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Can I change health insurance during pregnancy?

Can I change health insurance during pregnancy?

A lot changes in the life of a pregnant woman with a pregnancy and a baby. The anticipation is enormous: Not only should the living conditions be optimally planned for the baby, the color of the wall has to be decided and the first onesie are in the drawer, but also a few visits to the doctor are now part of the program. 

It is not without reason that many pregnant women are confused as to whether it is possible to change health insurance during pregnancy.

Requirements for a change in pregnancy

Basically, the basic insurance can be terminated during pregnancy without any further problems. The requirements for a change in pregnancy are the same as for a normal change:

  • There must be no outstanding premiums or invoices.
  • The notice period until November 30 must be registered. (Attention: The actual receipt applies, not the postmark!)

Pregnancy is not an illness

Many women have uncertainties about the franchise choice. But here it is very clear: pregnancy is not an illness and all medical benefits during pregnancy are covered by the compulsory basic insurance. Women without health problems can therefore choose the franchise with CHF 2,500, as they are not affected by pregnancy.

Use family discounts

There are no family discounts for primary care, but the unborn child can be registered with the health insurance company. It does not matter whether the father of the children is registered with the same health insurance as the mother and the child. As every year, a premium comparison is worthwhile for every Swiss citizen.

The supplementary insurances are however provided with family discounts. Many health insurance companies offer discounts if several children are insured with one health insurance fund and again if the parents are registered with the same insurer.

Note the waiting period

With supplementary insurance, however, the situation is different from that with basic insurance: if the mother wants to use the corresponding additional benefits for birth and pregnancy, she may no longer change the supplementary insurance. There is a waiting period of nine to twelve months for maternity benefits.

What benefits do health insurance providers offer during pregnancy?

Basic insurance benefits cover the cost of pregnancy. It is not necessary to take out additional insurance for pregnancy, unless the pregnant woman would like to receive private medical treatment.

Services taken over

possibly not taken over

- control

- birth

- midwife

- hospital

- After consultation

- Breastfeeding advice

- ultrasound

- if there is an increased risk: amniotic fluid examination and placenta examination

- the favorite hospital or birthplace

- preparatory courses that are not conducted by midwives

From the 13th week of pregnancy, the costs associated with pregnancy are borne, but if complications arise until then, they are considered to be an illness before the checkout. As with a normal illness, the pregnant woman must contribute to the costs.

From the 13th week onwards, all other costs will be paid without deductible, deductible or hospital contribution.

New regulation: More trisomy blood tests for mother and child

For some time now, health insurance companies have also covered the cost of blood tests for pregnant women under certain conditions. These tests are intended to indicate whether the fetus has trisomy 21 - the so-called Down syndrome. 

Since Swiss health insurers have made this offer available, more and more women across the country are using it. The Federal Office of Public Health hopes that this measure will reduce the number of invasive examinations thanks to the tests. 

Finally, the amniotic fluid tests automatically lead to premature or miscarriage in one percent of all cases. This rate must be minimized. 

Conclusion

The basic insurance can be changed during pregnancy without any further problems, because the following applies: pregnancy is not a disease and is no longer treated as of the 13th week. 

Depending on the insurer, pregnant women must observe the corresponding waiting periods for additional benefits and, if necessary, no longer change providers. 

It is also advisable to study and use the family discounts, as all family members can benefit financially from the discounts.

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10 tips for changing health insurance in 2020

10 tips for changing health insurance in 2020

Although the premium increase of just 1.2% was relatively low in 2019, it is still worth comparing the health insurance companies this year, because the savings potential is unbroken. You can find out which 10 tips you can save particularly well in the following article.

1. Be aware of your rights

The basic insurance for the Swiss is with everyone Health insurance right away. It covers all statutory medical services. Therefore, regardless of your health status, you will be admitted to any health insurance company. Prerequisite: You adhere to the notice period.

2. Note notice period!

basic health insurance

November 30 (last working day)

supplementary

usually September 30th

You should send cancellations by registered mail, as only timely receipt can lead to a legally valid cancellation.

3. Compare, but correct

To find out which health insurance is the cheapest for your region, you have to use a comparison calculator. Make absolutely sure that you use a neutral computer, otherwise you base your decision on the data you have bought. Always combine the results with the information on the pages of the individual health insurance companies.

4. Consider switching even if you are ill

Even if you suffer from a chronic illness, the health insurance companies are legally obliged to guarantee you basic insurance. Take out a policy with the lowest franchise level of CHF 300 if you are going to have expensive treatments in 2019.

5. Change from standard model to alternative model

Without a change of health insurance, insured persons can sometimes save 40% of the premium if you increase the franchise amount to the maximum amount of CHF 2,500 and switch from the standard model to an alternative insurance model. Ask your health insurance company.

6. Register the whole family with an insurer

Although group discounts are prohibited in Switzerland, it is worth taking a look at the child premiums, because the premium levels are graded according to three age groups.

    1. children
    2. young adults up to 26
    3. Adults from 26

Discounts increase with several children and there are also many family discounts with supplementary insurance.

7. Pay insurance premiums annually instead of monthly

A savings option that fewer Swiss people use: Many health insurance companies offer a discount for once or twice a year premium payments that are higher than interest on a savings account. If you can afford to pay not every month but every six months, or for the whole year at once, you should accept this savings offer.

8. Premium reduction

The canton and the income from the tax return are decisive for the premium reduction. Check this by contacting your cantonal tax administration. Around two million Swiss nationals are already taking advantage of these premium reductions.

9. Check additional insurance

Supplementary insurance should be applied for and taken out in good health, as the insurers are not obliged to take you on. A look at a Flex product can also be useful to be flexible when changing in later years. Find out from your insurers at an early stage.

10. Check other discount options

For many people there is the possibility to claim a company, association, club or community discount for supplementary insurance. It is helpful to check memberships and offers. The discounts vary and offer enormous savings potential, since they can be concluded without a new health check.

There are many ways to help you save money when you switch to health insurance. For example, if you are employed by a single employer for more than eight hours a week, you can have your accident costs covered by your employer. 

Small details like this offer you enough savings. You should also keep in mind that the medical benefits for basic insurance in Switzerland are all required by law. Accordingly, in case of doubt, you can also choose an insurance company from which you can obtain the services at favorable conditions. 

If you heed tips like this, switching to another insurance company certainly offers great savings potential. 

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Swap health data for premium discounts?

Swap health data for premium discounts? What that means and what you should know about it

In principle, exchanging your own health data for premium discounts can offer you some advantages.

What exactly is health data?

Health data is generally understood to mean all data that can provide information about a person's state of health. The state of health itself is of course composed of many different numbers and values - but some health data are particularly present in everyday life and easy to track. The physical condition or physical load can be determined in particular by the following aids:

    • Heart Rate Monitor
    • Pedometer
    • Watches
    • Smartphones / apps

The smartphone in particular is our constant companion these days. It may not be suitable for measuring internal values such as blood pressure or blood values - however, the steps in particular can be counted and tracked without any problems. 

Further values can be derived from this. For example, the approximate calorie consumption, general fitness and even a rough quality of heart activity. These conclusions about the state of health make the health data attractive for health insurance companies. 

Some supplementary health insurance schemes are already interested in this in Switzerland. The reasons for this are simple: A good overview of a person's current health and a prognosis for possible later visits to a doctor and Co.

What premium discounts are possible?

Some Swiss health insurance companies offer premium discounts for the transmission of health data. In addition to the previously mentioned everyday measuring devices, these health insurance companies also provide their own health monitoring devices. 

That sounds intimidating at first, but it can be really worthwhile for the Swiss - the premium discounts are paid out and transferred to the account.

Exchange health data for premium discounts: these are the advantages and disadvantages

Whether you should exchange your health data for premium discounts is primarily a moral and ethical discussion or decision. 

Of course, every Swiss citizen has the right to the protection of personal data and the right to informational self-determination. This means that every person can decide for themselves who or how or even against what? he passes on his data. 

It is important that this happens voluntarily. As in all areas of life, the following also applies here: Beware of peer pressure !? The more people voluntarily pass on their data, the more normal the optional process becomes and at some point a demanding basic attitude can arise, which puts pressure on those who refuse to do so. exercises.

We have summarized further advantages and disadvantages for you in a simple overview:

benefits

disadvantage

Bonus discounts in the form of payouts

Submission of personal information

own awareness of the state of health

Uncertainty about how health data will be used with upcoming technology

no additional effort

Feeling of surveillance

Disclosure to patients with high risk factors

Data protection is particularly important with this concept

Health care providers must follow strict guidelines on how they can handle health data. For example, it is particularly important to exchange confidential medical information only in encrypted form over secure connections. 

The intention behind this is to always be able to trace back which person transmitted the data at what time and for what purpose. Doctors assume a large part of the responsibility. 

Doctors are obliged to inform their patients about the use of apps and wearables. In addition, it is the duty of doctors to inform their patients about the scope, nature and purpose of the use of the data. 

Our neotralo.ch conclusion: You should know that!

In principle, exchanging your own health data for premium discounts can offer you some advantages. Those who had not previously paid attention to their health values could now become more aware of them and pay more attention to improvements in everyday health and fitness. 

Apart from that, financial relief through premium discounts is always welcome. 

Our neotralo.ch note: Be aware that you are sharing very personal and detailed information about your health. Make sure in advance how exactly and when your health data will be used and processed by health insurance companies and the like.

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Change health insurance: What you need to consider when changing health insurance

Change health insurance: What you need to consider when changing health insurance

The health insurance premiums change every year, sometimes even during the current year. So if you want to save a few francs, you can do so every year: Insofar as the notice period is given, insured persons can switch to another health insurance fund at the end of the year and save up to 1000 francs. 

Did you know: neotralo.ch takes care of your health insurance change for you! You save a lot of time and money.

First step: termination!

In order to be able to change health insurance, you must first cancel in writing, observing the notice period. Attention: The decisive factor is the arrival of the cancellation at the insurance company, not the postmark. The notice of termination must be received no later than November 30 (last working day in November).

2. Registration with the new health insurance company

Using a comparison of health insurance premiums, you can find out which health insurance company is the cheapest for your place of residence. If you have chosen one, send a registration to the chosen cash register, preferably by registered mail.

In any case, you should note that you only cancel the basic insurance if you have to keep your supplementary insurance. Otherwise you may have canceled the entire policy with the cancellation.

3. No confirmation received - and now?

You canceled on time and still did not receive confirmation from the cash register. Those affected can be without worries, because you are insured even without a written confirmation from the new health insurer. For security, you can ask or ask for confirmation.

The new health insurance company is legally obliged to report to the old insurance company that you have a new insurer. In doing so, it proves that you are insured as a new customer without interrupted insurance cover.

The prerequisite is that there are no open premium claims at the old fund.

4. Only cancel supplementary insurance

Even if you only want to cancel your supplementary insurance and want to keep the basic insurance with your old provider, you must also cancel in writing. Differentiate between these between supplementary hospital insurance and outpatient supplementary insurance.

hospital insurance

additional outpatient insurance

Assumption of costs for inpatient stay

drugs

alternative treatments

dentures cost

Treatments abroad

The notice period for supplementary insurance is longer than for basic insurance and is usually three months. The cancellation must be received by September 30th to be effective December 30th.

Before signing up, consider whether you are contractually bound to an insurer for longer than the average year. This should affect your decision.

5. When are the awards communicated?

For most people who change, the level of health insurance premiums is the decisive factor in the decision. The insurers must therefore report by October 31 how high they will be next year. He is also legally obliged to inform you of your right of termination.

How to proceed with the termination if a premium increase is due:

    1. Comparison of Swiss health insurance companies in terms of benefits and premium amount using a health insurance comparisons.
    2. Request an offer.
    3. Decide which supplementary insurance policies you want to change and keep.
    4. Note notice period.
    5. Do not cancel until you have received confirmation of admission from the new fund.
    6. Cancel by registered letter and cancellation form by September 30th or November 30th.

6. Is there a special right of termination for a change of health insurance?

If a health insurance company adjusts its premiums upwards, the institution must inform its policyholders in writing about this increase in costs and about the option of changing health insurance companies. Insured persons must receive this information around two months before the premium increases. 

The policyholders are then entitled to a special termination right with a notice period of a maximum of one month. Insured persons can apply for this change until the last day of the previous month before the new premiums come into force. 

In practice, however, insured persons can rarely make use of the special right of termination. Experience shows that most insurance companies prefer to adjust premiums only at the turn of the year. 

Conclusion: preparation and care is everything

In conclusion, it can be said that an annual change of the basic insurance is almost always financially worthwhile, and it is also advisable to keep a close eye on supplementary insurance.

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Will health insurance premiums rise by 3 percent in 2020?

Will the premiums for health insurance companies increase by 3 percent in 2020?

Many Swiss are right to ask to what extent health insurance premiums will rise in 2020. Since the big premium shock did not materialize in 2019 and persisted at a percentage of 1.2 %, the Swiss hope for the best.

In fact, the premium of 1.2 % replaces the standard premium and thus replaces annual increases of around 3.5 % (since 2008). Since the values of 2018 and 2019 are therefore less easy to compare, the question arises whether the premiums of the health insurance companies will again increase by 3 % next year.

Why are there health premiums in Switzerland?

Since according to the Swiss health system, people living in Switzerland must take out mandatory basic insurance, they have to pay a monthly premium. The health insurance companies adjust these premiums annually to the following year, which means that insured persons have the right to switch to a cheaper provider at the end of the year. Therefore, towards the end of the year it is worthwhile for everyone Comparison of health insurance companies in Switzerland.

However, these premiums must not be set arbitrarily, but must be approved by the Federal Office of Public Health (BAG).

To determine the amount of the premium, it is necessary that the Swiss health insurance companies disclose their forecasts and finances. Only then can the FOPH determine the economic viability of the health insurance company.

What happens to the rewards?

The individual cantons of Switzerland are to be assessed as individual premium regions, which is why each canton has to post its own premium increase. The individual situation of each health insurance company is taken into account, including regional differences with regard to the insured. The Swiss health insurance companies use the premiums to finance the services they provide.

Benefits financed by health insurance premiums:

 

  • Administrative expenses,
  • Salaries of employees
  • Accruals.

For more information, the BAG has an information sheet on the subject of what happens to the premiums? created.

Increase in premiums compared to that of health insurance companies

Due to demographic change and medical and technical progress, the average cost of the premiums will continue to rise. The medical services are also increasing in volume, for which the FOPH cannot determine any medical reason.

The Santésuisse health insurance association recently announced an outlook for cost growth in the Swiss healthcare system of around 3 %. Even an increase of 5 % has been loud in some areas.

According to Santésuisse, however, the health insurance premiums will rise less. Where there was a 1.2 % increase in 2019, it will probably not exceed 3 % increase in the next year, although an increase will be noticeable. The reason for this are the reserves that health insurance companies have created in recent years.

2018

2019

2020

1%

1,2%

less than 3%

Outlook: countermeasures and savings proposals

The calls for countermeasures to the ever increasing costs for health insurance for the insured are louder than ever. There are suggestions, but implementation is the real problem, said Santésuisse director Verena Nold in Bern recently. The suggestions include lower sales margins and a reference price system.

An annual comparison of drug prices between abroad and Switzerland is also required. The suggestion that patients could order medicines more cheaply abroad and have the costs reimbursed by the Swiss health insurances was not pursued. Although the premiums will increase by less than 3 % in 2020, increases of 5 % to 6 % can be expected in areas such as physiotherapy and Spitex.

Conclusion

It has been confirmed that the increase in the cost of Health insurance premiums 2020 has nowhere near reached the 3 percent mark. On the contrary: on average, the premiums for health insurance only rose by 0.2 percent. However, considerable differences were found between individual cantons. 

One of the most important reasons for this tendency is the different constellation of the state of health and the local age structure of the population. As a result, residents of the cantons of Basel, Geneva and Vaud are asked to pay the most. 

In contrast, the premiums are lowest in Uri, Nidwalden and Appenzell Innerrhoden. In general, the average premium is reduced in a total of ten cantons from Switzerland. 

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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. 

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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.

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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.

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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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