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3 tips on how you can save over CHF 1,000 in health insurance premiums!

3 tips on how you can save over CHF 1,000 in health insurance premiums!

Would you like to save CHF 1,000 or more in health insurance premiums? This is quite possible, but this saving? Only? applies to the year. Nevertheless: With CHF 1,000 you can fulfill one or the other wish, for example a vacation.

The fact is: the savings are only possible with your health insurance. The clou: you basically just have to sit on your pants bottom and the three? Big? Compare your health insurance points. What are these? These ones:

    • insurance
    • franchise
    • ECR model

As is well known, basic insurance is the same for every health insurance fund. You can cancel this every year up to one month before the end of the contract. If the insurance expires at the end of December, you must terminate by the end of November at the latest, or your insurer must have terminated by then.

Less health insurance premium: insurance comparison

We come to the comparison that we start with the insurance. Honestly: How long have you been with your current insurer? Have you ever taken it over from your parents? Have you ever compared or even switched? Then it's time.

Because even if the basic insurance is prescribed by law and therefore it is the same for every fund, there are differences. With the bonuses. A simple online comparison can save you a few hundred francs a year, even though the benefits are the same.

Save health insurance premium: calculate franchise

The second point in comparison is the franchise. This determines the amount you pay proportionately to maintain your health. Since you have several franchises to choose from, you can save a few hundred francs a year again with the right franchise. Small but: Not all insurers offer all franchises. As an adult, you have the following options:

    • 300 ? 500 ? 1.000 ? 1.500 ? 2.000 ? 2.500

For adolescents up to the age of 18 again these:

    • 0 ? 100 ? 200 ? 300 ? 400 ? 500 ? 600

The rule of thumb is simple: either low or high. That means: As an adult, you should take a franchise of 300 or 2,500. Experts recommend the 0 franchise for children up to the age of 16, and the 300 franchise for adolescents aged 16 and over, because these franchises generally offer the greatest savings potential for the respective group. You have to work out what is actually best for you. You can find the corresponding premium calculator online or here with us.

Tip: If you want to be on the safe side, contact an expert or of course us.

Lower health insurance premium: health insurance model

Finally, should you compare the health insurance model? most Swiss are in the family doctor model. There are also a few other models to choose from:

    • default: The most expensive model with a free choice of doctors and therapists.
    • telemedicine: Saves up to 15 % thanks to the obligation to contact a medical hotline first.
    • Health Maintenance Organization: Saves up to 13 % and is similar to the family doctor model, but relies on doctor networks. If you are sick, you must contact a doctor from this network.
    • GP model: Saves 5 to 15 % and obliges you to go to a previously selected family doctor in the event of illness.

As you can see, you can also save one or two francs a year with the health insurance model. 

Saving opportunities through supplementary insurance

 

Supplementary insurance offers further savings potential. These policies supplement basic insurance benefits, but are voluntary. However, since the companies can decide on the admission of their insurance members, you are well advised to inform yourself as soon as possible about potential additional insurance and to take out this. 

That is why you even run a great financial risk if you permanently decide against supplementary insurance. 

Conclusion

If you are unsure about looking for suitable health insurance, simply get advice from an independent expert when in doubt. With the support of these experts, you will certainly quickly find a suitable contact person who can present you offers with the best price-performance ratio. 

Now it's really worth it! 1,000 francs with one Save health insurance comparison!

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How do I find the perfect health insurance company?

How do I find the perfect health insurance company?

Are you dissatisfied with your health insurance because you pay premiums that are too high? Then you should switch. In the best case, you will save 1,000 francs or maybe even more next year. But how do you find the perfect health insurance for you? This is not so hard.

Because as a Swiss (or future New Swiss) you enjoy some advantages. In fact:

    • Free choice of health insurance
    • same benefits thanks to basic insurance,
    • the change at the end of each year,
    • Saving potential via franchise, place of residence and Co.

The basic insurance is always the same, but the premiums are not. However, sometimes you can influence them, for example by choosing where you live. In fact, moving to another canton can be worthwhile if the premiums are simply cheaper there.

No differences in basic insurance

Either way: Basic insurance is the same from one cash register to the next because it is prescribed by law. But how do different premiums come about for the same services? On the one hand, the reasons here, as mentioned, are in your place of residence or region, but also in age, the chosen franchise or additional services.

For example, accident insurance is rarely necessary. If you work for the same employer for more than eight hours a week, you do not need your own accident insurance because your employer is obliged to take out such insurance. 

You can save yourself the money, especially since it is irrelevant whether the accident happens at work or in your free time. Children or non-working people, on the other hand, have to take out private accident insurance.

Health Insurance: The Franchise Thing

The franchise is also interesting. As you know, you can choose these freely, which can save you a lot - or not. The rule of thumb is simple: the higher your franchise and thus your deductible for medical treatment costs, the higher discounts the insurers grant. 

If you are little ill, a high franchise is worthwhile. But: Not every insurance company offers all franchises. These range from CHF 300 to CHF 2,500 for adults and CHF 0 to CHF 600 for children. This means that you have to pay 300 to 2,500 or zero to 600 francs per year for your treatment costs.

What does the health insurance offer for supplementary insurance?

Supplementary insurance is also important. These close the gaps in basic insurance and thus protect you against certain illnesses or treatments. 

This is exactly the point where the chaff is separated from the wheat, because the supplementary insurance policies vary considerably from one health insurance company to another. Some insurers can also reject you depending on their age and gender - and thus on risk. This is not possible with basic insurance.

You can choose between the two categories? Outpatient supplementary insurance? as well as? hospital insurance ?. The former covers costs for

    • Alternative medicine,
    • Glasses or
    • Dentist.

Hospital insurance is divided into? General? and? private / semi-private ?. ?Generally? assumes additional costs if you are hospitalized in another canton. ? Private / semi-private? again certain? comfort costs? like a one-bed room or treatment by the chief doctor.

Changing often brings advantages

Good to know: A change of health insurance is often worthwhile. However, it is important that you always follow the statutory deadlines. Policyholders can cancel their compulsory basic insurance at the end of each year. 

In this case, however, insured persons should comply with the November 30 reporting date. On this day, the previous health insurance company must receive written notice of termination within normal business hours. If the policy is not based on discounts, there is talk of a proper franchise. 

In this case, policyholders may submit the notice of termination in addition to July 1. However, a basic requirement for a change is to join a new insurance company first. Finally, seamless health care must be guaranteed. 

Conclusion

The "perfect" Health insurance is a very individual matter because it depends on your very own needs. Especially since you do not have to take out basic and supplementary insurance from the same provider.

It's worth comparing! Now click here and with the health insurance comparison find the right one!

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Am I paying too much for health insurance premiums?

Am I paying too high premiums to my health insurance?

Millions of insured people are probably asking this question: Am I paying too much to my health insurance? Possible, because the premiums are increasing year after year, although the law requires them to be based on the actual costs. In 2019, the premiums rose by an average of 1.2 percent. Yours too?

According to the Federal Office of Public Health (BAG), the new medium premium (formerly the standard premium) rose by 1.2 percent in 2019? at least on average. In other words, the rate of inflation varied depending on the canton. 

However, health insurance contributions went up everywhere. Nevertheless: in the best case, the inflation rate for adults aged 26 and over was below 0.5 percent. For example in:

    • Appenzell Inner Rhodes (0.2 %)
    • Uri (0.3 %)

In the worst case, the price increases for them Health insurance premiums by canton on the other hand at well over three and even four percent, for example in:

    • Law (3.7 %)
    • Ticino (4.0 %)
    • Neuchâtel (4.4 %)
    • Valais (4.6 %)

Large regional differences in the premiums

The highest premiums are more due in other cantons. The top 5 most expensive regions in terms of health insurance premiums are 2019:

    • Basel-Stadt: CHF 482.20 (+1.6 %)
    • Geneva: 480.30 francs (+2.3 %)
    • Vaud: CHF 419.30 (+3.0 %)
    • Neuchâtel: CHF 415.20 (+4.4 %)
    • Basel-Landschaft: CHF 415.10 (+1.9 %)

You are a winner if you live in the following cantons:

    • Appenzell Innerrhoden: CHF 263.9 (+0.2 %)
    • Uri: CHF 288.10 (+0.3 %)
    • Nidwalden: CHF 292.60 (+3.4 %)
    • Train: CHF 298.50 (+1.3 %)
    • Obwalden: CHF 303.70 (+2.8 %)

In these cantons, insurers charge the lowest premiums anywhere in Switzerland. A little tip: If you actually pay too high a health insurance premium, moving to Appenzell Innerrhoden, Uri or Nidwalden could be worthwhile. 

If you are currently looking for a job and are not afraid to move, you should search in these regions.

How you can save on health insurance costs

From then on, it is worth comparing your current insurer with other health insurance companies, because despite the same benefits? Keyword basic insurance? you can save CHF 1,000 and more a year. You could certainly use the money better, for example for a nice vacation. 

But how can you save? There are several points to offer:

    • The aforementioned change of your place of residence,
    • upgrading your franchise or
    • a change to another till model.

As you know, your franchise tells you how much of your own medical costs you have. If you are willing to increase this share, the insurers will be happy to reward you with higher discounts. 

Switching to another till model like? HMO? or? family doctor? also brings you a discount of up to 15 percent. This means that a few hundred francs are raised each year.

Health insurance: Accident coverage and children

Incidentally, accident coverage is usually not necessary for employees. If you work for your employer more than eight hours a week, you must have accident insurance. In this case, you can save yourself additional accident insurance. 

Children in the household, in turn, attract many providers with special tariffs, where you sometimes have to pay up to 90 percent less. A special family rate is definitely worth it.

Lower premiums: with a savings model

You can also think about the extent to which a switch to a so-called savings model is possible for you. With most health insurance schemes, you end up automatically paying more money if you don't use these savings offers. 

However, if you opt for an HMO, family doctor or Telmed model, you pay significantly lower premiums to the health insurance companies. With the Telmed concept, for example, you have to call an advice center before consulting a doctor. Despite the high savings potential, this effort is relatively limited. 

In the case of a family doctor model, on the other hand, policyholders undertake to first visit a firmly agreed family doctor. If you choose the HMO model, patients consent to treatment in group practices. 

Bottom line: If you think your health insurance bills are too high, you should definitely get one Carry out and change health insurance comparison. The health insurance companies offer you enough savings potential.

Check it here whether you are paying too much to your health insurance!

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3 reasons why you should change health insurance this year

3 reasons why you should change health insurance this year

Are you annoyed by the horrendous premiums that you transfer to your health insurance company every month? Then it is time for a change, with which you can save CHF 1,000 a year. Here are three good reasons why you should change health insurance this year.

Change health insurance: Rising premiums

The first reason is simple: in 2019, health insurance premiums rose again. On average, the insured pay 1.2 percent more than in 2018 - and on average, mind you. Sometimes the cash registers in some regions even rose by four percent or more. The insured, for example, got angry in:

    • Valais: +4.6 %
    • Neuchâtel: +4.4 %
    • Ticino: +4.0 %
    • Law: +3.7 %

The inflation rates are clear and make up a good sum all year round. However, if you compare the different providers, you can save a few francs despite the price increase.

Change health insurance: Other canton

You pay the most expensive premiums in all of Switzerland in the following cantons:

    • Basel-Stadt: CHF 482.20
    • Geneva: 480.30 francs
    • Vaud: CHF 419.30
    • Neuchâtel: CHF 415.20
    • Basel-Landschaft: CHF 415.10

Just for comparison: in the cheapest region, namely the canton of Uri, you only pay CHF 203.90 as an adult (from the age of 26). These cantons are also cheap:

    • Nidwalden: CHF 207.40
    • Obwalden: CHF 215.20
    • Lucerne: CHF 229.50
    • Train: CHF 221.10
    • Thurgau: CHF 229.90

If you are currently looking for a new job and are ready to move to another canton, such a move could be financially worthwhile. 

In the cantons of Uri, Nidwalden or Zug, you pay significantly less health insurance premiums than in Basel-Stadt, Geneva or Vaud. The bare figures prove that there is a gap of more than 100 percent between the cheapest and most expensive cantons. 

Do the math in francs over a whole year. A lot comes together.

Change health insurance: compare savings potential

This brings us to the last and third reason why you should definitely change your health insurance in 2019: Because you can save a lot of money. 1,000 francs and more are possible when changing the health insurance. A lot of money with which you can fulfill one or the other wish. For example, a romantic vacation for two.

You don't always have to move and give up your house and yard. Rather, already submits simple health insurance comparison. Because despite the same benefits - keyword basic insurance - every insurance has some savings potential. 

You can find this in your franchise, the insurance model or in the various supplementary insurance plans. Accident insurance is only necessary, for example, if you are not working or are self-employed. 

However, if you work as an employee for at least eight hours a week for the same employer, the employer must take out accident insurance for you. This applies even if you have an accident privately.

Change health insurance: it's that easy!

Switching from one health insurance company to the next is often easier than expected. If you follow the insurance company's notice periods, you have taken the first important step. 

While you can cancel your basic insurance annually on November 29 and switch to a new company from January of the following year, the notice period for supplementary insurance is usually at the end of September. 

However, especially when looking for new supplementary insurance, you should make sure that you have already received confirmation of admission from the new insurance company at the time of cancellation. 

If you then submit the letter of termination by registered mail using the cancellation form, you have met all the important requirements.

Conclusion: if you don't change, it's your own fault ...

Our final sentence is therefore clear: if you don't change, it's your own fault. Because you are giving away cash that you can certainly use better. So don't hesitate, compare and switch.

It's worth comparing! Now here to compare and calculate your savings potential in 5 seconds!

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Health insurance premiums are rising: How to lower your costs

Health insurance premiums are rising: How to lower your costs

Has your health insurance premium recently become more expensive? Then it is time to act, because you can reduce your costs. CHF 1,000 and more are possible per year. Only: you have to compare. We'll tell you what to consider.

You know it yourself: With basic health insurance, the Swiss legislator prescribes exactly what benefits the health insurers will have to pay you if necessary. Nevertheless: Although the benefits are the same for all health insurers, there are sometimes big differences in the premiums. There are several reasons for this, for example your:

    • Age,
    • Place of residence or region,
    • Gender,
    • Accident coverage,
    • Franchise,

You can hardly change factors such as age or gender, but you can change other factors such as place of residence, franchise or insurance model. And this is exactly where you start.

Lower health insurance premiums: moving as an alternative

In fact, moving is an alternative. Do you live and work in the same place? Then moving is unlikely, but if you live in the canton of Schwyz, for example, but work in Zug, Glarus, St. Gallen or Uri, you might have to pay less in these cantons. 

For? Frontier workers? between the cantons, a comparison by region is a good start for a cash comparison. Especially since in this way you shorten your way to work and thus - save on fuel - save a few more francs.

Lower health insurance premiums: choose a higher franchise

However, the franchise and the insurance model offer the most savings potential. First of all to your franchise, with which you determine the proportionate costs of your treatment. As an adult, you have the following options:

    • 300 ? 500 ? 1.000 ? 1.500 ? 2.000 ? 2.500

For children up to the age of 18:

    • 0 ? 100 ? 200 ? 300 ? 400 ? 500 ? 600

As a rule, with the highest deductible, i.e. 2,500 or 600 francs, you will receive the most discounts from the insurers. In other words: the higher your own share (franchise plus deductible), the cheaper the health insurance premiums are. 

But: If you are sick more often or even chronically, the calculation goes backwards, because in this case you will probably do better with a higher premium with less own contribution over the year. Here you have to individually calculate what is financially advantageous for you.

Lower health insurance premiums: HMO instead of standard

Finally, the insurance model is an option to save. As a rule, most use the "Standard" model. But that's the most expensive. With HMO (Health Maintenance Organization),? Telemedicine? or? family doctor? save up to 15 percent. 

That is a few hundred francs a year. The medical care is not worse, but is initially limited to a hotline or a selected family doctor.

Further options for lowering the health insurance premium

You will find even more savings ideas. Do you have children? Some insurers offer discounts from the second or third child. You save up to 90 percent. Do you have a job? Then you can do without accident cover, because your employer pays for eight hours of work per week. 

Supplementary insurance also promises savings potential, especially since you do not have to take it out from the same insurer as the statutory basic insurance.

A change in health insurance: what to do if all measures fail?

If all attempts fail, switching to a different health insurance company is highly recommended. But this measure is also associated with some effort. In addition, policyholders should bear in mind that inexpensive health insurance companies offer the premiums so cheap in part because there is a lack of benefits. 

Conversely, this does not mean that expensive health insurance companies pay for all services. In general, changing the till is associated with high administrative effort. This effort increases even more if additional insurance should remain with the previous health insurance company. 

Therefore, it makes sense to examine savings options in a first step. However, it is then also important that you are satisfied with the services provided by your health insurance company. If not, you can consider switching. 

Conclusion

You can find enough ways to lower your health insurance premiums. You only need one Start health insurance comparison!

It's worth comparing! Now here click and lower your costs!

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5 mistakes that you have to avoid when concluding a new health insurance

5 mistakes that you have to avoid when concluding a new health insurance

Tired of paying higher health insurance premiums every year? Then it's time for a change. No joke: you can easily save CHF 1,000 a year. But be careful, avoid these five mistakes!

Are you flirting with changing your health insurance? This is a good idea, as you can save several hundred francs in this way. In the best case, 1,000 francs and more are possible. 

If you take the time to compare services, offers and discounts. Speaking of which, the first mistake could not be compared. In general, you should avoid these five mistakes when changing your health insurance:

    1. Don't compare enough,
    2. choose wrong franchise,
    3. only have an eye on the premium,
    4. Neglect discounts,
    5. only consider the same provider.

Change health insurance: No comparison

Mistake number one: You make no comparison and therefore give away cash. Take a look around and use online comparisons. You can find the cheapest providers in your region with just a few clicks. 

Thanks to the statutory basic insurance, the benefits of the health insurance companies are the same. For you as the insured, this makes the comparison all the easier, because the health insurers hardly show any differences in benefits. These only appear in the supplementary insurance and in the franchise.

Change health insurance: wrong franchise

The franchise is therefore point two. With the right franchise, you can save hundreds of francs next year. 

The basic rule is simple: the higher you choose the franchise - 300 to 2,500 francs are possible for adults from the age of 26 - the more discounts the insurers usually grant. 

But the franchise has its pitfalls. If you are rarely sick, a higher contribution is worthwhile, since you save premiums with the higher franchise. 

On the other hand, if you are sick more often or even chronically, a low franchise is better, because you pay less for treatments and medication. It is important to calculate here.

Change health insurance: only the premiums at a glance

 Important: Don't just look at the lowest possible health insurance premiums. Keyword franchise. In the worst case, you will lack important additional benefits, which can be taken vengeance later, namely in the event of an illness. 

For example, it is generally not a good idea to save money on dental insurance. Do not cancel services that make sense or are even necessary. Options such as a single bed room or treatment by the chief doctor are a different topic, as is accident coverage. 

If you work for the same employer more than eight hours a week, you must have accident insurance. You can confidently save these costs.

Change health insurance: discounts not used

Another nasty mistake: discounts not perceived. Use what's possible. Say:

    • Family discounts
    • Multi-year contract,
    • Collective agreement
    • Hospital coverage etc.

You save what you can save.

Change health insurance: one or two providers?

Finally, it is important to consider whether you should take out basic insurance and supplementary insurance with the same or different providers. 

Some insurers like SWICA reward the combination with lower health insurance premiums. However, it is also possible that you pay less with two different providers. Again, it is important to compare and calculate.

Don't leave out any important aspects

In general, you will lose a lot of cash in the long run if you choose to offer false health insurance. You should therefore avoid paying higher premiums for the same service. Do you have any doubts about the price-performance ratio of a savings model? 

These doubts are completely unfounded with a reputable reputable health insurance company. That is why offers such as so-called family doctor, Telmed or HMO models are also quite interesting options with high savings potential. 

You should also avoid taking out double accident insurance. If you are employed by an employer for at least eight hours a week, you are already insured against accidents through this position. Pay attention to special features like this, you can save a lot of money permanently.

Conclusion: You can save a lot of money with a new health insurance company. Nevertheless, you should weigh carefully and above all avoid the five mistakes mentioned. A health insurance comparison will help you here.

It's worth comparing! Now here click and find the best health insurance!

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These are the top health insurance companies in Switzerland!

These are the health insurance companies with the best ratings in Switzerland!

Are you looking for the best Swiss health insurance companies in Switzerland? The magazine K-Tipp got to the bottom of the question and therefore asked the health insured about their satisfaction. First finding: around 60 percent of the Swiss are extremely satisfied with their insurance.

Another third, however, is only? Pretty? satisfied, because there was criticism. The insured person was particularly annoyed:

    • Invoices paid too late or not at all,
    • annoying and annoying Inquiries from the cash register,
    • too much bureaucracy as well
    • administrative problems.

The best Swiss health insurance companies: SWICA takes first place

First place in terms of customer satisfaction was SWICA, which came in second last year? behind the competition from Sanitas. Sanitas only lost a few percentage points in terms of customer satisfaction, but this time it was only enough for second place in the ranking Health insurance comparison Switzerland. The top 5 according to K-Tipp are as follows:

    1. SWICA (76.7 %)
    2. Sanitas (74.7 %)
    3. Concordia (65.9 %)
    4. KPT / CPT (64.3 %)
    5. CSS (63.9 %)

The top health insurance companies in Switzerland: different tests, same winners

The tests of others give a very similar picture. For example, a 2018 survey by Comparis together with market researchers from GFK. A good 2,100 customers voted SWICA first in terms of satisfaction. However, in this test, the fund was on par with the competition from Sanitas and other insurers. All of them received a grade of 5.3, making them the best-rated Swiss health insurers. The specific ranking in Health insurance comparison Switzerland from Comparis and GFK looked like this:

    1. SWICA, Sanitas, Sana24, Agrisano, KPT / CPT, Concordia: 5.3
    2. ÖKK, Progrès: 5.2
    3. Atupri, Helsana, EGK, CSS, Sympany, Visana: 5.1
    4. Arcosana, Easy Sana, intras: 5.0

However, the test seems less representative than that of K-Tipp. On the one hand, 2,100 respondents are not too many, on the other hand, only 23 health insurance companies were tested. Of these, a total of 14 registers ended up in the top 3? well over half. The narrow gap also shows that there are no real differences between SWICA in first place and Helsana in third place.

The best Swiss health insurance companies according to bonus.ch

A test from bonus.ch in 2018 was also quite similar. A good 1,500 participants named the quartet SWICA, Sanitas, Visana and Agrisano as the winners of the survey “best” for customer satisfaction with a grade of 5.2 each Health insurance Switzerland?, whereby it was again quite tight and the runner-up got a grade of 5.1. This second place was also shared by a quartet at bonus.ch: Acrosana, Atupri, Helsana and KPT / CPT.

Interesting: Sanitas achieved first place in the customer service category with a score of 5.2. Agrisano, in turn, won the category processing of services with a grade of 5.4. On the other hand, a trio again triumphed in the execution of the contract. Customers rated Agrisano, Sanitas and SWICA with a score of 5.2.

Conclusion: The top-rated Swiss health insurance companies are primarily the larger insurers.

Nevertheless, big does not have to mean good for the individual. On the contrary, it is worth taking a look at the prices and additional services. The basic insurance is known to be the same for all Swiss insurance companies.

Which categories do customers rate particularly well?

A look at current surveys shows that there is a slight downward trend in customer satisfaction. Because although most customers are quite satisfied with the service, the price-performance ratio is criticized. Possible causes for this change are the steadily increasing premium increases, which increasingly annoy insured persons. 

In addition, current survey results show that residents of French-speaking Switzerland are significantly more dissatisfied with health insurance than the German-speaking Swiss are with their statutory health insurance.
Find out more about health insurance premiums by canton here. While insured persons in French-speaking Switzerland rate general satisfaction with 7.2 out of 10 points, residents of German-speaking Switzerland give a total of 7.9 points. Find out more about Health insurance premiums by canton.

You can only find the top health insurance in Switzerland with a detailed comparison of the health insurance! Get started now!

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Attention families: These are the best health insurance for families

Attention families: These are the best health insurance for families

In contrast to Germany, for example, children are to be insured individually and therefore separately, and family insurance is not known in Switzerland. Nevertheless, there are cash registers that lure with special offers and discounts.

The Swiss system is different

In theory, father, mother and children could be insured with different insurance companies. In practice, however, this is somewhat cumbersome. The fact is: children must have health insurance no later than three months after their birth. 

As the first few months can be quite hectic, especially after the birth, it is worth registering children with a health insurance company before they are born. Especially since you can (and usually) take out supplementary insurance without the child's state of health being verifiable. This may not be possible later.

Tip: Definitely take out dental insurance. Teeth corrections are not uncommon in children - and can be expensive.

How you can save on family insurance

After all, insurers provide children with basic statutory insurance at significantly reduced premiums. From there, the large insurance companies such as SWICA or Helsana offer special family tariffs with a discount. 

Some health insurance companies also offer specific family discounts on supplementary insurance. Still other health insurance companies offer a kind of graduation. From the second child there is a discount, for the third child too - up to 18 years of course. Discounts from the second child are available, for example:

    • Assura
    • Compact
    • Sanitas

From the third child on:

    • SWICA
    • Helsana
    • Agrisano
    • Aquilana
    • Concordia
    • ÖKK
    • Progrès
    • Provita
    • Rhenusana
    • Sana24
    • SLKK
    • Sodalis
    • Visana
    • Viva Care
    • several smaller insurers

In addition to children, many insurers also offer cheaper premiums to young adults up to the age of 25. A comparison is definitely worthwhile, especially since you can also save with the franchise and another insurance model (HMO, family doctor, helmets). No matter whether with your own bonus or with that of your children.

Family insurance: differences in benefits and costs

Because the co-insurance of children in Switzerland is not subject to any legal regulation, there are sometimes big differences from health insurance to health insurance. In terms of both performance and costs. 

Nevertheless, care should be taken: Cheap premiums are easy on the wallet, but in the worst case they miss important services. From there, many are overwhelmed, especially with supplementary insurance. The help of an expert who is familiar with the topic is therefore often worthwhile here.

Overview of important services

There is no general statement about which services health insurance companies offer for families. Nevertheless, policyholders benefit from a wide range of offers, from which customers can choose preferred services. 

For example, some insurance companies have included offers in their program that promise particularly attractive premiums for children. Some providers even offer childcare. This service is designed to relieve parents. 

The contact persons also support affected parents in quickly organizing childcare if necessary. In some cases, it is possible to agree provisions for capital in the event of death. In this case, survivors and lenders are efficiently insured. 

Conclusion

A general answer to the question of the best health insurance for families is actually not possible. Here too much depends on the needs of the individual families and on top of that of the individual family members. You cannot avoid a comparison. 

You will find special family insurances, especially with the large health insurance companies such as SWICA, Sanitas, Helsana, Compact or Agrisano. Some of these offer discounts of up to 90 percent on the insurance premium for family members. 

Nevertheless, you should also take a look at the small, sometimes only regional, health insurance companies. It is possible that even a small till attracts with a special offer for families or discounts.

Your family is great! Compare too! Now the perfect health insurance with the health insurance comparison Find!

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Why are health insurance premiums rising at all?

Why are health insurance premiums rising at all?

It's the same every year: health insurance is getting more expensive. In 2019, health insurance premiums rose by an average of 1.5 percent. But why are the premiums rising at all?

Admittedly, the 2019 premium for health insurance premiums of 1.5 percent was rather low compared to previous years (around 4.0 percent). But: Depending on the region, the 2019 surcharge is sometimes over three or four percent. The following cantons are examples:

    • Law (3.7 %)
    • Ticino (4.0 %)
    • Neuchâtel (4.4 %)
    • Valais (4.6 %)

The 2019 markings in brackets speak volumes. On the other hand, you were lucky as residents of the cantons of Uri or Appenzell Innerrhoden, where the inflation rate was only 0.3 and 0.2 percent, respectively.

Why are health insurance premiums rising now?

The question of why health insurance premiums are now rising steadily has not been answered. The cash registers themselves list different reasons. According to Helsana insurance, the rising costs are to blame. For example by:

    • medical advances,
    • technical progress,
    • new (expensive) drugs,
    • the progressive aging of society,
    • the increasing life expectancy,
    • rising claims of the insured.

The reasons are quite plausible. Because pure logic proves the explanations of Helsana. Every visit to the doctor, every medication taken, every operation increases the costs. We are therefore our own cost driver and pay the rising rising service costs with higher premiums. Sounds bad, but it's a fact.

Where do our health insurance premiums go?

What is interesting is what happens to our rewards. Say: where these flow. Helsana also reveals this quite conclusively - including numbers. According to this, the Swiss healthcare system cost a total of CHF 32.8 billion in 2016.

    • CHF 31.5 billion was due for medical services
    • The insured paid basic insurance of CHF 28.7 billion
    • The insured paid CHF 4.3 billion for the franchise, deductible and share in hospital costs

The Helsana also used a small diagram to show where most of the money went. Namely in:

    1. Doctor visits (22%)
    2. Hospital stationary (21%)
    3. Outpatient hospital and medication (17% each)
    4. Others including laboratory and physio: 11%
    5. Nursing home and Spitex: 8%
    6. Operating costs: 4%


How you can lower your health insurance premiums

It seems extremely unlikely that the premiums will fall again sometime. On the contrary: The steady increase in recent years is likely to continue over the next few years. The question remains, how can you lower your health insurance premiums yourself? You can. In fact, you can even save up to CHF 1,000 a year. You will find some saving options right away. For example with

    • an alternative till model

With the family doctor, telemedicine or HMO models you get a discount of up to 15 percent. Something comes together over the year.

    • a higher franchise

With a higher deductible, the insurers usually grant you a cheaper premium. That quickly makes a few hundred francs a year.

    • accident insurance

If you work for the same employer for at least eight hours a week, they must have accident insurance. You can save the costs accordingly.

    • supplementary insurance

Here you can save with family discounts, a multi-year or collective contract (association). Hospital coverage also offers potential with a higher franchise.

How do insureds share in health costs?

With regard to the amount of the franchise costs, you as the policyholder can choose between franchise levels of around CHF 300 to CHF 2,500. As an insured person, you pay these costs out of your own pocket. In return, you have to pay a lower premium if you choose a higher franchise. 

In addition, you contribute to the health costs of the policies through the deductible. Once you have reached the franchise of your choice, the deductible amounts to a maximum of CHF 700 per calendar year. From the age of 26 you have to expect an additional cost of CHF 15 per day for a hospital stay. 

It's worth comparing! One Carry out a health insurance comparison and save over CHF 1,000!

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