What does the infra-annual termination change for mutuals?

Hello everyone ! For some time I wanted to try massage therapy because I have a little back pain. I was amazed to know the price for a massage session, it was a bit high. To amortize my expenses, I turned to my mutual health insurance. But, unfortunately, the latter did not support this type of treatment. Also, I decided to terminate my contract unconditionally and without having to explain myself. This is possible thanks to Law No. 2019-733 of July 14, 2019. I tell you everything in this article.

I’m not teaching you anything by saying that the field of insurance is a competitive sector and the authorities try to regulate competition between the different players as much as possible.

From the year 2021 (more precisely the first of December 2020), it is now possible for policyholders to change a health mutual at any time after a year of commitment. The objective is simple: promote competition to lower prices and also protect consumers. I must admit that it is a boon for me, because I can change insurers without a long procedure. This is obviously much more favorable for individuals. For your information, I was able to obtain this information by quickly typing the following keywords: “Mutual health termination” into Google. Within minutes, I had access to hundreds of articles explaining how sub-annual termination worked.

From December 2020, policyholders can terminate their mutual health insurance without giving insurance companies a valid reason from one year of commitment. In other words, insurers must accept this termination without compensation. However, there are a few steps to follow:

If you have found a mutual that suits your needs, don’t hesitate to ask the insurance company to take care of the steps to terminate your old contract.

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Be aware that the infra-annual termination of mutuals will come into effect from December 2020. This is an important opportunity to get rid of a contract that is disadvantageous for you. I have to admit that this is an excellent initiative on the part of the authorities, because this measure gives consumers much more freedom when it comes to choosing mutuals. On this point, use an online comparator to find the offer that meets your expectations. Above all, do not minimize the selection criteria such as price, coverage or exclusions.