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Old 30.04.2021, 14:24
Meh Meh is offline
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Understanding the health insurance comparison

Hi!

I would have a newbie question.

I am paying ~670 CHF for the standard model with a certain company (for 2 persons).

I have just checked a standard model price of the same company for 2021 on Comparis and it says that the price is ~800 CHF.

How does it work exactly? Am I having a better price because I signed up earlier than those who are going to sign up this year for the first time?

I've heard of people checking prices annually and switching their insurance companies but it looks like all prices for the standard model start from ~715 CHF, so there isn't an insurance company to jump to unless I choose a different model.

Thank you in advance for providing the explanation.
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Old 30.04.2021, 17:50
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Re: Understanding the health insurance comparison

Everyone with the same policy parameters as you generally pays the same price that the insurer agreed upon together with BAG. You probably made a mistake in your comparisons and varied some factors that you shouldn't have. Main factors influencing the cost: insurer company itself (composition of its risk pool affects expected costs), age group (<18, 19-25, >25), residence location, policy restrictions (standard/GP/HMO/.. models). Sometimes you might have a tiny discount for annual pre-payment. Other than that I don't think the law allows insurers to give you any further arbitrary discounts for mandatory insurance, there's no bonus/malus or loyalty discounts or anything like that. They only have the freedom to do that for supplementary insurances.
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Old 30.04.2021, 18:23
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Re: Understanding the health insurance comparison

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Hi!

I would have a newbie question.

I am paying ~670 CHF for the standard model with a certain company (for 2 persons).

I have just checked a standard model price of the same company for 2021 on Comparis and it says that the price is ~800 CHF.

How does it work exactly? Am I having a better price because I signed up earlier than those who are going to sign up this year for the first time?

I've heard of people checking prices annually and switching their insurance companies but it looks like all prices for the standard model start from ~715 CHF, so there isn't an insurance company to jump to unless I choose a different model.

Thank you in advance for providing the explanation.
Same deductible?
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Old 30.04.2021, 18:31
Meh Meh is offline
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Re: Understanding the health insurance comparison

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Same deductible?
Yes
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Old 30.04.2021, 18:38
Meh Meh is offline
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Re: Understanding the health insurance comparison

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Everyone with the same policy parameters as you generally pays the same price that the insurer agreed upon together with BAG. You probably made a mistake in your comparisons and varied some factors that you shouldn't have. Main factors influencing the cost: insurer company itself (composition of its risk pool affects expected costs), age group (<18, 19-25, >25), residence location, policy restrictions (standard/GP/HMO/.. models). Sometimes you might have a tiny discount for annual pre-payment. Other than that I don't think the law allows insurers to give you any further arbitrary discounts for mandatory insurance, there's no bonus/malus or loyalty discounts or anything like that. They only have the freedom to do that for supplementary insurances.
Actually, you are right. I found my insurance under the family doctor model. In practice it works as the standard model (I choose a doctor from the list, without going to a family doctor). Interesting. Sorry for the thread, it was not immediately apparent.
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