The insurers that have so far provided health care to the 1.5 million Muface officials and their families – SegurCaixa Adeslas, Asisa and DKV – have not revealed whether or not they will attend the new agreement that will be in force in 2025 and 2026, due to which could exhaust the deadline to communicate it, which expires next Tuesday at 10:00 a.m.
What the three have stated on repeated occasions is that the high accident rate of this group, increasingly older, and the outdated prices of the current agreement would have caused them operating losses of about 200 million euros annually among all, according to sector sources consulted by EFE, so it is not clear that they will continue.
In the specific case of SegurCaixa Adeslas, the 40% of the group of employees it serves are over 55 years old, which translates into a greater frequency of use of healthcare services and an accident rate that is above 100%, as explained by the company.
And this increase in healthcare costs has also been driven by the CPI growth and by the inclusion in the latest concerts of broader coverage and cutting-edge, high-priced treatments, which complicates management.
The amount of the contract for 2025 and 2026, whose tender was launched on October 14, is 3,217.9 million euroswith a budget of 2,681.6 million (1,337 million for 2025 and 1,344 million for 2026), according to the specifications published on the public sector contracting platform.
This budget represents a 17.12% increase of the premium per insured, which the Government insists is “the largest in history since comparable records exist”, and which will place it at 1,208.81, which is 176.69 euros more than the current 1,032.12 euros.
However, these figures are far from the rise in 38% that insurers consider necessary so that the provision of the service does not suffer a deficit, so its continuity is in danger.
Likewise, on October 17, the Government launched the tender for the health contracts of the Social Institute of the Armed Forces (Isfas) and the General Judicial Mutuality (Mugeju) for 2025 and 2026, with a base budget of 1,201 and 175 million euros, respectively.
As published the next day by the Official State Gazette (BOE) and detailed on the website of the Public Sector Contracting Platform, both tenders will also be open to offers. until next November 5th.
The concerts for the period 2022-2024, which They expire on December 31were signed, in the case of Isfas, with Adeslas and Asisa, and, in the case of Mugeju, with Asisa, DKV, Mapfre, Nueva Mutua Sanitaria del Servicio Médico, Sanitas and Segurcaixa, which will now have to speak out.
Mapfre rules out returning to Muface
At the moment, the only insurer that has commented on Muface is Mapfre, that “has not considered returning” to being part of the system, in which it participated until 2009, according to sources in the sector.
Last June, the CEO of Mapfre Spain, Elena Sanz, was willing to study the conditions of the contest, although she warned that They would only participate if it was profitablewhich does not seem to be the case.
They have also not clarified if they will continue providing service to the judicial mutuality (Mugeju), since they are analyzing the document, the sources add.
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