The new insurance

The contract "Bonus-Health" by MMA

A new contract of insurance issued by MMA was founded in December 2006. Like the insurance policies for vehicles and the principle of no-claims bonus, MMA reveals a new contract based on medical claims.
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 unless you use insurance, you will earn more money later this year.
This contract is intended to reduce the huge deficit of the fund primary health insurance.

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 not received reimbursement of medical expenses, MMA will refund 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 to 45.00). Obviously you will receive less reimbursement, plus the insurance company will reimburse you. In the event that your reimbursement of medical expenses exceed the amount of the fee, you pay 15% surcharge for nothing.

The insurance company decides to MMA, with this revolutionary new contract and interesting, to target a certain group of individuals. Indeed, the subscription of this type of contract is more for single people without children, and most importantly, healthy, preferably young, will never attend dentists and opticians.