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!
