Overview

• The agreement, running through December 2027, replaces DKV with Adeslas and ASISA as private healthcare providers for MUFACE members.
• Mutualists currently with DKV have until May 31 to switch to INSS, Adeslas, or ASISA, or they will be automatically assigned to the public INSS system.
• The €4.8 billion contract includes a 41.2% cumulative premium increase over three years, with new age-based premium adjustments.
• A governance commission will oversee regulatory projects, care protocols, and external audits of annual service costs.
• Digital issuance of incapacity, pregnancy risk, and lactation risk certificates will streamline administrative processes.