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Old 19.02.2011, 06:08
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Children to be exempt from Health Insurance premiums

Here is the link from Swissinfo in DE ( or crude EN translation here ).

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Kommission will Kinder von Krankenkassenprämien befreien

Eltern sollen künftig für ihre Kinder keine Krankenkassenprämien mehr bezahlen müssen. So möchte es die Gesundheitskommission des Nationalrates (SGK). Sie hat zwei parlamentarischen Initiativen mit dieser Forderung Folge gegeben.

Mit 16 zu 8 Stimmen sprach sich die Kommission für die Initiative von Ruth Humbel (CVP/AG) aus, mit 13 zu 10 Stimmen für jene von Susanne Leutenegger Oberholzer (SP/BL), wie die Parlamentsdienste am Freitag mitteilten. Die erste Initiative will Kinder, die zweite zusätzlich auch junge Erwachsene in Ausbildung von den Krankenkassenprämien befreien.

Die Mehrheit der Kommission befand, dies sei ein wirksames Instrument, um insbesondere mittelständische Familien zu entlasten, die keine Prämienverbilligung erhielten.
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Commission wants to free children from health insurance premiums

Parents are the future for their children no longer have to pay health insurance premiums. It wants the Health Committee of the National Council (SIC). It has been two parliamentary initiatives to follow this requirement.

With 16 votes to 8, the Commission said the initiative of Ruth Humbel (CVP / AG), with 13 votes to 10 for those of Susanne Leutenegger Oberholzer (SP / BL), as the Parliamentary Services announced on Friday. The first initiative wants children to exempt second also including young adults in the education of health insurance premiums.


The majority of the Commission was that this was an effective tool, particularly to relieve medium-sized families that received no subsidies.

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Old 19.02.2011, 06:16
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Re: Children to be exempt from Health Insurance premiums

I hope that all the political parties claiming to have a focus on family topics (like SP or CVP) will be successful.
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Old 19.02.2011, 06:23
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Re: Children to be exempt from Health Insurance premiums

I'm sure it will be a major financial relief to many families.

A related article is here at the Tagesanzeiger ( crude EN translation here ).

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Old 19.02.2011, 06:28
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Re: Children to be exempt from Health Insurance premiums

For us it would be around 250chf a month saving...and I hope reduce a lot of paperwork...but we get 600chf a month in 'kinderzulagen'...
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Old 19.02.2011, 06:37
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Re: Children to be exempt from Health Insurance premiums

Kinderzulage ( child allowance ) - more on this website ( choose a Canton ):

http://www.kinderzulage.ch/main/index.php?kanton=26
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Old 19.02.2011, 07:48
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Re: Children to be exempt from Health Insurance premiums

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For us it would be around 250chf a month saving...and I hope reduce a lot of paperwork...but we get 600chf a month in 'kinderzulagen'...
Ok, take this as ignorance from a single childless man, but as a genuine question, not looking to start a fight: why do you receive money from the taxpayers to have children if not to pay for exactly such things as health insurance?
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Old 19.02.2011, 08:20
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Re: Children to be exempt from Health Insurance premiums

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Ok, take this as ignorance from a single childless man, but as a genuine question, not looking to start a fight: why do you receive money from the taxpayers to have children if not to pay for exactly such things as health insurance?
There are many necessary expenses for raising children: school stuff, larger apartments/houses, broken items (even when they're being careful, accidents happen more often with children than adults) and, of course, clothes - kids go through them at a huge rate of knots!

Now, if you're wondering at the benefit to society of people raising children, just think ahead to your years of retirement ... who's going to pay taxes to run all the government infrastructure when you're old, and need more support from the system?
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Old 19.02.2011, 08:42
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Re: Children to be exempt from Health Insurance premiums

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For us it would be around 250chf a month saving...and I hope reduce a lot of paperwork...but we get 600chf a month in 'kinderzulagen'...
Adult health insurance premiums will go up to compensate - but at least those without children, who will be relying on our offspring to support their old age, will be paying their fair share.

Funny, my son is 19, so pays adult health insurance. But because he doesn't earning, and has his own tax return, he gets a tax rebate - meaning he's cheaper to insure now than when he was 17!
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Old 19.02.2011, 08:50
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Re: Children to be exempt from Health Insurance premiums

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For us it would be around 250chf a month saving...and I hope reduce a lot of paperwork...but we get 600chf a month in 'kinderzulagen'...
Though it wouldn't save you CHF250/month would it? That money would have to come from somewhere. Either adults or the tax payer would have to make up that loss of premium income...
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Old 19.02.2011, 10:24
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Re: Children to be exempt from Health Insurance premiums

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Though it wouldn't save you CHF250/month would it? That money would have to come from somewhere. Either adults or the tax payer would have to make up that loss of premium income...
Well, the question is also whether it will be cheaper to 'the system' to provide universal cover, than to have it the way it is now...I wonder what percentage goes into administering the health insurance system - already I would imagine that the compulsory cover runs at a tight margin, and the insurance companies are offsetting that with the 'extras' cover that people choose to take up and most will never use...that's how insurance works...

Say, your annual salary is 70,000 (I reckon it'd be possible to live a fairly simple life on that with three children in the local school) health insurance is about 4% of the gross salary... now, do you think the goverment will put income tax up 4% to cover the cost of the difference in the health system...?

That's the gamble, I suppose...plus the 10% gap we pay on everything medical for our kids...in our household that 'gap' makes another 50-100chf a month onto our medical costs - so our health costs are coming up to 5-6% of typical family income...

I guess the question for parents will be 'will the system support my kids better if it's free' and 'what will I do with the extra money', and the question for everyone else is 'where is this money going to come from'...

Personally, my objection with the current system is the perceived inefficiencies of a de-centralised system with a multitude of health insurance providers - but perhaps that's what keeps a 'lid' on everything ?
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Old 19.02.2011, 10:38
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Re: Children to be exempt from Health Insurance premiums

Thanks for the good news, especially now that we will be parents
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Old 19.02.2011, 10:46
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Re: Children to be exempt from Health Insurance premiums

I read recently the proposed free health insurance for people up to the age of 25 would cost adults without children about CHF 300 per year.

In my opinion this will be a good thing, as selfish single people will now begin to pay for their future needs.
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Old 19.02.2011, 10:57
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Re: Children to be exempt from Health Insurance premiums

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Say, your annual salary is 70,000 (I reckon it'd be possible to live a fairly simple life on that with three children in the local school) health insurance is about 4% of the gross salary... now, do you think the goverment will put income tax up 4% to cover the cost of the difference in the health system...?
We paid Fr. 800/month for the four of us (Fr. 1500 excess for me, Fr. 300 for Mrs Boris and none for the girls), so that's closer to 14% on Fr. 70,000.
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Old 19.02.2011, 10:59
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Re: Children to be exempt from Health Insurance premiums

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We paid Fr. 800/month for the four of us (Fr. 1500 excess for me, Fr. 300 for Mrs Boris and none for the girls), so that's closer to 14% on Fr. 70,000.
Yes, I was only referring to our health insurance cost.... the premiums for children are already much lower than adults... basic for kids is about 75chf each, but there's a sliding scale and as they get older they cost more...along with everything else child-related...
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Old 19.02.2011, 11:00
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Re: Children to be exempt from Health Insurance premiums

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Adult health insurance premiums will go up to compensate - but at least those without children, who will be relying on our offspring to support their old age, will be paying their fair share.
How do you figure? Single people have much more opportunity to save, and the taxes - both income and usage - continue to pay for infrastructure usage for as long as we're drawing on our retirement funds.

In any case, I don't support pension plans that depend on someone else paying my retirement any more than I support paying for your kids, just to be clear.

I know some families have it hard - but, please correct me if I'm wrong, don't all families get the kid allowance? Seems like that should be limited to those in the lower end of the income bracket, and if it's not, that would be a better way to free up funds to decrease premium woes.
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Old 19.02.2011, 11:01
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Re: Children to be exempt from Health Insurance premiums

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Though it wouldn't save you CHF250/month would it? That money would have to come from somewhere. Either adults or the tax payer would have to make up that loss of premium income...
Isn't the same with everything?

I pay 530CHF / month now for my family, 2 years ago it was 360...So maybe it is a compensation for the totally insane health insurance inflation...

I wouldn't mind paying if the quality was accordingly...but unfortunately doctors here are not very good...
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Old 19.02.2011, 11:26
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Re: Children to be exempt from Health Insurance premiums

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I know some families have it hard - but, please correct me if I'm wrong, don't all families get the kid allowance?
The child allowance is tax free and varies between cantons. It is about Fr 280 per child. 20 years ago when my children were babies it didn't even cover the cost of Pampers.
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Old 19.02.2011, 11:32
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Re: Children to be exempt from Health Insurance premiums

This is wonderful news for families, nevertheless I do worry about the raise in premiums for the adults (to compensate), not for myself and the people who can work, but for the elderly.
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Old 19.02.2011, 13:37
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Re: Children to be exempt from Health Insurance premiums

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How do you figure? Single people have much more opportunity to save, and the taxes - both income and usage - continue to pay for infrastructure usage for as long as we're drawing on our retirement funds....
Paying for the infrastructure is one thing - keeping it running requires a continuous supply of people to do the work,, to replace those retiring and living off their pensions. Without selfless people such as myself providing these workers, the whole economy would grind to a halt and your pension would be worthless.

When there's a shortage of doctors to look after you in your old age, you'll only have yourself to blame. You should have bred some.

Whether you want to have kids or not is entirely up to you. I'd have had kids even if I didn't get any tax breaks. But the questions "why should I pay for your kids" is rather tiresome.
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Old 19.02.2011, 13:54
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Re: Children to be exempt from Health Insurance premiums

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When there's a shortage of doctors to look after you in your old age, you'll only have yourself to blame. You should have bred some.

Whether you want to have kids or not is entirely up to you. I'd have had kids even if I didn't get any tax breaks. But the questions "why should I pay for your kids" is rather tiresome.
I actually don't mind that kids get a break on health insurance. So I'm not complaining.

But just because you can breed, doesn't mean that your byproducts are necessarily going to be helpful to society. Let's not get too far ahead of ourselves.

However, in a society there has to be a lot of give and take. Some people get breaks early, others late. Why shouldn't parents get a break on their kids' healthcare. That and education are things that all of society should be invested in. Otherwise we might as well be living in silos. Which, I fear, is what I see happening increasingly in places like the US.
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