5 and mandatory insurance arm for people over 50 years

Before the delay by the reform of dependence, so-called "fifth risk", insurers are impatient. And they begin to clear. "This case has gone on too long." "It's years expected axes and specific guidance", made yesterday Gérard Andreck, President of the Macif group of mutual insurance companies (Gema).

As a result of, the insurers were "prevented to arrange and implement", believe. This expectation has nevertheless enabled the Gema to clarify its position on the subject. "We favour the inclusion of security dependence track in contracts complementary health", thus advance Gérard Andreck. The idea is to take advantage of great diffusion of the complementary-93 of French are equipped with - to make possible the most universal dependency warranty, without in compulsory insurance.

Unless the calendar changes once again, it is expected that things move by the end of the year. First, the working group that Board since the beginning of the year on the specifications of the future insurance should not delay to make its findings. The objective is to label guarantees and to provide a level of minimum delivery, which could be EUR 500 per month.

Most importantly, even if no arbitration has been officially released, the recent report of the MP UMP Valérie Rosso-Debord ("Les Echos" from June 23) would be a good reflection, according to Gema for the position of the Government. Focusing on the dependence of the elderly, the MPP advocates including engage retirees by aligning rate of CSG pensioners (6.6) of assets (7.5), and mandatory insurance arm for people over 50 years. The objective is to cope with the explosion of cost - more than 5 billion euros - Allocation personalized autonomy (APA), which could be focused on the poorest and the most dependent on.

"The removal of the APA is not desirable", replied the Gema. And to add that those who militate for insurance mandatory dependency, such as Michel Hunault MP or the CEO of AXA Henri de Castries, "underestimate the complexity of the task."

Doubling of contribution

In this context, the Gema believes that a health-arm jumelage would "tend to universality", simple and relatively inexpensive. "To have the guarantee of a monthly pension of 500 euros per month for arm, this would represent an additional 10 to 20 euros per month", computes the Gema, aware that this may induce, on the year, a doubling of assessment for those who have opted for guarantees health "low cost". Difficult to sell in the current inflationary environment...

The idea of the Gema is still to be guided by what do 15 years employees mutual insurance. For a few tens of euros, these cover relatively low-cost their 7 million members. Question is if their guarantees, annual and lifetime retirement (they are therefore not "entitled to dependency on the future", and are not transferable), will be well qualified in the future ("Les Echos" from June 24) specifications. Also remains to convince the greatest number of operators to support this position. "A consultation will be open, in particular with Mutualité Française, which appears on the same line as we", says Gérard Andreck