Big analysis of health insurance premiums: This is how high your savings potential is with basic insurance

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If you haven’t made a move yet, you should definitely do so now: discover the potential for savings on health insurance premiums and, above all, take advantage of it. In this way, the latest premium shock can be at least somewhat mitigated.

Those who are particularly cautious about change could save a lot of money next year, as an analysis by comparison service Comparis shows. Approximately 0.7 million adult insured under the standard basic insurance model can reduce the premium burden by 40 percent or more. In most cantons and premium regions the difference between the highest and lowest premiums is still very high.

There are three ways to lower premiums for those with standard insurance: Look for cheaper health insurance, increase deductibles, and change doctor models.

Health insurance expert Felix Schneuwly says: “The second consecutive premium shock is putting many insured people in financial difficulty due to general inflation. Therefore, it is important for every insured to compare premiums and check their individual savings potential.”

You can reduce your premium burden as follows:

For example, if you abandon standard insurance without any premium reduction and choose a cheaper doctor model, you can save up to 53 percent – or over 3,000 francs per year – by switching from the most expensive to the cheapest provider. This maximum variability can be achieved by switching from the standard Helsana model (with accident insurance) in the canton of Zug to the HMO model in Concordia.

Patients with chronic diseases often choose minimum deductibles due to high medical and drug costs. But even for these, the premium is less than a third. By switching to a cheaper health insurance provider and a cheaper doctor model. Fear of a reduction in medical services is unnecessary, because in basic insurance the same service catalog applies to all health insurance companies. The only thing that needs to be acknowledged is the change in new access to the doctor.

“Insured people should not be content with simply choosing the highest deductible rate from their insurance company. There is often a much greater potential for savings when you switch,” says Schneuwly. There is potential for savings of 20 to 30 percent just by switching to one of the cheapest providers. Depending on the canton, you can even benefit from discounts of up to a maximum of 37 percent.

Even those who have already chosen another alternative insurance model and the highest deductible can save a lot of money in 2024, given the sometimes high premium increases. There is a premium discount of up to 30 percent for Telmed insured people and up to 29 percent for family doctor model insured people. (Ah)

Source :Blick