Dear all,
I applied for a basic health insurance Sana24 for my wife who is turning 26 this April.

While the initial quote of the insurance was around 135 CHF (with deductible 2500 CHF), when we have now received the policy, there is a 50% surcharge (67 CHF) added to the premium.

On checking with my insurance advisor I was told that this surcharge is because my wife is turning 26 this year. Is this normal? I find it very strange because I'm 29 but my basic premium is much lower than hers!! Even my mother who is twice her age pays a lower premium for the same deductible.

Thanks in advance!

Women often pay more than same aged husbands in the years they are most likely to have children. Why it went up from 25 to 26. I don't know. Maybe women of 26 are more likely to have children than at 25.

I remember when i did my insurance that i was given 2 options . The first one, to increase the policy fee as i get older (much cheaper when you are younger and then increasing when you get older, being much more expensive at the end of your live). You would get hit by the increase when you get to a certain age, then pay that amount for a given number of year, and then get a big increment again. Or, you could pay a set amount for the whole duration of your life.

Dear OP, please specify what the surcharge is called from your policy document. We can then better advise accordingly. I've had great help from Jenny here on the forum who sells insurance and has quite good product knowledge, in fact I changed to Sana24 for 2009 on her research.

I'm now happily benefiting from alternative medicine.

Hi,

The same thing happened to me as well. As far as I understood it, they have different age categories, for which they charge different prices: < 18, 19 - 25 and > 26 years. There is also a price difference between insurances for men and women.

Exactly,
this is why I find it so confusing! The premium stated on the Sana24 site (and also those shown on Comparis etc.) is identical for 25 and 26 year olds .. but then they have added this surcharge..and the fact the surcharge is 50% of the premium makes me wonder in insurance terms do women become more "risky" when they turn 26?

Somebody please help.

My insurance (I'm the stay-at-home wife) is higher than my husbands - because it includes accident cover - his accident cover is provided by his employer...but mine is on the health insurance...

Mine is about 220chf per month, with extras and accident cover, and special hospital cover and deductible insurance...

There are 3 ages category for basis health insurance
Child : up to 18 y.o.
Youth : from 19 y.o. to 25 y.o.
Adult : from 26 y.0.

Pricing for adult is higher than youth and much more higher than children pricing.

If your premium is higher than your mother I see two solutions.
1) You aren't affiliate to the same company.
2) You are affiliate to the same company but with differents models. Most expensive model is the traditionnal (classical) model. You get lower premiums if you accept special models (with the absolute same covering): for example family doctor, doctor network or Telmed (medical call center) models. Check !

Regards

Sorry, I have forgotten this possibility, hmm

3) accident risk coverage for one and exclusion for another ? Price with or without is different.

Alexandre

Hello Magyir

I too get help from alternative medicine. However, I just moved to Switzerland and do not yet have insurance.

You mentioned someone named Jenny who is an insurance broker, do you have her contact details?

If you or anyone have suggestions about what policy is good for someone who wishes to receive alternative medicine treatment here, I would GREATLY appreciate it. I want to go to a place called Paracelsus Klinik, and I have no idea which policy to choose.

Thank you :-)

You'll find Jenny here.