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-   -   Health insurance increases for 2012 (https://www.englishforum.ch/insurance/127213-health-insurance-increases-2012-a.html)

halc3 06.10.2011 19:31

Re: Health insurance increases for 2012
 
Jenny is the woman in the know! Sought her advice to try and reduce my premiums for next year and Bob's your uncle, she puts several interesting offers on the table.

Would highly recommend her services.

* From the owners of Bonanza the cat. *

international 06.10.2011 20:53

Re: Health insurance increases for 2012
 
This year was lovely, next year is going to be hell!

Be sure to compare your premiums well, as sometimes the highest and second highest deductible have the same premium.

The ministry of health has made a proper website in order to compare, not like comparis.ch which only compares insurances that pay for the service, www.priminfo.ch

I am afraid it does not exist in English... however it is fairly straightforward.

jenny 07.10.2011 19:35

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by international (Post 1367444)
This year was lovely, next year is going to be hell!

I don't think the increase has been that bad at all to be honest?

Yes priminfo is a good thing. Unlike Comparis it is a government thing so you know it's completely impartial.

international 07.10.2011 20:34

Re: Health insurance increases for 2012
 
Sorry mea culpa, i meant 2012 is fine, 2013 will be hell :msnshock:

jenny 08.10.2011 14:46

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by international (Post 1368918)
Sorry mea culpa, i meant 2012 is fine, 2013 will be hell :msnshock:

What makes you think that?

international 09.10.2011 21:48

Re: Health insurance increases for 2012
 
Gut feeling, SwissDRG's starting from 1.1.12, etc. do you think they are stable now Jenny?

meloncollie 10.10.2011 10:19

Re: Health insurance increases for 2012
 
Well, got the new premium - and nearly fainted from shock - the increase (ca 25%) is far higher than the numbers I've heard discussed in the media.

Do premiums rachet up with age? Just had one of the significant birthdays; is the fact that I am now officially a doddering old fool reflected in my premium?

Also, I've exceeded my deductable for the first time ever - but only by about CHF 100. Would that also account for the increase?

jenny 10.10.2011 11:16

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by international (Post 1370270)
Gut feeling, SwissDRG's starting from 1.1.12, etc. do you think they are stable now Jenny?

Don't know if they're stable or not, it's really hard to say, we'll have to wait another 12 months to know about 2013 but for the DRG business, as far as I'm aware the majority of companies have already taken that into account for 2012.

Some people were saying that some companies were going to increase a lot for 2012 because of this and also the "compensation des risques" (risk compensation between companies) but they haven't as a lot of insurance companies have been proactive with their reserves etc. to account for it all.

jenny 10.10.2011 11:21

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by meloncollie (Post 1370591)
Well, got the new premium - and nearly fainted from shock - the increase (ca 25%) is far higher than the numbers I've heard discussed in the media.

Do premiums rachet up with age? Just had one of the significant birthdays; is the fact that I am now officially a doddering old fool reflected in my premium?

Also, I've exceeded my deductable for the first time ever - but only by about CHF 100. Would that also account for the increase?

25%?! That is huge and way above the average.

The premiums for the basic insurance are not affected by age other than the 3 basic categories - 0-18, 19-15, 26+. So once you're over 26, that's it. If you're 27 or 107, you pay the same premium.

For the supplementary insurance, it's different.
A lot of companies increase every 5 or 10 years (depends on the company) but the increase is usually a few francs, not 25%.
Some may increase every year depending on your age and the products you have but this is more rare.

Some companies offer discounts on the supplementary, kind of like a no-claims bonus, so if you've claimed on your supplementary this year then that may account for the increase too.

Some companies have an age guarantee so once you've signed up for them, you remain in that age category for life. That doesn't mean to say that they won't ever increase (inflation etc.) but you will pay the premium of someone that age for life.

The fact that you've gone over your deductible won't affect the basic premiums.

PaddyG 10.10.2011 11:37

Re: Health insurance increases for 2012
 
Are Innova reducing in Fribourg too? I've not received anything. Then again, I throw away a lot of the gumpf that comes from them.

jenny 10.10.2011 11:41

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by PaddyG (Post 1370708)
Are Innova reducing in Fribourg too? I've not received anything. Then again, I throw away a lot of the gumpf that comes from them.

If you tell me your deductible, with accident or not, whether you have an alternative method or not, I'll let you know :)

meloncollie 15.10.2011 14:23

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by jenny (Post 1370689)
25%?! That is huge and way above the average.

An update: I called my insurer to question the premium rise - and apparently there has been an error; I should get a new statement soon. Don't know what the new premium will be, but it won't be so high.

So a big thanks for the info, Jenny - your knowledge and the time you give to EF are invaluable.

blackbird 15.10.2011 17:15

Re: Health insurance increases for 2012
 
Try the HMO Model (your are only allowed to go into a HMO Clinic from your health insurance company, if you have to see a doctor), it is cheap compared
to other insurance models, i can recommend the atupri.

The_Love_Doctor 15.10.2011 17:44

Re: Health insurance increases for 2012
 
Hi Jenny,

that website www.priminfo.ch says that the following is the cheapest health insurance for me.

Progrès Dübendorf http://www.priminfo.ch/images/vmod_bl.gif BeneFit PLUS 17% 145.00 1740.00
I have already sent a letter to cancel my insurance. Could you give me some more info?

I can give you all my details if that gets you commision ;)

Edit: I've put 2000 deductible and Hausarzt Model.

some_randomer 17.10.2011 00:46

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by The_Love_Doctor (Post 1377538)
Hi Jenny,

that website www.priminfo.ch says that the following is the cheapest health insurance for me.

Progrès Dübendorf http://www.priminfo.ch/images/vmod_bl.gif BeneFit PLUS 17% 145.00 1740.00

Hi I relocated to Switzerland (Basel Stadt) in August and I believe I have to get Swiss health insurance after 3 months, which means I need it by Nov 1st.

However the cheapest I can find on Comparis is 252.70 / 3,032.40 (GP model) and an even higher 318.90/3826.80 (HMO model) on priminfo.ch. These are both 2000 deductible and no accident coverage. (I don't understand those models by the way as I've only started researching all this).

Love doctor how did you manage to get 145.00/1740.00?

Jenny I'd be very grateful for any advice and also be happy to sed you my details if it gets you commission :)

Edit: Just searched progres.ch which is coming in at 291.55

some_randomer 17.10.2011 00:50

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by blackbird (Post 1377529)
Try the HMO Model (your are only allowed to go into a HMO Clinic from your health insurance company, if you have to see a doctor), it is cheap compared
to other insurance models, i can recommend the atupri.

Hi blackbird, I'm in Basel Stadt and I searched Comparis with 2000 deductible and no accident cover. The cheapest for me was the GP model at 252.70 / 3,032.40. The cheapest HMO is Sana24 at 289.30 / 3,471.60. Maybe it's because I'm in a different canton to you...do the costs vary much by canton?

blackbird 17.10.2011 05:08

Re: Health insurance increases for 2012
 
I live in zurich an pay right now (with 500 sfr deductable) incl. Mivita, Comforta and Denta around 339 sfr per Month,which seems pretty cheep.

The_Love_Doctor 17.10.2011 16:43

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by some_randomer (Post 1378594)

However the cheapest I can find on Comparis is 252.70 / 3,032.40 (GP model) and an even higher 318.90/3826.80 (HMO model) on priminfo.ch. These are both 2000 deductible and no accident coverage. (I don't understand those models by the way as I've only started researching all this).

Love doctor how did you manage to get 145.00/1740.00?


Postcode had something to do with it... I think health insurance premiums are fairly low in Zug

jenny 17.10.2011 19:25

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by The_Love_Doctor (Post 1379294)
Postcode had something to do with it... I think health insurance premiums are fairly low in Zug

Yes, the premiums change not only on which canton you're in but whereabouts in that canton you are.

Cantons can have maximum 3 tarif zones (these are not necessarily geographical).
e.g. Zürich, Berne and Lucerne have 3 zones, Zug and Geneva have 1, Vaud and Valais have 2.

Premiums can vary massively from canton to canton with BS and GE being the more expensive and AI and VS being amongst the least expensive.

Nyonais 17.10.2011 19:34

Re: Health insurance increases for 2012
 
Quote:

Originally Posted by jenny (Post 1367253)
It isn't an estimate, it's the following years actual premium.

By law they have to send you this in October at some point. You could get it tomorrow or on the 31st.

As the official premiums are already out, you can already start shopping around if you like.

If one gets the notice of increased premium on the 31st Oct, can than person still shop around and look for anything cheaper or the deadline for giving a notice to the present insurer is already over?


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