Attachment C - Statistics Health and Life Insurance.pdf

This document is an income statement for health insurance provided by Groupe Henner for the U.S. Embassy for the year 2024. The report provides detailed analytics on healthcare costs and benefits for employees, spouses, and children. Key demographic information reveals 698 total beneficiaries in 2023, increasing slightly to 694 in 2024, with an average employee age of 54 and spouse age of 58. The employee distribution is nearly balanced, with 51% women and 49% men.

The health benefits analysis breaks down costs across multiple categories including general practitioners, specialists, pharmacy, dental, optics, hospitalization, and medical auxiliaries. There are two insurance options - low and high - with varying coverage rates and reimbursement levels. The total health amount for the group in 2024 is 543,691€, with a coverage rate of 90-91%. Additional details include a family coefficient of 1.40 and 103 retired beneficiaries. The document also includes a pension income section with loading charges of 13% for death, incapacity, and invalidity insurance, and provides a multi-year financial breakdown of expenses, balances, and service/premium ratios.