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!
