Health Insurance: The Rise of Modular Offers in 2025

Summary: In 2025, mutual insurance companies and health insurers are launching \"à la carte\" offers allowing policyholders to build their own level of coverage (vision, dental, third-party payment, teleconsultation). This article compares several modular models, explains how a \"package à la carte\" works, and highlights the advantages for French policyholders (especially cross-border workers). It also analyzes potential risks (complexity of comparison, annual renegotiation).

Modular Offers: A Revolution in Health Insurance

The health insurance market is undergoing a major transformation in 2025 with the emergence of modular offers. Far from standardized contracts, mutuals and insurers now offer customizable solutions, where each policyholder can precisely choose the coverage they need. This evolution meets a growing demand for flexibility and adaptation to new lifestyles, while integrating digital advances such as teleconsultation.

How an \"à la carte\" Health Package Works

The principle is simple: the policyholder selects, from a list of coverages, those that match their needs and budget. This modular approach generally revolves around a mandatory basic package (hospitalization, general medicine), to which optional extras can be added, such as:

• Vision (glasses, contact lenses, refractive surgery)
• Dental (prostheses, orthodontics, implants)
• Enhanced third-party payment
• Coverage of alternative medicine
• Unlimited medical teleconsultation
• Assistance abroad or for cross-border workers

The policyholder can thus adjust their contract each year, according to changes in their family, professional, or health situation.

Comparison of Different Modular Models

The main players in the market differ by the level of customization offered:

• \"Packaged\" Model: Some insurers offer thematic packages (young professionals, families, seniors), each modifiable on a few aspects (vision, dental, enhanced hospitalization).
• 100% à la carte Model: Other players let you build each coverage independently, with several reimbursement levels for each type of care.
• Hybrid Model: A mandatory base, enriched with options to select from about ten modules, often via an online client space.

Competition is pushing insurers to develop simulators and comparison tools to help policyholders find their way among the many possible combinations.

Advantages for French Policyholders, Especially Cross-Border Workers

• Optimal Personalization: The policyholder pays only for the coverage relevant to their situation, potentially resulting in significant savings.
• Adaptation to Mobility: Cross-border workers and expatriates benefit from specific modules covering their particular needs (care in Switzerland, cross-border coverage, multilingual assistance).
• Annual Changes Without Penalties: It is possible to adjust the contract at each renewal, according to changing needs (birth, job change, chronic illness).
• Facilitated Access to Innovation: Teleconsultation, personalized prevention services, and new medical practices are rapidly integrated into modular formulas.

Risks and Limits of Modular Offers

Despite their advantages, modular offers also present challenges:

• Complexity of Choice: The multiplication of options can make comparison difficult, even with online simulators. The risk is choosing insufficient or redundant coverage.
• Annual Renegotiation: Regularly re-evaluating the contract can create uncertainty and possible premium increases, especially if health status worsens.
• Reimbursement Transparency: It can sometimes be difficult to anticipate the actual out-of-pocket amount, especially for costly or specialized care.

Outlook: Towards a Democratization of Personalized Health?

In 2025, the rise of modular offers is part of a broader trend towards individualization of health insurance contracts. While their adoption requires enhanced education and support for policyholders, these \"à la carte\" solutions could become the norm in the coming years. The challenge: combining flexibility, protection, and clarity to effectively meet the diverse needs of the French, especially those living or working abroad.

In conclusion, while modularity paves the way for more adapted and evolving health insurance, it requires policyholders to stay informed and regularly compare offers to fully benefit, while avoiding the pitfalls of excessive personalization.