Future medical expenses
The permanent pecuniary head of loss that compensates the medical, pharmaceutical, equipment and care costs the victim will incur after consolidation, capitalized over their lifetime.
After consolidation, a seriously injured victim keeps incurring health expenses: regular consultations and rehabilitation, medication, equipment such as a wheelchair, prosthesis or hearing aid, which must be replaced at set intervals. The future medical expenses head compensates the share left for the victim to pay, after reimbursement by social security and supplementary cover, which exercise their recovery rights against this same head. The expert lists the needs, their frequency and replacement cycle, and compensation is calculated as an annual amount then capitalized using a table, or paid as an annuity. For costly equipment replaced every five years over fifty years, the capitalized amount far exceeds the cost of a single item. For the insurer, it is a technical head where the precision of the assessment and the choice of discount rate weigh directly on the reserve.
A 25-year-old amputee in 2024 needs a 30,000 euro leg prosthesis, replaced every five years and poorly reimbursed; over his life expectancy, the capitalized award for this equipment alone exceeds 300,000 euros.
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