New Contract of Insurances
A new contract of insurance issued by MA was founded in December 2008. Like insurance contracts for vehicles and the principle of bonus-malus, MMA uncovers new contract based on medical reimbursements.
The principle is simple: At first, the annual fee is increased by 15%. Then, if you do not have medical expenses throughout the year, the insurance company will reimburse you half of your annual subscription. It is obvious that the less you use the insurance, the more you earn money by year end.
This agreement aims to reduce the huge deficit in the primary fund health insurance.
Consider an example: If you sign such a contract and you pay 300 euros in annual premium, you will pay 345 euros now. At the end of the year, if you have never received reimbursement of medical expenses, MMA will refund you half of 345 euros, that is to say 172.50 euros. In fact you will gain from an insurance contract simply the sum of 127.50 euros (172,50-45,00). It is obvious that the less you will receive refund, plus the insurance company will reimburse you. In the event that your reimbursements of medical expenses exceed the amount of the premium, you pay 15% surcharge for anything.
The insurance company decides to MMA, with this revolutionary new contract and interesting target a certain group of individuals. Indeed, the underwriting of such contract is intended rather to single people without children, and most importantly, healthy, preferably young, do not ever attending dentists or opticians.
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