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How to keep your account healthy
Health insurance companies increase their premiums from year to year, often hiking prices quite considerably. You can findout here how to reduce your premium to a low rate which is acceptable to you.
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State support
If your taxable annual income does not exceed a certain amount, you are entitled to state support. The Individual Premium Reductions (IPR) are regulated differently and vary in amount from one canton to the next. Some cantons automatically settle the premium reduction with the health insurance company or with the insured person. Others require you to apply for the reduction.
Savings tips
Basic and supplementary insurance with different health insurance companies
You are not required to take out basic and supplementary insurance with the same health insurance company. Therefore, look around for the cheapest health insurance company for your basic insurance because these benefits are prescribed by law for all the health insurance companies and are identical. It is also worthwhile shopping around for supplementary insurance so that you find the solution that is best suited to your needs.
Choosing a model that will save you money
Some health insurance companies offer insurance models which offer you savings of up to 20%. These include HMO, Hausarzt, Light and Telmed, to name just a few.
Choosing a high franchise
In each health insurance company, you can choose between different franchises. If you opt for a high threshold, you will be required to pay a higher percentage of any medical or treatment costs, which you incur. However, your premium is reduced accordingly. If you avail of little or no healthcare benefits, it will enable you to make some savings in premiums.
Excluding accident cover from the policy
If you work at least eight hours a week with an employer, it also insures you automatically against accidents outside the workplace. Therefore, there is no need to arrange for accident cover through the health insurance company. Depending on the company you are with, it can result in a saving of upto 10% in premiums.
Further Information
Comparison of premiums by the Federal Department of Health
Premiums comparison by comparis
Premium Optimisation Network: Info sheets, specimen letters and useful addresses
Swiss Conference of the Cantonal Ministers of Public Health
Santésuisse (inter-trade organisation of the Swiss health insurance companies)
