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The cat is out of the bag: Health insurance premiums will increase by 8.7 percent on average in 2024. The average monthly premium will reach a whopping 359.50 francs in the future.
For this reason, many insured people are again looking for another provider for basic insurance. Because by switching, you can save serious costs despite the premium increase. But not just that. Comparison portal Moneyland offers more tips on how owners of expensive policies can achieve maximum savings potential from their health insurance company.
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It is required by law to benefit from compulsory health insurance in Switzerland. However, annual premiums vary significantly from health insurance company to health insurance company. It is useful to take a closer look at the health insurance premiums for compulsory basic insurance, which will be announced in the next few weeks. By the way, you should also do this by age group: The cheapest health insurance for adults may not be the cheapest for children or teenagers. Families can save hundreds of francs a year by choosing the cheapest offers for children and adults from various health insurance companies. However, there are also health insurance companies that offer significant discounts on adult premiums if children have basic insurance with the same company.
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You can get basic and additional insurance from different health insurance companies. This means you can find the best solution for each insurance company. Attention: Every health insurance company is obliged to accept everyone in basic insurance; For supplementary insurance, applications may be rejected based on health profile. Some health insurance companies offer discounts if you take out basic and supplementary insurance.
However, it is usually cheaper to get additional insurance separately. There are wide variations among health insurance companies in the services covered by supplemental outpatient insurance, such as fitness subscription contributions, sports club membership, visual aids, preventive examinations and more. Anyone eligible for additional insurance must explain the benefits in detail according to their needs.
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There’s a lot of savings potential when it comes to deductibles on healthcare costs: The higher the deductible, the lower the monthly premium. Anyone who does not expect extensive treatment or major surgery in the coming year and therefore has very low medical expenses can save up to 45 percent of their premium by choosing the highest deductible (2,500 francs). Choosing the right deductible also depends on the age group, premium region, health insurance company and insurance model. Medium-sized franchises, ranging from 500 to 2,000 francs for adults, are practically never the right choice.
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By choosing the right savings model, you can save over 20 percent on premiums. You can choose from family doctor, HMO, Telmed and pharmacy models. The basic services specified in the law are the same for all models. However, alternative savings models restrict the freedom to choose a doctor as the first point of contact, except in emergencies.
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Anyone who works at least eight hours a week for the same employer already has accident insurance (UVG insurance). In this case, there is no need to obtain additional accident coverage through the basic health insurance policy. You can save an average of over 6 percent of your premium without additional accident coverage. In addition, health insurance accident insurance (KVG) has significant disadvantages compared to UVG insurance because you have to pay deductibles and deductibles and receive less benefits in case of serious accidents.
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The level of taxable income below which individual premium reductions are possible, how high the reduction contributions are, and when and how they are paid vary from canton to canton. The responsible cantonal social insurance offices or compensation funds provide information on this subject. It might be worth asking.
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Some health insurance companies offer additional discounts of up to 2 percent depending on payment method. For example, instead of monthly premium payments, a one-time advance payment or semi-annual payment is made. Or if payment is made via direct debit.
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Anyone who performs military service, public service or civil defense for more than 60 consecutive days may claim back the relevant health insurance premiums. The health insurance company must be informed in advance about the duration of service.
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Good to know: Everyone who is entitled to additional benefits will be reimbursed for their deductible and deductible medical expenses for compulsory health insurance, dental treatment, household assistance, transportation costs, recovery treatments and more.
Source :Blick
I’m Tim David and I work as an author for 24 Instant News, covering the Market section. With a Bachelor’s Degree in Journalism, my mission is to provide accurate, timely and insightful news coverage that helps our readers stay informed about the latest trends in the market. My writing style is focused on making complex economic topics easy to understand for everyone.
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