After the Government announced the renewal of the Muface concert, the mutual which offers health coverage to 1.5 million employeesmilitary associations and civil guards are now wondering, worried, what will happen to their access to the health system.
The Council of Ministers authorized on Tuesday the call for tenders for the Muface concert for the years 2025-2026 with a premium increase of 17.12%, improving the initial proposal by 14%. However, this announced amount is not enough for insurers who collect 24%. In principle, the negotiations are expected to be marked by tensions in the coming weeks.
For the moment, the negotiation is in the hands of Minister of Public Service and as the Minister of Health of Madrid, Fátima Matute, recalled, “since it is a discreet negotiation”, she “knows nothing», in direct reference to the minister, Mónica García. “We think that the Ministry of Health should be directly involved because there are 1.5 million people who would be registered on the list of the National Public System,” argued the Madrid Health official.
Social Institute of the Armed Forces
The same day, the Executive authorized the Social Institute of the Armed Forces (Isfas) to organize a concert to guarantee access to health care for its beneficiaries, that is to say the armed forces, among which are Civil Guardwho choose to receive it through insurance organizations for the same period.
Unlike the case of Muface, the Government has not communicated the amounts that it intends to transfer to the insurers which provide the Isfas service, which leaves the armed forces in a situation of “uncertainty” and “concern”.
And even if the negotiations Muface and Isfas are independentwhat is decided within the first can have its counterpart in the future of the second. Not in vain, There are 559,887 people benefiting from Isfas, according to the annual activity report of this service.
This is how he transfers it Mari Carmen Espejo, advisor to the Central Union of Civil Servants (CSIF) of Mufacewhich explains that the mutuality of civil servants, being the most numerous, “is the one that advances” in relation to the others.
Military associations
In this regard, Marco Antonio Gomezpresident of the Spanish Association of Troops and Sailors (ATME), warns that if an agreement is not reached with the mutual societies, The government would target more than a million people assigned to Isfas to address Social Security, which would not be able to “absorb” this request, which would generate “more waiting lists”.
Iván Alcántara, organizational secretary of the Unified Association of Spanish Military (AUME), agrees with this, recognizing the “concern” within the organization about the possibility that those who now turn to the system of insurance should now do so in public. health system, because it is “saturated”.
Civil Guard
In the same line, Agustin Lealcommunications secretary of Jucil, the majority association of the armed institute, underlines that if the situation is not resolved, “thousands of civil guards will be forced to resort to public health”, which would lead, again once, to “saturation of an already overloaded system.”
The Unified Association of Civil Guards (AUGC) emphasizes, for its part, the “inequality” in the treatment that, according to it, Isfas mutualists receive compared to that of Muface, since in their case they are not known “neither the funds nor if the budget will be equivalent to that of Muface”, it was detailed.
National Police
Unlike the Armed Forces and the Civil Guard, the National Police is governed by the mutuality of Muface – almost 120,000 beneficiaries– in access to health care. However, the “concern” is the same.
This is what the Jupol union emphasizes, which emphasizes that the lack of agreement between the Spanish government and insurance companies could lead to “the abolition of civil servants’ mutual insurance companies”, and with it, to the “reduction” of the quality of care of agents and of society as a whole, since the public health system “could not cope” with the demand for care.
This is the bonus offered
The increase authorized by the Government will bring the average annual premium per insured person to 1,208.81 in 2026, which represents an increase of 176.69 euros compared to the current 1,032.12 euros.
In the state civil servants mutual (Muface), 65% are primary, secondary and university teachers, and 17% belong to state organizations. General State Administrationaccording to the government, which has not yet published the bases of the concert of mutual societies of the administration of Justice (Mugeju) and that of the Armed Forces (Isfas).
With the increase approved this Tuesday for the Muface concert, the total amount of the contract increases by 304 million, to reach a total of 2,681 million euros (1,337 million in 2025 and 1,344 million in 2026).
Not enough for insurers
For the IDIS Foundation these figures are “absolutely insufficient» to support help from insurance companies, while the civil servants’ union CSIF fears that underfunding the system will affect the quality of health care.
In 2023 alone, Muface’s aid to mutualists generated 142 million losses, a figure that has been accumulating for years and which worsens when the growth in health spending approaches 10%.
The group’s underfinancing and high loss ratio have led this model to a situation of “high risk of viability“, warns the IDIS Foundation, which states that if the agreement is not renewed due to lack of agreement with insurers, the national total of visits to public primary care would increase by 2% and the number of patients on health care lists would increase by 2%. waiting would increase by 266.% for outpatient consultations and 115% for surgical interventions.
Likewise, it is estimated that 3,975 additional beds would be needed in the public hospital system, while health spending would increase by 1,214 million per year, or 1.3%.
