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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.

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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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That is what basic insurance and the appropriate supplementary insurance for glasses and contact lenses pay

That is what basic insurance and the appropriate supplementary insurance for glasses and contact lenses in Switzerland pay

The health insurance system in Switzerland makes clear distinctions between necessary health care and treatment due to illness and aesthetic and comfortable aids and operations to improve the quality of life. 

This also applies to the optimization of eyesight and additional payments for contact lenses and glasses. These benefits are often not covered by basic insurance and must be paid by yourself.

Basic insurance in Switzerland only covers the costs of treatments for and for the eyes in some medically related cases.

Basic insurance is only willing to pay an additional payment of CHF 180 per eye once a year if there are proven visual impairments due to previous illnesses such as clouding of the eye lens, diabetes, glaucoma and eye muscle disorders. 

For children who need glasses at an early age, the health insurance of the health insurers up to the age of 18 also covers additional payments for glasses. The patient generally has to pay all other costs himself. 

This can quickly lead to high financial burdens and if you are not sure whether you can pay a large amount all at once, you have the option of taking out additional insurance.

Supplementary insurance for visual aids is worthwhile in Switzerland depending on your individual financial situation.

For less than CHF 10 a month, you can take out additional insurance for glasses, contact lenses and other eye care in Switzerland. If you think about having your eyes lasered, for example, additional insurance can be worthwhile. 

The costs for this can often not be paid all at once and smaller monthly contributions for the additional insurance are easier to find. Supplementary insurance also only ever pays a fixed rate for visual aids. If your monthly premium payment is CHF 10, you will therefore pay an annual contribution of CHF 120. 

There is cheap glasses once a year from the supplementary insurance for CHF 150. This would have saved them almost CHF 30. Supplementary insurance sometimes also has a term stipulated in the contract or only pays for a more expensive pair of glasses every 3 years. 

Therefore, you should decide individually according to your needs whether this additional insurance is worthwhile for you or not. 

Please also note that all care products for glasses and contact lenses are not covered by the scope of the supplementary insurance. Benefits and premiums for supplementary insurance in Switzerland can also be very different.

Are supplementary insurance for visual aids worthwhile in individual cases or not?

The extent to which supplementary insurance for glasses and contact lenses is recommended in individual cases is difficult to answer in general. A decisive role in answering this question is the desired glasses model or the interest in further services. 

The general insurance situation is also crucial. Finally, policyholders should definitely avoid overinsuring themselves and investing unnecessarily a lot of money in policies. If in doubt, it is helpful to consult an expert. These specialists are well informed about the market and therefore adjust the right insurance cover. 

Conclusion

Those who are well informed can rest assured that they are optimally insured in the event of an emergency!

Before you decide on additional insurance, you should definitely compare the benefits and premiums thoroughly and professionally. At neotralo.ch you can find out whether the existing benefits in addition to the basic insurance are interesting for you and how much money you can actually save.

Find out how often cost sharing is granted and whether there are deadlines before you can claim supplementary insurance in Switzerland! 

If you are often traveling abroad, it can also be important whether the supplementary insurance also subsidizes visual aids that were purchased abroad and, above all, for how long the insurance contract was concluded and also applies.

The right health insurance and additional insurance for glasses and contact lenses, with our Health insurance comparison Switzerland Find!

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These are the 3 possible health insurance models for you in Switzerland

These are the 3 possible health insurance models for you in Switzerland.

The different health insurance companies in Switzerland insure you in 3 different models. 

You can choose which health insurance model you want to be insured under. The family doctor model, the HMO model and the Telmed model wait for different advantages.

Before you decide on a model, you should find out which one fits your own needs perfectly.

Here we present the 3 variants of the models that are supported by the health insurance companies in Switzerland.

The family doctor model:

As the name suggests, the family doctor model is based on cooperation with family doctors in your respective canton. There you can select a family doctor and undertake to consult this doctor first in the event of illness, in the medical case and also for upcoming examinations.

Your family doctor will then refer you to the required specialists such as an oncologist, a surgeon, a hematologist or a neurologist. If there is a medical emergency and your family doctor is not located nearby, you have the right to see a general practitioner who can help you immediately.

However, according to the rules, preventive examinations such as those at the ophthalmologist and gynecologist are excluded. Here you are completely free to choose and you have the opportunity to consult another doctor you trust.

The Telmed model:

This model offers some advantages especially for families. If you have health problems, you can contact a designated advice center at any time of the day or night. You will receive expert advice from medical professionals at all times and you can be helped immediately.

If necessary, refer the advisor to a suitable doctor. The Telmed model saves a lot of premiums on small matters and also the way to the doctor. Of course, it does not provide a replacement for a necessary visit to a specialist and is only a good addition to medical care.

In general, you must first contact your counseling center so that the participating health insurance company pays all costs. In an emergency, of course, the rules of this model do not apply. Here, minutes can be vital and you must immediately consult a specialist.

Preventive examinations by an ophthalmologist and gynecologist are also excluded in the Telmed model.

The HMO model: 

This model works with the created health centers. You always commit to go to the center preferred by your health insurance company.

General practitioners, physiotherapists, nutritionists and isolated gynecologists are united in one medical center. As with the family doctor model, you also have to contact the general practice of various specialists and will be treated by the participating doctors.

The health insurance then pays for all applications and your medical care.

The relevant health insurance companies in Switzerland will provide you with all information on the individual models. Depending on where you live, there are numerous cash registers that can create various offers for you on request.

Special models: a brief overview

In addition to these widespread savings models, individual health insurance companies offer various other options.

One example is the so-called pharmacy model, in which a pharmacy takes on the gatekeeper function of the family doctor (see family doctor model). This model provides, for example, that customers of health insurance companies only need to purchase medicines from certain pharmacies and that they have to make payments using prescribed methods.

On the other hand, those who opt for the bonus model do not take advantage of basic insurance and will pay less premiums for it next year.

In addition, some health insurance companies offer discounts on supplementary insurance. Policyholders are also free to combine several models. This option exists among other things for Telmed and family doctor models.

Conclusion

Depending on your needs, choose one of these models and find the right health insurance for you.

Read here 10 tips on how to change your health insurance in Switzerland.Read 10 tips on how to change your health insurance here Change health insurance in Switzerland.

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What you need to consider as an immigrant in Switzerland

What you have to consider as an immigrant in Switzerland!

The insurance law for immigrants from Germany differs from that of cross-border commuters in Switzerland.

For many Germans, Switzerland is still an attractive country for emigrants. In a country other than your home country, you should insure your health as good as possible so that you can work and live there without worry.

Switzerland offers its new residents complete protection of basic insurance and options for the necessary supplementary insurance. After a stay of 3 months at the latest, these provisions become mandatory.

Insurance is also compulsory for all relatives, with no additional franchise for children and adolescents. You will find the important news below.

The insurance law for immigrants from Germany differs from that of cross-border commuters in Switzerland.

The requirements for cross-border commuters differ significantly from the regulations for German immigrants. Despite the federal insurance system, cross-border commuters with an employment relationship in Switzerland can also choose another insurance option.

If you do not live in Switzerland, Germans can remain insured in Germany and must notify the competent authorities in Switzerland in good time. As a long-term immigrant, you have to register in the compulsory insurance in Switzerland and receive the full basic care, like every Swiss.

Unlike in Germany, in Switzerland you bear all the percentage costs for basic insurance. The employer is exempt from an additional payment. Some supplementary insurance policies from Germany also insure your clients internationally in other European countries.

When choosing the important supplementary insurance in Switzerland, you should inform yourself about all options and also make a well-founded comparison of the benefits and premiums of the health insurance companies in Switzerland.

Also note some special features as an emigrant to Switzerland!

If you are not yet sure whether you will actually stay in Switzerland forever, you can, in consultation with the health authorities of both countries, ensure that German health insurance only rests during your stay in Switzerland.

This makes it easier for you to be re-admitted to a German health insurance company if you return to your home country. The timely conclusion of supplementary insurance is also very important if you are planning treatments in the near future.

This way you avoid high, surprising costs. Dental treatment in particular is not covered by basic insurance in Switzerland. That is why a suitable dental insurance is worthwhile.

Tips

Check and compare the benefits and amounts of the health insurance companies in Germany and Switzerland in good time to find out where you want to conclude the contracts.

Your insurance coverage expires as soon as you leave Germany. To ensure a smooth transition, you must register with the Swiss health insurance company in good time.

There are many differences in Switzerland's healthcare system. For example, you can choose from three different doctor models and the supplementary insurance covers many benefits that are already covered by health insurance in Germany.

With your own contribution, which you have to pay in full in Switzerland, one makes comprehensive health insurance comparison absolutely sense.

You also have to be able to afford the monthly payments. Otherwise there is also the possibility of a premium reduction as financial support in case of doubt.

A reliable health insurance company will always help you and give you comprehensive advice.

Find the best providers: how it works!

Benefits to be provided by the basic insurance are precisely specified in the federal law on health insurance, the KVG. Nevertheless, the premiums at individual health insurance companies differ significantly. 

Immigrants are therefore well advised to obtain offers from several health insurance companies and to compare these offers in detail.  

In Switzerland, health insurance companies are obliged to accept all providers for basic insurance. 

In any case, use a comprehensive one as a decision aid health insurance comparison! 

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Everything about the premium reduction of health insurance companies in Switzerland

Find out everything about the premium reduction of health insurance companies in Switzerland from us.

The right to a premium reduction in Switzerland is clearly regulated.

The health insurance companies raise their premiums regardless of your income and wealth. The premiums can quickly grow over your head and lead to a financial imbalance. 

If you are not one of the high earners in Switzerland, life quickly becomes expensive and there are citizens who cannot afford the full premium of your health insurance. That is why you receive financial support in the relevant case - the so-called premium reduction.

The right to a premium reduction in Switzerland is clearly regulated.

As an insured / insured person in modest economic circumstances, you also have the right to a premium reduction in Switzerland. 

With a legislative decision that came into force in 2014, it was decided that your canton would have to transfer the premium reduction directly to your health insurance if necessary. 

If you receive a small pension from Switzerland in an EU country, your entitlement will be decided in a regulation of the Swiss Federal Council. 

If you receive unemployment insurance support in Switzerland, your canton will regulate all conditions and the appropriate payment modalities. 

Of course, the responsible positions are always based on your personal financial circumstances. There is a separate income table for this in each canton, in which the premium reduction is listed.

The premium reduction varies depending on the canton.

Just as individual as the amount of the premium reduction of the cantons is the amount of the premium reduction within the tax threshold. The amount also depends on the age of the insured. 

Even at the age of 18 and living with the parents, the separate tax factors are used to calculate the premium discount. Babies and newborn babies are entitled to a reduced premium from their parents when they are born.

How to get the premium reduction for your canton

The municipal tax offices use the tax assessment to determine who is entitled to the premium reduction and then report this to the cantons' health insurers. 

A suitable application form will then normally be sent to those affected. You just have to fill it out and send it back. 

An application by self-initiative is only necessary in individual cases. Of course, the parents of children have to do this for their offspring. 

The premium reduction can range from a few hundred francs to several thousand francs a year, depending on the case. The amount will be transferred directly to your health insurance company, who will then adjust the premium accordingly.

What happens when your financial situation improves?

If your economic situation improves, you don't have to pay back too much. After all, an individual premium reduction is not comparable to receiving social assistance. In some cantons, partial reimbursement of social security benefits is required if you receive a larger fortune through events such as inheritances. 

However, this rule does not apply to premium reductions. The only exception is if you received the payments wrongly or if the calculation is incorrect. 

You must adhere to the deadlines for applications for a premium reduction in the cantons that do not automatically check the entitlement to the premium reduction. 

Anyone who misses this deadline can no longer submit an application for the years in question or retrospectively for the whole year. 

A little hint:

Use one professional health insurance comparisonto optimize your premiums. Some health insurance companies offer special insurance models such as the HMO, family doctor and telemed model, where you are guaranteed to save on insurance premiums.

Your health insurance is responsible for the necessary basic care and has an important place in your life. If you are unable to raise the premiums yourself, you are entitled to help. 

Use this and get advice from the health insurance of your choice. A good health insurance company is there for you even in difficult times. 

With an informed health insurance comparison find out which one is right for you personally.

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What you should know about health insurance in Switzerland.

What you should fundamentally know about Swiss health insurance

Compulsory health insurance (also known as Swiss basic insurance) ensures basic medical care for all Swiss citizens.

Life in Switzerland is becoming increasingly interesting for many Germans and citizens of other countries. The economy is booming and social life offers many pleasant benefits. 

The country's attractiveness also includes the reliable and well-proven healthcare system, which is available to all Swiss and immigrants from abroad. 

The health insurances in the basic insurance Switzerland work according to an open competition principle and are nevertheless checked regularly. If you insure yourself accordingly, you are guaranteed to sleep more carefree, because your health is well protected. Here we will briefly show you all the important features of Swiss health insurance.

Basic insurance Switzerland means: Compulsory health insurance is compulsory for every resident of Switzerland.

In the event of illness, during maternity and after an accident, the corresponding health insurance company must pay for all benefits. It is legally obliged to do this in Switzerland. 

At the same time, every health insurance company to which you apply for basic health insurance must approve it without restriction and prior health test.

On average, you pay 14.6 percent for the basic amount in Switzerland. The additional contributions from the statutory health insurers in Switzerland vary between 0.3 and 1.8 percent.

In addition to basic insurance in Switzerland, there is also supplementary insurance

These supplementary insurances cover benefits in Switzerland and abroad that are not covered by the basic Swiss insurance. The health insurance companies in Switzerland offer you numerous and different offers with different benefits and contributions.

The supplementary insurance is divided into the following categories.

The outpatient supplementary insurance:

These cover the costs of outpatient treatment by the doctor, medication and preventive medical check-ups, for example during maternity.

Supplementary hospital insurance:

These insurance policies cover the costs of inpatient stays in clinics and hospitals during treatment.

Dental Insurance:

This insurance is equally worthwhile for children and adults, because the cost of visiting the dentist can quickly become very high.

Special supplementary insurance:

For example, there are insurance policies for nursing care, deaths and disability.

Grenzgänger insurance:

If you are Swiss living abroad and still do not want to do without the compulsory basic insurance in Switzerland, you have the option of continuing to have health insurance in Switzerland within the ETFA countries.

Supplementary insurance for babies and newborns:

There are interesting options here to provide your offspring with perfect care right from the start and to insure them well.

It is also important to note the deductible, the deductible and the three different doctor models in Switzerland.

In Switzerland, you have to pay an own contribution for certain services in the hospital, at the specialist or for some medication. This share of the costs consists of the so-called franchise and a deductible of ten percent.

The deductible is paid once a year and, depending on the amount specified, you decide how much you want to pay yourself, for example in the event of illness. About the so-called HMO, family doctor? and Telmed model, the responsibilities and costs of treatment are regulated in a medical sense.

Conclusion: There is a lot to consider and consider before deciding on suitable health insurance in Switzerland.

Basic service in Switzerland: A brief overview

There are around 90 health insurers throughout Switzerland, but not all of them are at home in all cantons. Some of the largest providers of basic services in Switzerland are listed as follows: 

 

  • CSS (from Lucerne)
  • Helsana (from Dübendorf)
  • Swica (from Winterthur)
  • Concordia (from Lucerne)
  • Visana (from Bern)

Every year, the Federal Office of Public Health publishes a list of health insurance companies that are particularly satisfied with their clientele. Institutions such as Aqualina Versicherung, Agrisano, Swica and Helsana rank in the top places. 

The services offered by these providers for basic insurance in Switzerland do not differ from one another. But the amount of the bonus varies significantly. In addition, it is everyone Health insurance Switzerland free to offer additional interesting options. 

Therefore, use all the factual sources of information available to you and take an independent and professional search health insurance comparison claim!

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What you, as a Swiss resident abroad, need to know about your health insurance.

What you, as a Swiss resident abroad, need to know about your health insurance.

If you choose to reside outside of Switzerland, but within the European Union, you still have the obligation and possibility to remain insured with the health insurance companies in Switzerland.

As a Swiss citizen, do you want to live abroad and permanently move to another country? Of course, one of your first thoughts of insurance coverage for illnesses and appropriate treatments abroad then applies, because nothing is more important than reliable health insurance if you no longer live in Switzerland. 

Before planning your emigration, you should therefore make provisions in good time and inform yourself in detail about all the circumstances. In this blog we will clarify which health insurance regulations apply to you as a Swiss resident abroad.

Outside the EFTA countries, you are not covered by compulsory health insurance.

If you decide to leave the EU entirely, you will leave the insurance catchment area of Switzerland and the EFTA countries. Outside of this area, you generally have to look for an alternative and, if necessary, look for a health insurance policy that ideally insures you worldwide.

If you choose to reside outside of Switzerland, but within the European Union, you still have the obligation and possibility to remain insured with the health insurance companies in Switzerland.

As a cross-border commuter, you benefit from the European Free Trade Association.

The insurance system is regarded by many Swiss and this association makes it possible for you to continue to have health insurance within Switzerland within the EU. The so-called free movement agreement with the EU and the EFTA agreement are based on the principle of place of employment and so you can continue to insure yourself and your family with the Swiss health insurers in their member states.

EFTA member states include:

Belgium, Bulgaria, Denmark, Germany, Estonia, Finland, France, Greece, Ireland, Italy, Croatia, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Austria, Poland, Portugal, Romania, Sweden, Slovakia, Slovenia, Spain, Czech Republic , Hungary, United Kingdom and Cyprus.

The corresponding insurance obligation applies to all cross-border commuters who hold a G pass from the start of work. Accordingly, it ends with the abandonment of the employment relationship.

Caution!

Remember that you have to take out health insurance in Switzerland within 3 months from the day of your stay abroad.

In the 4 directly bordering countries of Switzerland, Swiss nationals living there are entitled to the option right.

Switzerland has made special arrangements with France, Austria, Germany and Italy. These are combined in the declared option right, which gives you the opportunity to take out insurance in these countries if you have become Swiss there. 

If you do not want to continue to take out insurance in Switzerland, you can apply for exemption from the insurance period in Switzerland within 3 months of starting your new job with your foreign employer. 

For cross-border commuters who are insured in France, there is, for example, the? Choix du système d'assurance-Maladie form ?. You must fill this out and have it examined by the Caisse primaire d'assurance-maladie française (CPAM).

It will then be returned to the competent authority in your canton of work in Switzerland. In the event that you want to insure yourself as an emigrant in France, you must send a copy of the form to your old health insurance company so that the insurance relationship is terminated properly.

Regulations around the topic of care services

Anyone who has health insurance in an EU country must generally also be treated in the country of residence. However, if the person concerned is insured in Switzerland or an EU country other than the country of residence, they are also entitled to the same benefits in their country of residence under the same conditions if they were insured with social security in their own country. 

Persons insured in Switzerland and residing in an EU country may insist on the so-called treatment option. As a result, these groups of people can undergo medical treatment either in their country of residence or in Switzerland. The rules for full cost sharing do not differ

Conclusion

Health insurance in Switzerland is a safe option for all Swiss living in the EFTA countries if they are satisfied with the health insurance in Switzerland and feel safe. And here too you can take advantage of the various insurance offers.

On health insurance comparison is definitely worth it for you.

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