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  #21  
Old 21.02.2019, 22:40
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Re: Why is my health insurance suddenly sky high?

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Basic is governed by federal law. If the price of your insurance varies with age, itís supplemental.
The cantons do NOT have the same price for basic.

And yes, when my kids turned 19 and 26, it went up. For basic.

Tom
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  #22  
Old 21.02.2019, 23:09
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Re: Why is my health insurance suddenly sky high?

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The cantons do NOT have the same price for basic.

And yes, when my kids turned 19 and 26, it went up. For basic.

Tom
Where did I say they did?

The ages at which prices change are governed by federal law. The prices themselves are determined at a more local level - each Kanton is divided into zones (made up of post codes) for pricing.

Basic prices depend on
Company
Model
Kanton/Zone/post code within kanton
Gender
And change at age 19, 26. I don’t know about kids under 18.

You can also save money if you pay yearly, half yearly, quarterly instead of monthly in some cases.

Last edited by edot; 22.02.2019 at 09:33.
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  #23  
Old 22.02.2019, 08:19
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Re: Why is my health insurance suddenly sky high?

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The only way we could save a little bit of money in the premiums would be if we switched to assura but given their reputation we decided it wasnít worth it for the small amount we would save.
Until now I have switched nearly every year simply to be on the least expensive plan. The cover has always been identical. One year I was on Assura, but came off it the next year as they were no longer the least expensive.
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Old 22.02.2019, 09:33
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Re: Why is my health insurance suddenly sky high?

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Until now I have switched nearly every year simply to be on the least expensive plan. The cover has always been identical. One year I was on Assura, but came off it the next year as they were no longer the least expensive.
Yes. That should be the case. However, people have complained about the speed with which Assura reimburses claims, some requirement that you only send in claims once youíve reached your franchise. If you have a high franchise and donít have lots of doctors visits or prescription meds, then this makes sense. If youíve had a positive experience, thatís great.

People interacting more with their insurer might wish better service. So they pay more. But better service might be an illusion. Maybe not.
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Old 22.02.2019, 10:10
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Re: Why is my health insurance suddenly sky high?

AFAIK Basic Health insurance premiums are not dependent on the amount of claims made in previous years but they are dependent on birth year, location, franchise, service provider etc. e.g.


location: 8055, franchise: 2500, Service Provider: Assura, Policy: Standard Without accident cover



Birth Year: 1993, Premium: CHF 201.-

Birth Year: 1994, Premium: CHF 307.70-


So there are some age based jumps.




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I know this questions sounds mundane, as insurance rates climb yearly, but in contrast to last year, I must pay 80.- chf more this year, and I find this odd.

Is there anyway I can ask for reduction without changing another health care provider, or at least find the real cause?

I haven't been to the dr much and I find this a bit strange.

I am with group mutuel btw
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Old 22.02.2019, 10:51
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Re: Why is my health insurance suddenly sky high?

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AFAIK Basic Health insurance premiums are not dependent on the amount of claims made in previous years but they are dependent on birth year, location, franchise, service provider etc. e.g.


location: 8055, franchise: 2500, Service Provider: Assura, Policy: Standard Without accident cover



Birth Year: 1993, Premium: CHF 201.-

Birth Year: 1994, Premium: CHF 307.70-


So there are some age based jumps.
That’s exactly right as they will change from a young adult to adult (26 if born in 1993 and 25 if born in 1994) but I think you have the premiums the wrong way round. Young adult is normally cheaper than adult.

After age 26 there are no more age related jumps in premiums for basic insurance.

The number of claims made makes no difference at all to the premiums.
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Old 22.02.2019, 11:08
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Re: Why is my health insurance suddenly sky high?

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Yes. That should be the case. However, people have complained about the speed with which Assura reimburses claims, some requirement that you only send in claims once youíve reached your franchise. If you have a high franchise and donít have lots of doctors visits or prescription meds, then this makes sense. If youíve had a positive experience, thatís great.
My experience with them was neutral. Probably they were slower to reimburse, but you can also delay paying the doctors' invoices as well so that the money is not out of your hands for such a long time.
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