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Old 01.10.2009, 17:11
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Health Insurance to cost 8.7% more in 2010 on average

Insurance companies have until the end of October 2009 to notify you of any changes. You have until the end of November to change health insurance if you so wish to. I think it was pretty inevitable that there was going to be an increase.

Complete story here:

http://genevalunch.com/2009/10/01/he...erage-in-2010/
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Old 05.10.2009, 17:19
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Re: Health Insurance to cost 8.7% more in 2010 on average

It would be really great if they would offset these increases for those who have not claimed with a form of no-claims bonus.

I understand the principle of averaging here and that everyone pays for everyone elses healthcare and that in Switzerland one must subsidise dangerous lifestyle choices such as smokers, promiscuity and motorcyclists etc. I would however think it would make financial sense to the collective population if everyone who did not claim a rappen during the prior year received say a 20% discount on premiums. It would stop the element of the population who run to the doctor at the slightest chance as well as encourage people to live healthier lifestyles.

I guess I'm a bit peeved at having paid thousands of francs, never receiving a rappen back, living a healthy lifestyle without receiving any financial acknowledgement of this.

N.B. would much prefer this to remain the case than too suffer ill-health - just think that the health insurance premium system is rather ill-conceived. As it stands my wife and I are faced with a c. 26% increase in premium next year if we stay with the same insurer. We will go through the hassle of changing but it seems daft for the insurer to lose us when we are statistically good risks.
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Old 05.10.2009, 23:37
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Re: Health Insurance to cost 8.7% more in 2010 on average

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It would be really great if they would offset these increases for those who have not claimed with a form of no-claims bonus.

I understand the principle of averaging here and that everyone pays for everyone elses healthcare and that in Switzerland one must subsidise dangerous lifestyle choices such as smokers, promiscuity and motorcyclists etc. I would however think it would make financial sense to the collective population if everyone who did not claim a rappen during the prior year received say a 20% discount on premiums. It would stop the element of the population who run to the doctor at the slightest chance as well as encourage people to live healthier lifestyles.

I guess I'm a bit peeved at having paid thousands of francs, never receiving a rappen back, living a healthy lifestyle without receiving any financial acknowledgement of this.

N.B. would much prefer this to remain the case than too suffer ill-health - just think that the health insurance premium system is rather ill-conceived. As it stands my wife and I are faced with a c. 26% increase in premium next year if we stay with the same insurer. We will go through the hassle of changing but it seems daft for the insurer to lose us when we are statistically good risks.
The Swiss concept of "no claims bonus" for health insurance seems to be "increase your deductible/excess to the maximum possible and we'll reduce your premium a bit". Of course, should you ever fall ill, you'll be up for CHF 3,500 or so.

Last edited by 22 yards; 05.10.2009 at 23:54.
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Old 08.10.2009, 09:48
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Re: Health Insurance to cost 8.7% more in 2010 on average

The basis of the health system is that, as far as the basic insurance is concerned, everybody is accepted at normal terms, irrespective of their medical condition.

If you propose a ‘No Claim Bonus’ you’ll also need to suggest how this is going to be paid for. If some people get a 20% reduction then others will have to pay more.

As for increasing premiums for those with ‘dangerous lifestyle choices’, this would completely alter the whole system and introduce additional administration in the form of underwriting, which does not exist at the moment. It’s something that’s been discussed many times over the years and it’s not as simple as it sounds. For example, I recall one discusstion where, in talking about activities, like smoking, that may effect your health in later years, an orthopaedic surgeon came up with a list of sports that often cause medical problems later in life. Just one example was frequently playing squash which often leads to arthritis and hip replacement.

Perhaps one way to look at the health system is to consider how well it’s worked for you when you look at it many years later. I’ve been here 20 years and for the first 18 I was also ‘gods gift’ to insurance companies having never made a claim. However, this changed rather suddenly two years ago when I fell ill, and it was nothing to do with previous ‘dangerous lifestyle choices. My medical bills exceeded everything I had paid in the previous 18 years and my monthly drug bill is still well in excess of my monthly premium.

Human nature, being what it is, means that what we want is the lowest possible premium when we’re healthy and the best possible treatment, irrespective of cost, when we’re not ! There are way of keeping costs down such as the system in the UK where certain drugs are not provided as they are not considered ‘cost effective’ but I don’t think that many people would consider that acceptable practice here.
The politicians are always seeking some magic formula that will stabilizing health costs but is this possible, or desirable ? I suppose it’ll happen when all medical research stops so there are no new drugs, treatments and equipment and nobody in the health sector wants a pay rise ever again !
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Old 08.10.2009, 10:29
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Re: Health Insurance to cost 8.7% more in 2010 on average

This, from the Federal Office of Public Health suggests a no claims bonus arrangement is available:
http://www.bag.admin.ch/themen/krank...x.html?lang=en
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Old 08.10.2009, 10:42
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Re: Health Insurance to cost 8.7% more in 2010 on average

I find it kind of funny that whenever these discussions about health insurance comes people jump on the smokers should pay more business. Several studies have been done which suggest that smokers actually cost less than people with healthy lifestyles - in some studies around 20% less over the course of a lifetime. The reason given is primarily that, frankly, smokers don't live as long - 7 to 10 years less on average. A couple of other reported factors are:-

Smokers terminal illnesses, although expensive to treat, often tend to be of a much shorter duration than the terminal illnesses of people that have lived healthy lifestyles. However the treatment costs per year are about the same.

Smokers tend not to live long enough to become infirm, or at least long term infirm - infirmity and old age is one of the largest drains on medical resources.

I think people jump on smokers as they see the smoker's illnesses as being brought upon themselves, rather than than the healthy person where a serious illness is seen as a cruel undeserved twist of fate.

Of course I'm not saying this as an attempt to justify smoking (even though I am a smoker), but just as food for thought. Maybe it's not the smokers that are driving up the health insurance cost.

Here's a link

Just popping outside for a fag For the US citizens amongst us this is not what you think
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Old 08.10.2009, 11:18
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Re: Health Insurance to cost 8.7% more in 2010 on average

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This, from the Federal Office of Public Health suggests a no claims bonus arrangement is available:
http://www.bag.admin.ch/themen/krank...x.html?lang=en
While a bonus scheme is available from some insurers I’ve never actually heard of anyone who has wanted it. Perhaps this is the reason why.
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Old 08.10.2009, 11:26
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Re: Health Insurance to cost 8.7% more in 2010 on average

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Smokers tend not to live long enough to become infirm, or at least long term infirm - infirmity and old age is one of the largest drains on medical resources.
That's correct. I wonder how many people realise that the insurers have to pay towards the cost of a client in an old peoples home. According to the degree of care needed this can cost over CHF 3,000 per month.
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Old 20.10.2009, 13:22
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Re: Health Insurance to cost 8.7% more in 2010 on average

I've been informed of a 20% increase in the cost of my health insurance with Intras.

I will cut back on some of the coverage rather than stomach the increase.

Anyone else got any shockers? I've heard of some with 40% increases.
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Old 20.10.2009, 13:43
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Re: Health Insurance to cost 8.7% more in 2010 on average

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I've been informed of a 20% increase in the cost of my health insurance with Intras.

I will cut back on some of the coverage rather than stomach the increase.

Anyone else got any shockers? I've heard of some with 40% increases.
Yep - up 23.2% with Sansan for the two of us. Not a single claim over the eighteen months we've been with them. Goodbye Sansan.
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Old 20.10.2009, 13:44
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Re: Health Insurance to cost 8.7% more in 2010 on average

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It would be really great if they would offset these increases for those who have not claimed with a form of no-claims bonus.

I understand the principle of averaging here and that everyone pays for everyone elses healthcare and that in Switzerland one must subsidise dangerous lifestyle choices such as smokers, promiscuity and motorcyclists etc. I would however think it would make financial sense to the collective population if everyone who did not claim a rappen during the prior year received say a 20% discount on premiums. It would stop the element of the population who run to the doctor at the slightest chance as well as encourage people to live healthier lifestyles.

I guess I'm a bit peeved at having paid thousands of francs, never receiving a rappen back, living a healthy lifestyle without receiving any financial acknowledgement of this.

N.B. would much prefer this to remain the case than too suffer ill-health - just think that the health insurance premium system is rather ill-conceived. As it stands my wife and I are faced with a c. 26% increase in premium next year if we stay with the same insurer. We will go through the hassle of changing but it seems daft for the insurer to lose us when we are statistically good risks.
I perfectly agree with this. You share my sentiments and thoughts.
Too many regulations into one'e personal healthcare, makes life difficult!

Ed
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Old 21.10.2009, 20:15
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Re: Health Insurance to cost 8.7% more in 2010 on average

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Yep - up 23.2% with Sansan for the two of us. Not a single claim over the eighteen months we've been with them. Goodbye Sansan.

yep mines about the same with sansan and i haven't made a claim in 6 years. I'm thinking of contracting something just to get some value for my money!

I'm changing as I've found a reasonable alternative thanks to comparis.com
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Old 21.10.2009, 21:20
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Re: Health Insurance to cost 8.7% more in 2010 on average

I am with Swica...so far no clue if they will increase the premium!
I dole out 300CHF per month just for nothing so far....

Can someone recommend a better alternative....

Thanks
Eddy
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Old 22.10.2009, 17:32
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Re: Health Insurance to cost 8.7% more in 2010 on average

A bit hard to give a better alternative without knowing your age and location. Some companies are cheap in some areas, expensive in others. Swica is generally expensive....
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Old 22.10.2009, 21:13
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Re: Health Insurance to cost 8.7% more in 2010 on average

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A bit hard to give a better alternative without knowing your age and location. Some companies are cheap in some areas, expensive in others. Swica is generally expensive....
I am 34 and residing in Basel.
Any suggestions please....I would also prefer companies that corresponds in english if possible....

Eddy
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Old 22.10.2009, 21:24
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Re: Health Insurance to cost 8.7% more in 2010 on average

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I am 34 and residing in Basel.
Any suggestions please....I would also prefer companies that corresponds in english if possible....

Eddy
Contact Jenny for advice.
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Old 22.10.2009, 22:45
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Re: Health Insurance to cost 8.7% more in 2010 on average

I had my quote come through - it had gone up by 100chf per month - 2 quick emails and it has come back down to the same as what i pay now

Still 850chf per month for the family though
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Old 22.10.2009, 23:00
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Re: Health Insurance to cost 8.7% more in 2010 on average

Still waiting on the letter from SWICA. Also waiting on offer for same or
better coverage from Symphony (formerly known as ÖKK Basel).

According to a table in the local newspaper a week ago, my SWICA will
increase 9.69 %. Tolerable, but still considering Symphony.
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Old 22.10.2009, 23:00
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Re: Health Insurance to cost 8.7% more in 2010 on average

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I had my quote come through - it had gone up by 100chf per month - 2 quick emails and it has come back down to the same as what i pay now

Still 850chf per month for the family though
Nice going! What did you say to them to get the reduction?
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