As of September, five Isapres of the Private Health System in Chili They will apply an increase in the base price of their plans. This measure responds to the entry into force of the Base Price adequacy (APB) 2025, a mechanism that regulates annual price adjustments and that this year set a maximum ceiling of 3.7% For these increases.
Affiliates can appeal in certain specific cases: If the Isapre did not notify the rise at least one month in advance, if the increase exceeds 3.7% allowed or if applied to a plan less than a year old. Users can channel their claims through the Superintendence of Health.
The 5 Isapres that will increase their prices
The Isapres that will raise their rates are: Colmena, Banmédica, Cruz Blanca, Essential (all with an increase of 3.7%) and Consaludwhich will apply a slightly less than 3.6%rise. According to preliminary estimates, this could mean an additional monthly payment of up to $ 3,784 per contract, depending on the plan and its coverage.
Isapres who cannot increase their prices
In contrast, New Masvida y Vida Tres They may not increase their prices, since they did not meet the requirements established by the health authority. In the case of Nueva Masvida, it did not reach the minimum percentages required in the preventive medicine exam, and also presented a negative variation of operational costs of 0.3%. Life three, on the other hand, showed a decrease of 0.2% in costs, as well as its foundation matrix, which fell 0.5%.
