As detailed in the study of health insurance comparator LeLynx.fr, it is the students who pay the least for their health insurance. Young people must therefore plan a budget of 465 euros per year. However, the price of health insurance remains too high overall for 32% of them, revealed the LMDE in 2014. Among the health items most neglected by students is the payment of hospitalization costs. , neglected by 70% of young people insured, although it concerns all age groups.
At the opposite end of the spectrum, retirees are those for whom treatment is the most expensive: provide an average of 1246 euros each year for health insurance. Seniors thus tend to favor higher levels of care, particularly in optics where 49% favor the two higher levels. However, the minimum reimbursement levels remain generally very chosen.
More qualitative support for active workers
Whether they are from general scheme or the TNS scheme (non-salaried workers), French working people tend to choose higher levels of reimbursement, resulting in high insurance rates. The average premium is 932 euros per year for the general plan (of which 25% favor the highest level of reimbursement in dental and optical) and 999 euros per year for TNS policyholders.
“The profile of the insured is obviously at the heart of the pricing of health insurance, explains Elena Betés, Managing Director of the health insurance comparator LeLynx.fr. Beyond the obvious differences in use that may exist between a student and a retiree, it is clear that all profiles tend to minimize their real health needs. “
Tips for choosing the right insurance policy
– Analyzes its real needs and optimizes its contract accordingly.
– Do not sacrifice essential care stations.
– For employees, avoid duplication and keep their current insurance if it is more suitable than that offered by their company.
– Follow the evolution of its needs by putting its contract in competition at each stage of life.
