The insurers were not heard. The French Insurance Federation (FFA), the French National Mutual Federation (FNMF) as well as the technical center of provident institutes (CTIP) demanded a 6-month postponement of the reform allowing individuals to terminate at any time their collective or individual supplementary health contracts. The government, however, submitted its draft decree to the Council of State, as argus de l’Assurance spotted, and which Capital procured. The latter specifies that the effective date of the reform is set for December 1, as agreed to the National Assembly and the Senate in summer 2019.

The document also specifies the modalities of application of the reform. First, it will only be possible to terminate after the first anniversary of the contract has passed. It will apply to all health contracts, current and future, covering natural persons outside their professional activities, concluded for the reimbursement or compensation of costs caused by illness, maternity or accident. The only exception is contracts comprising “guarantees covering the risks of death, incapacity for work or invalidity”. Termination may take place if the insured expressly requests it in “paper medium” or “any other durable medium” – understood in writing, such as an email – to the head office of the insurer or to its representative, or if the new insurance organization requests it from the current insurance company.

It will thus be considered that the cancellation request will be received by the new insurer the day after the date which appears on the seal of the registered letter. The organization must therefore inform the insured of the receipt of this termination request, specifying the date of termination of the contract. A minimum notice of one month is required for a termination request. The first changes to health insurance can therefore only be made no sooner than

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