According to the Federal Office of Public Health (BAG), the new medium premium (formerly the standard premium) rose by 1.2 percent in 2019? at least on average. In other words, the rate of inflation varied depending on the canton.
However, health insurance contributions went up everywhere. Nevertheless: in the best case, the inflation rate for adults aged 26 and over was below 0.5 percent. For example in:
- Appenzell Inner Rhodes (0.2 %)
- Uri (0.3 %)
In the worst case, the price increases for them Health insurance premiums by canton on the other hand at well over three and even four percent, for example in:
- Law (3.7 %)
- Ticino (4.0 %)
- Neuchâtel (4.4 %)
- Valais (4.6 %)
Large regional differences in the premiums
The highest premiums are more due in other cantons. The top 5 most expensive regions in terms of health insurance premiums are 2019:
- Basel-Stadt: CHF 482.20 (+1.6 %)
- Geneva: 480.30 francs (+2.3 %)
- Vaud: CHF 419.30 (+3.0 %)
- Neuchâtel: CHF 415.20 (+4.4 %)
- Basel-Landschaft: CHF 415.10 (+1.9 %)
You are a winner if you live in the following cantons:
- Appenzell Innerrhoden: CHF 263.9 (+0.2 %)
- Uri: CHF 288.10 (+0.3 %)
- Nidwalden: CHF 292.60 (+3.4 %)
- Train: CHF 298.50 (+1.3 %)
- Obwalden: CHF 303.70 (+2.8 %)
In these cantons, insurers charge the lowest premiums anywhere in Switzerland. A little tip: If you actually pay too high a health insurance premium, moving to Appenzell Innerrhoden, Uri or Nidwalden could be worthwhile.
If you are currently looking for a job and are not afraid to move, you should search in these regions.
How you can save on health insurance costs
From then on, it is worth comparing your current insurer with other health insurance companies, because despite the same benefits? Keyword basic insurance? you can save CHF 1,000 and more a year. You could certainly use the money better, for example for a nice vacation.
But how can you save? There are several points to offer:
- The aforementioned change of your place of residence,
- upgrading your franchise or
- a change to another till model.
As you know, your franchise tells you how much of your own medical costs you have. If you are willing to increase this share, the insurers will be happy to reward you with higher discounts.
Switching to another till model like? HMO? or? family doctor? also brings you a discount of up to 15 percent. This means that a few hundred francs are raised each year.
Health insurance: Accident coverage and children
Incidentally, accident coverage is usually not necessary for employees. If you work for your employer more than eight hours a week, you must have accident insurance. In this case, you can save yourself additional accident insurance.
Children in the household, in turn, attract many providers with special tariffs, where you sometimes have to pay up to 90 percent less. A special family rate is definitely worth it.
Lower premiums: with a savings model
You can also think about the extent to which a switch to a so-called savings model is possible for you. With most health insurance schemes, you end up automatically paying more money if you don't use these savings offers.
However, if you opt for an HMO, family doctor or Telmed model, you pay significantly lower premiums to the health insurance companies. With the Telmed concept, for example, you have to call an advice center before consulting a doctor. Despite the high savings potential, this effort is relatively limited.
In the case of a family doctor model, on the other hand, policyholders undertake to first visit a firmly agreed family doctor. If you choose the HMO model, patients consent to treatment in group practices.
Bottom line: If you think your health insurance bills are too high, you should definitely get one Carry out and change health insurance comparison. The health insurance companies offer you enough savings potential.
Check it here whether you are paying too much to your health insurance!
