History of Reciprocity in France

In 1945, the French State builds the code of the Social security, with for objective generalizing a social coverage with all the French population. With leaving the Second world war, with a vision of rebuilding of France and its system of insurance health, the Reciprocity and the Mutuelle take a dominating place in the organization and the social management of the medical benefits of French.

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The Mutual insurance company will play an essential financial part in the financing of the health expenditure, then the protection of the family, in particular by tools of precaution, then of the management of the goods to the people.

The various stages during these 60 years are often done with political struggles and various questionings. It will be the case for the Mutual insurance company and Reciprocity.

1 - The glorious Thirty made move the world of the Mutual insurance company, because of various economic transfers, the trend of the cost of medical consumption which puts at evil a certain number of mutual insurance companies. By 1950 with 2005, the share of the health expenditure and goods medical very strongly increased, passing from 2,5% to 8,8% GDP. Many reforms will take place with a disengagement of the French state in the financing of the social security.

2 - After oil crisis to modify the principle even social security will push the French state to want, while wanting to found the User fee. The principle of the user fee will be ratified well later, and is known today members of each mutual insurance company.

3 - The Decentralization wanted by the French state in 1981 and the modification of the code reciprocity will also bring its batch of modification to the center even of the mutual insurance company.

4 - The new code of reciprocity version II modernized its role of social protection with respect to its members, which brings a new function to the Mutual insurance company. It also brings an answer while transposing in French right the European directives relating to the insurance.

The era of the Computerization of the social security, will bring to bring a great reform of the practices and relations of the management of the Mutual insurance company and relations with its members.

Data processing will make it possible each mutual insurance company to propose many additional services. The role interdependent of the mutual insurance company concerning the financing of its health expenditure remaining well an ethical factor of , the mutual insurance company also will launch out in the insurance damage. You will find at many actors mutualists of the offers in insurance life, auto insurance, insurance dwelling, insurances professional.

The era of computerization thanks to Internet with also launched a new era of communication. With the traditional values presented by each mutual insurance company, such as solidarity, social listening, the protection of each individual, the Mutual insurance company also evolved to the world of the insurance. Regroupings or interests commun run are found there. Internet also made evolve/move the world of the mutual insurance company with a new concept which is the comparator of mutual insurance company or complementary health. Certain mutual insurance companies made from the agreements with the world of broking in order to develop their sales turnover and to present to the world of the insurance their competitiveness and their know-how.

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