3 Lessons from Réavie 2026

Back after three days in Cannes.

Health insurance policyholders are going to feel the pinch.

Réavie means around twenty scheduled meetings. And many more when you count the informal conversations with brokers, insurers, and reinsurers.

Here are the three things I am taking away from this year’s edition.

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1️⃣ 2027: the year of XXL premium increases in individual health insurance

A minimum average of 10%. Essentially double-digit increases for policyholders once you factor in age-related adjustments, regulatory changes, the gradual withdrawal of the Sécurité sociale, and inflation: everything is pushing in the same direction.

A huge challenge for policyholders. For a retiree, that could mean roughly 150 euros more per year, in an already inflationary environment in France.

And a real headache for brokers and insurers alike: how do you retain customers in these conditions, and how do you keep products viable over time?

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2️⃣ Unfortunately, uncertainty remains the norm

The state budget is still being debated, the presidential election is a few months away, and the structural pressures on the healthcare system keep building.

Add to that the non-responsible contract, on which we are finally starting to have enough hindsight to draw real conclusions. For example, does it generate more or less churn than a responsible contract after a few years? That is a question worth watching closely.

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3️⃣ Long-term management is more critical than ever

This context only reinforces one of my core convictions: products need to be managed over time. That is what we do at Seyna.

Over a minimum of four years, jointly between the broker and the insurer. With shared objectives, a common business plan, and a profitability curve tracked month by month. And above all, hypotheses shared with full transparency, so we can react quickly, adapt products when needed, and build more sustainably.

To everyone I crossed paths with in Cannes: thank you for the conversations and the debates.

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