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Plan séquence - Le Bilan de l’assurance : 2022, l'année de tous les dangers

mardi 31 janvier 2023

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Le bilan de l'assurance : 2022, l'année de tous les dangers

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Après une année 2021 de rebond, l'année 2022 est placée sous le signe de l'inflation et de l'augmentation du coût du risque.

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Par la rédaction de News Assurances Pro

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Une année intense sur le terrain règlementaire

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Une fois encore, l’exercice 2022 n’aura pas été avare en règlements, projets de lois, décrets et autres arrêtés visant le secteur de l’assurance. Retour sur les principales législations qui ont jalonné l’année écoulée.

Il aura fallu attendre 9 mois et 10 jours pour que le ministère de l’économie, des Finances et de la Relance accouche du décret encadrant le démarchage téléphonique en assurance. Le texte publié au Journal officiel du 18 janvier vient ainsi préciser « l’article unique I de l’article unique de la loi n° 2021-402 du 8 avril 2021 relative à la réforme du courtage de l’assurance et du courtage en opérations de banque et en services de paiement ». Parmi les éléments attendus figure l’encadrement des enregistrements. Les conversations devront être conservées durant deux années à compter de la signature du contrat, sauf demande expresse contraire des personnes démarchées. Ce décret définit par ailleurs la notion de contrat en cours permettant d’esquiver les contraintes réglementaires afférentes aux appels à froid. Cette définition englobe tout contrat d’assurance en vigueur à la date de la prospection téléphonique. Enfin, le texte précise les quatre situations de non-consentement au démarchage.

[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Mars : Le nouvel ordre Lemoine

Dès le lendemain de la loi Lemoine, une autre réglementation structurante est promulguée. Celle de l’assurance agricole. Son ambition est claire. Créer un système universel d’assurance à trois étages. Le premier étage sous forme d’auto-assurance. Une sorte de franchise. Vient ensuite la constitution d’un « groupement […] auquel les entreprises d’assurance souhaitant commercialiser des produits d’assurance contre les risques climatiques en agriculture […] doivent adhérer ». Il s’agit-là d’un pool d’assureurs privés. Enfin, un troisième niveau mobilisant la solidarité nationale, avec des fonds publics. Mais la loi qui est entrée en vigueur le 1er janvier dernier a rencontré un contretemps de taille. La mise en place du guichet unique – constitué des assureurs parties prenantes au dispositif – n’est pas prêt (voir page 47). En attendant, c’est l’état qui gérera l’indemnisation de solidarité nationale pour les cultures non assurées. La loi prévoit par ailleurs que l’état prenne en charge 70% de la prime d’assurance.

[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Mars : Sept d’un coup

Reçues 7/7. Les sept associations candidates à l’autorégulation ont toutes obtenu leur agrément de la part de l’ACPR pour devenir des structures représentatives de courtiers d’assurance ou de réassurance et de leurs mandataires. La liste a été publiée le 23 mars. Soit à peine plus d’une semaine avant l’entrée en vigueur de la réforme. Car depuis le 1er avril 2022, tous les nouveaux courtiers inscrits à l’Orias devaient rejoindre une association professionnelle agréée pour obtenir leur immatriculation. Pour les renouvellements, l’entrée en vigueur est au 1er avril 2023. Les sept associations agréées sont CNCEF Assurance, Endya, Anacofi Courtage, VotrAsso, la CNCGP, l’Afib et la Compagnie IAS. Elles connaîtront quelques sueurs froides tout au long de l’année en raison de nouveaux épisodes à rebondissements dans les mois qui suivirent.

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background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_row_inner][vc_column_inner extend="false" width="1/2"][vc_column_text]Avril : TVA bien

Le texte est court, mais ô combien crucial. Au mois d’avril, l’administration fiscale publie un billet au Bofip-impôts. Ce dernier prolonge jusqu’au 31 décembre 2022, l’exonération de TVA pour les prestations de services effectuées par les courtiers et intermédiaires d’assurance et de réassurance.

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ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_row_inner][vc_column_inner extend="false" width="1/2"][vc_column_text]Août : Clic, clic, clic

Cet été 2022 est particulièrement chaud et les incendies se multiplient aux quatre coins de l’Hexagone. Mais parmi les dossiers brûlants du gouvernement figure également celui du pouvoir d’achat miné par une inflation rampante. Le 19 août une vaste loi sur le sujet est promulguée. Si l’assurance demeure relativement épargnée, quelques dispositions la concernent toutefois. En premier lieu la résiliation en trois clics. Concrètement, lorsqu’un contrat « couvrant les personnes physiques en dehors de leurs activités professionnelles a été conclu par voie électronique, […] la résiliation est rendue possible selon cette même modalité », signale la loi. Elle prolonge par ailleurs le délai de rétractation en assurance affinitaire de 14 à 30 jours à compter du premier paiement de tout ou partie de la prime.

[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/2"][vc_column_text]Octobre : Les Sages tranchent

C’est peu dire que la fumée blanche était particulièrement attendue. Saisi d’une question prioritaire de constitutionnalité (QPC) par le Conseil d’Etat, le Conseil constitutionnel a rendu une décision cruciale le 21 octobre. En jeu, la réforme du courtage imposant aux intermédiaires (hors agents généraux), d’adhérer à une association professionnelle pour exercer leur activité. Une réforme contestée par l’Association nationale des conseils diplômés en gestion de patrimoine (ANCDGP). Mais finalement, les Sages de la rue Montpensier ont jugé la réforme conforme à la Constitution.

Autre juridiction, celle de la Cour de cassation. Autre sujet sensible : celui des pertes d’exploitation. La plus haute juridiction française se prononçait sur trois décisions de la Cour d’appel d’Aix-en-Provence. En jeu, la clause d’exclusion prévue par le contrat d’assurance multirisque professionnelle est mise en jeu par la compagnie dans le cadre de la pandémie. Les juges de la Cour de cassation ont estimé valide cette clause sur laquelle s’appuyait Axa pour ne pas indemniser leurs pertes d’exploitation dues aux fermetures administratives ordonnées en raison de l’épidémie de Covid-19. Il s’agit-là de la première décision de la Cour de cassation. Une cinquantaine d’autres pourvois demeurent en attente. « Un revers de jurisprudence inattendu, qui ne s’inscrit pas dans la droite ligne de la jurisprudence traditionnelle de la 2e chambre civile de la Cour de cassation qui a régulièrement tendance ces dernières années à invalider les clauses d’exclusions des polices d’assurances lorsqu’elles manquent de clarté », déplore Guillaume Aksil, avocat de plus de 400 restaurateurs.

[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Décembre : Lopmi tender

à l’occasion d’une ultime commission mixte paritaire, députés et sénateurs se mettent d’accord sur la Loi d’orientation et de programmation du ministère de l’Intérieur (Lopmi). Et notamment sur son article 4 qui consacre la couverture du paiement des rançons en cas de cyber-attaque. Il permet en effet, « le versement d’une somme en application de la clause d’un contrat d’assurance visant à indemniser un assuré des pertes et dommages causés par une atteinte à un système de traitement automatisé ». Pour faire jouer sa clause, l’assuré devra toutefois porter plainte dans les 72h après avoir eu connaissance de l’attaque. Le paiement des rançons ne concerne que les personnes morales et physiques dans le cadre de leur activité professionnelle.

[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Décembre : Les captives libérées

Après un rendez-vous manqué en 2021, le monde de l’assurance s’attendait à ce que le sujet de captives déboule en 2022 dans le cadre du projet de loi de finances. Un amendement déposé par le gouvernement, puis retiré dans la foulée laissait toutefois les observateurs dubitatifs. Jusqu’à une sortie de Bruno le Maire, ministre de l’économie assurant que les captives ne figureraient pas au budget 2023. Pourtant un amendement du Sénat et 5 recours au 49.3 plus tard, le dispositif existe bel et bien dans le texte final porté par le gouvernement. Mais, là encore, le diable se cache dans les détails. Certes, le PLF acte la possibilité de créer des captives de réassurance à la française. Mais le dispositif de provisionnement est revu à la baisse. Les dotations annuelles pour constituer ces provisions sont ainsi plafonnées à un tiers du résultat technique annuel. Les prochaines semaines avant la publication du décret venant préciser les modalités de calcul promettent d’être houleuses. D’un côté, certains, à l’instar de France Assureurs, font valoir une potentielle distorsion de concurrence entre les captives et les assureurs classiques. D’autres souhaiteraient faire sauter le verrou de 33% pour le porter à 90%. Et faire de Paris une place financière attractive pour les grandes entreprises qui jusque-là se tournaient vers le Luxembourg ou l’Irlande.

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Et en 2023 ?

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En 2023, on ne risque pas de s’ennuyer. Le programme réglementaire s’annonce une nouvelle fois chargé. Au menu, des discussions sur la révision de DDA avec en ligne de mire une corde particulièrement sensible : celle de la rémunération. En France, l’ACPR semble avoir plusieurs recommandations sous le coude. Notamment sur la transparence des frais en assurance vie (voir page 26). Il se murmure par ailleurs que le courtage grossiste s’invite dans les discussions à la machine à café à Bercy. Une réforme pour mieux encadrer cet Ovni dans le paysage de la distribution serait dans les tuyaux. En santé, le ministre François Braun a installé un nouveau comité de dialogue avec les ocam, le CDOC. Que sortira-t-il de ce nouveau lieu d’échanges ? Réponse en 2023. Peut-être...

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Tarifs 2023 : Les assureurs l’ont dans la hausse

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2022 restera sans conteste l’année de tous les extrêmes pour les assureurs. Coincés entre une inflation galopante et une sinistralité climatique exacerbée, les principaux acteurs du secteur ont également subi la flambée des coûts des réparations en automobile et de celui des matières premières en habitation. Résultat, les compagnies n’ont d’autre choix que de revoir à la hausse le montant moyen de leurs primes d’assurance en 2023. « Évidemment, chaque assureur a conscience de cette pression qui s’exerce sur ses assurés et fait ses meilleurs efforts pour essayer de contenir cette hausse tarifaire qui parait assez inévitable compte tenu des fondamentaux sur la fréquence et l’intensité des sinistres », expliquait Florence Lustman, la présidente de France Assureurs à News Assurances Pro en septembre dernier.

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D’autant qu’en parallèle de cette situation de marché inédite, l’exécutif a requis des efforts de la part des opérateurs du marché pour soutenir le pouvoir d’achat des Français. « J’ai demandé aux assureurs de limiter les primes d’assurance. Ils se sont engagés à contenir les prix en dessous de l’inflation en 2022 et en 2023 », expliquait à la rentrée Bruno Le Maire, ministre de l’Économie, des Finances et de la Souveraineté Industrielle et Numérique, après une rencontre avec les principales compagnies du marché.

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Le « cadeau » de Bercy ?

Dans ce contexte, chaque compagnie a donc fait chauffer ses calculatrices. L’objectif est simple, afficher des hausses qui soient à la fois digestes pour les assurés et techniquement viables. Résultat, pour 2023, les cotisations des assurés pourraient grimper en moyenne de 3 à 5% en automobile selon Facts & Figures. En MRH, le cabinet de conseil anticipe des hausses allant jusqu’à 8% avec une majoration « quasi forfaitaire » de chaque contrat de 10 euros au titre des risques climatiques, une revalorisation de base de 3% au titre de la hausse des coûts de la main d’œuvre et des matériaux et une majoration additionnelle de 3% à 5% pour les biens exposés au climatique de manière excessive. « Limiter la hausse moyenne à l’inflation [ndlr : autour de 6% fin 2022] est un cadeau fait à certaines enseignes, qui, sous couvert d’un discours de protection du consommateur, vont appliquer de fortes hausses alors qu’elles ne prévoyaient pas de le faire initialement », alerte le dirigeant d’une mutuelle d’assurance.

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Florence Lustman, présidente de France Assureurs et Bruno Le Maire, ministre de l’Économie et des Finances

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Annonces diparates Afin de tirer leur épingle du jeu, plusieurs acteurs ont d’ores et déjà communiqué leurs orientations tarifaires 2023, avec des positionnements relativement distincts. De son côté, la Maif, qui avait l’habitude de geler ses tarifs depuis plusieurs exercices, a annoncé des hausses mesurées et en dessous de l’inflation. En auto, l’assureur mutualiste appliquera donc une majoration moyenne de 2% contre 4,5% en habitation. Pour sa part, Abeille Assurances a communiqué fin novembre à son réseau d’agents généraux sa politique commerciale pour 2023. La compagnie, appliquera une hausse moyenne de 7,5%. « Le passage de ces majorations tarifaires est nécessaire pour faire face à la hausse de la sinistralité structurelle que nous connaissons », explique la compagnie. En MRH, la filiale de Macif pratiquera donc des majorations moyennes de 3,5 à 5% pour les affaires nouvelles et de 6% pour le reste de son portefeuille. Côté auto, ces hausses moyennes seront de 5% pour les affaires nouvelles et de 5,9% pour 80% du portefeuille.

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Fin 2022, seul l’Olivier Assurance a annoncé une baisse de tarifs en assurance habitation. L’assureur anticipe une baisse de ses primes de 15% pour les contrats des locataires et de 7,5% pour les contrats des propriétaires. Pour autant, la filiale française du groupe britannique Admiral n’a lancé son premier produit MRH qu’en 2021.

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épargne retraite : FRPS, Un régime de faveur largement adopté

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FRPS ou régime standard de retraite : les organismes d’assurance ont tranché. La Loi Pacte prévoyait le cantonnement obligatoire des actifs de retraite jusqu’au 1er janvier 2023.

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Malgré des débuts poussifs, une vingtaine de groupes ont opté pour la création d’un fonds de pension à la française, soit la majeure partie des organismes. Parmi eux, des bancassureurs (BNP Paribas Cardif, Crédit Agricole Assurances…) côtoyant des mutuelles (Garance, Mutuelle Médicis…), des groupes de protection sociale (Agrica, Malakoff Humanis, AG2R La Mondiale, Apicil) et des sociétés d’assurance (Allianz, Generali, Abeille Assurances…).

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Ces compagnies ont en effet choisi de transférer tout ou partie de leur portefeuille à un fonds de retraite professionnelle supplémentaire (FRPS). Axa, par exemple, n’y a logé qu’une partie de ses actifs. « Nous avons choisi de laisser la possibilité à nos clients – en fonction de la typologie de leurs produits – de sélectionner Axa France FRPS ou Axa France vie », explique Marie-Pierre Ravoteur, directrice épargne retraite entreprise du groupe. En dépit d’un processus marqué par de lourdes opérations comptables et contractuelles, mais également par un long travail de pédagogie, « le jeu en vaut la chandelle », explique-t-elle.

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Pourquoi un tel engouement ? Tout d’abord, le FRPS offre un régime dérogatoire par rapport à Solvabilité II. Entrée en vigueur le 1er janvier 2016, cette directive a en effet vite été jugée inadaptée à un horizon long terme de gestion des risques. Les organismes ayant opté pour la création d’un FRPS relèvent, eux, de la directive européenne sur les institutions de retraite professionnelle. Cette dernière, plus connue sous l’appellation Iorp II, se rapproche du régime de Solvabilité I. En clair, elle est moins gourmande en capital s’agissant d’investissements sur des actifs plus risqués que la dette souveraine. De quoi redynamiser son allocation d’actifs pour un meilleur rendement.

Une structure coûteuse

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Pourtant, malgré cet avantage majeur, certains organismes préfèrent rester sur un régime standard de retraite. Mettre en place une telle structure coûte plusieurs millions d’euros. Il n’est donc pas opportun de créer un FRPS pour des acteurs qui ont de faibles encours de produits de retraite supplémentaire. C’est le cas par exemple de SMA Vie, dont l’encours s’élève à 200 millions d’euros. Idem pour les organismes essentiellement engagés en unités de compte, Iorp II étant très bénéfique pour les fonds euros plus gourmands en marge de solvabilité que les autres supports. Car sous la directive européenne, l’actif général est piloté et limité afin de minimiser la dilution des taux de rémunération. Pour autant, le groupe Swiss Life qui pousse fortement les UC dans sa stratégie de développement, a lui aussi opté pour la création d’un FRPS.

Au-delà d’un cadre législatif assoupli, le fonds de pension à la française confère un autre avantage aux assureurs et pas des moindres. Les actifs adossant les engagements de retraite jouissent d’un privilège légal – jusqu’alors réservé aux cantons réglementaires – et ne peuvent être saisis par un créancier en cas de faillite. Si le marché français semble prendre goût aux FRPS, l’appétit reste très marginal au niveau européen.

La France en queue de peloton

Fin 2021, les fonds de pension de l’Espace économique européen représentaient 2.712 milliards d’euros d’actifs. L’Hexagone concentre seulement 1% du marché européen, contre 68% pour les Pays-Bas. Au niveau international, les fonds de pension américains gèrent 22.599 milliards de dollars, soit près de 60% des actifs totaux gérés au sein de l’OCDE à fin 2021. Ces situations très contrastées selon les pays reflètent les différences entre les régimes de retraite en vigueur. [/vc_column_text][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#ffffa7" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_column_text]

Pour donner un coup d’accélérateur à la France, « il convient de maintenir un régime de faveur pour les porteurs de risques », avance Hans Willert, associé chez Magellan Consulting. Mais ce régime de faveur pourrait changer, alors que la directive Iorp II doit être révisée. « Attention, il ne s’agira probablement pas d’un alignement avec la directive Solvabilité II », tempère Hans Willert. « L’idéal serait de trouver un accord à mi-chemin entre les règles assouplies de Solvabilité I et celles endurcies de Solvabilité II », poursuit-il. « Quoi qu’il en soit, l’amendement s’annonce progressif. Les lignes auront bougé à un horizon de cinq ans », conclut-il. Initialement prévu pour le 13 janvier, l’avis de l’Autorité européenne des assurances et des pensions professionnelles (EIOPA) sur une éventuelle révision est cette fois attendu pour le 1er juillet 2023. Encore faut-il que le régulateur européen maintienne son calendrier.

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PSC des fonctionnaires : Le chantier interne est lancé

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2022 a été une année de préparation à l’entrée en vigueur de la réforme de la protection sociale complémentaire des fonctionnaires qui fait la part belle aux contrats collectifs.

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Les premiers textes juridiques sur la mise en place de la réforme de la protection sociale complémentaire des fonctionnaires confirment la volonté des pouvoirs publics de privilégier les contrats collectifs à adhésion obligatoire.

Un accord socle sur la FPE

D’ici le 1er janvier 2024, les agents de l’État bénéficieront d’une complémentaire santé financée à 50% par leur employeur public. L’accord interministériel du 26 janvier 2022, signé à l’unanimité par les organisations syndicales, acte la mise en place d’un contrat collectif obligatoire pour les agents actifs.

Le texte fixe un socle interministériel de garanties qui s’appliquera en l’absence d’accord collectif conclu au niveau de chaque ministère. Le texte précise également les mécanismes de solidarité. Les retraités bénéficieront d’un plafonnement de la cotisation à partir de 75 ans.

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Après cet accord sur les frais de santé, les partenaires sociaux ont démarré des négociations sur la prévoyance statutaire et complémentaire. Mais les élections présidentielles en avril et professionnelles en fin d’année n’ont pas permis à ces négociations d’aboutir en 2022. Le ministère de l’Intérieur devrait lancer le bal des accords collectifs pour la mise en place d’un régime frais de santé dès 2023.

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La réforme de la protection sociale complémentaire était censée favoriser la concentration du marché mais à ce stade peu d’acteurs ont dévoilé leurs alliances. Le paysage des mutuelles de la fonction publique a cependant évolué. En début d’année, la mutuelle Mgéfi, référencée au ministère de l’Économie, des Finances et de la Souveraineté industrielle et numérique, a décidé de quitter le groupe Vyv pour rejoindre le groupe Matmut. Par ailleurs, la Mutuelle des Métiers de la Justice (MMJ) a quitté AG2R La Mondiale pour intégrer le pôle fonction publique d’Aésio Mutuelle. Enfin, en décembre, AG2R La Mondiale a mis un terme au projet de rapprochement avec Intériale.

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Par ailleurs, le passage d’un contrat individuel à adhésion facultative à un contrat collectif à adhésion obligatoire oblige les mutuelles de la fonction publique à réduire leurs coûts de fonctionnement. Le paquebot du secteur, MGEN, a annoncé en interne une réduction de coûts de 250 millions d’euros par an. La mutuelle a prévu de réduire 20% de ses effectifs d’ici 2027.

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Des montants insuffisants sur la FPT

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En ce qui concerne la fonction publique territoriale, le décret du 20 avril 2022 fixe le socle de garanties et les montants nets de participation des employeurs. Les dispositions entreront en vigueur le 1er janvier 2025 sur la prévoyance et le 1er janvier 2026 pour la santé. Le décret fixe à 30 euros le montant de référence pour la participation des collectivités territoriales et de leurs établissements au financement des garanties frais de santé de leurs agents. Ces derniers devront en financer au moins 50%, soit 15 euros par agent et par mois. Le même décret fixe à 7 euros par mois et par agent la participation de l’employeur public sur la couverture prévoyance.

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Les principales mutuelles d’agents territoriaux ont créé une coordination d’experts assurantiels et publié un plaidoyer afin de demander de revoir le panier de garanties et les montants de participation en prévoyance. En l’état, le prix de la couverture serait inabordable pour les agents les plus modestes. Et le montant de la participation employeur de 7 euros pas suffisamment incitatif pour garantir un fort niveau de mutualisation. Le collectif de mutuelles a formulé 16 propositions pour garantir le succès de la réforme de la PSC, dont certaines ont trait aux provisions techniques en prévoyance ou aux mécanismes de solidarité intergénérationnelle.

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Sur la fonction publique hospitalière, la réforme doit entrer en vigueur d’ici 2026. Les acteurs de la protection sociale complémentaire dénoncent ce calendrier, dans un contexte de crise dans les hôpitaux. Offrir une protection sociale complémentaire aux agents hospitaliers permettrait d’améliorer l’attractivité d’un secteur mal en pointqui peine à maintenir ses effectifs.

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