Health insurance boss with 10,000-franc franchise offer: Acceptance of comprehensive restructuring in health insurance is growing

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This is the breaking of a taboo: For the first time, it is not just SP that wants to change the income-neutral financing of the health system.

Thomas Harnischberg (61), president of the health insurance company KPT, suggests in an interview with “Le Temps” that there has been a significant increase in the deductible for the wealthy: “I think someone with an income of 500,000 or even a million francs would be fine with a deductible of 10,000 francs.” The head of the Bernese health insurance company believes that such a measure would reduce premiums and impose greater obligations on high-earning insureds.

Colatrella presented

While the proposal seems sketchy, the backlash isn’t as big as it was five years ago. At that time, CSS boss Philomena Colatrella (55) proposed the 10,000-franc franchise in an interview with SonntagsBlick. This idea shocked even bourgeois health politicians at the time.

Today there is more debate about the application or savings effect. This shows that the suffering is great and the premium burden is too high for many people. Health insurance is the only social insurance that does not take income into account.

“Less than one percent of the population has such a high income. Health economist Tobias Müller (37) criticizes the KPT proposal, saying: “If health care costs are eliminated for the general public, this will have no impact on overall health care costs.”

Health insurance expert Reto Dietschi (57) agrees: “The income threshold needs to be set much lower if it really makes a difference.” It would be a step back, but at a time when premiums were much lower: “Health insurance used to be a high-risk insurance policy that covered only existential costs, but today almost everything is paid for.”

It gets harder when it comes to implementation

Pius Zängerle (60) is the director of the health insurance association Curafutura, of which KPT is a member. He can see a lot in the thrust of the proposal: “The issue of higher privileges is on the agenda. “We need to discuss the correct distribution of costs between taxes, premiums and direct contributions.”

Martin Landolt (55), President of Santésuisse and Member of the National Assembly of the Centre, adds: “This should not be a taboo subject.” Even if the offer is based on the financing side and not the cost side. The real problem is ever-increasing health care costs, which has led to a huge increase in premiums.

Do health insurance companies need to check tax documents?

“In my opinion, the possibility of increasing franchises even further in order to ultimately save on health care costs,” says FDP National Assembly Member Marcel Dobler (43). “This particular proposal raises some practical questions: Will health insurance companies need to check the relevant tax documents? But what if you suddenly become unemployed? Therefore, enforcement will not be easy. The devil is in the details here.”

SP National Assembly Member Flavia Wasserfallen does not want to dwell on this issue: “I support any measure for the distribution of costs based on income. “It is important that such suggestions also come from health insurance companies.” Because in today’s system, a disproportionate burden is placed on the middle class.

Source :Blick