid to lose Presquare in future bid requests.

This is because active civil servants should no longer choose an insurance company. “We need a compulsory collective contract at the inter-ministerial level,” Amelie de Montcharin insisted Wednesday during an event hosted by the masses of media actors.

According to the Minister, this unanimous obligation on the part of the unanimous is essential. It certainly must allow insurers to pool their risks extensively. Therefore, provide complementary health insurance at a “reasonable price” for retirees.

Increased capped contributions

Retiree coverage is considered a “hardpoint” in negotiations, just as the insurance guarantee base provided to active policyholders is highly valued by some trade unions. This issue is also important for civil servant insurers, who warn that there is a risk of increased contributions to this population if reforms are not well organized.

To address concerns, the draft agreement stipulates that retired civil servants can benefit from the same guarantees as active workers and from price controls. Insurance companies can increase their contributions, but not in the first year when agents are suspended. As the professional media News Assurances Pro has already shown, premium increases are limited to 25% in the second year and 50% in the third, fourth and fifth years.

The draft agreement also provides for a “partial coverage of retired beneficiary contributions” that is set “in consideration of resources” of these former civil servants and is funded by a levy on the contributions of active workers. is doing. The issue of funded insurance (life insurance) will be explained later.