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Save on your health insurance premium
Save on the health insurance premium
Is it possible to save on health insurance premiums and improve performance? This is the first question we almost always get asked. The answer is yes! It is possible to save on health insurance premiums and improve performance. Although all insurance companies are bound by the Sickness Insurance Law (Lamal) and therefore provide the same benefits, it is possible to reduce the premium by choosing the model and the deductible. As regards the deductible, we refer you to another page where we have discussed the topic: choice of deductible. Each company has different premiums depending on the model chosen. For example, if I prefer the family doctor, I will always have to turn to him, even when choosing a specialist (except obviously in cases of emergency). It is an almost always more expensive choice, but of great value for all those people who have long been accustomed to the same doctor, in whom they place the utmost trust. With the telemedicine model, however, I have a service available to me 24 hours a day which, after a telephone consultation, directs me to the most suitable doctor. The advantage is, in addition to saving on the premium, that I can go directly to a specialist if necessary, skipping a step (and consequently a fee...). Not to forget the fact that many companies offer cumulative discounts for several people from the same family unit, while others offer a reduction in the overall premium for those insured who opt for a combined LCA supplementary insurance. Therefore each health insurance company, despite different prices, essentially offers the same basic service. (Link to find out about the benefits of the KVG). The KVG, commonly and incorrectly known as "basic", however has some important gaps. The main and most obvious ones are:- Emergency transport. (E.g. Ambulance) - Drugs not listed or limited. (Those not therefore included in the list of specialties covered by Lamal). - Hospitalization outside the canton of residence. A complementary insurance that covers, among other things, these three gaps costs around 20 Chf per month.___________To give an example, let's imagine a 40-year-old male resident in Lugano. With 21 Chf per month of LCA (complementary insurance) you will add to the Lamal benefits: - Hospitalization throughout Switzerland. - Limited or off-list medicines (those not covered by the "basic" alone) - Transport costs (ambulance, helicopter) You will have, in addition, other services such as: - Outpatient treatments throughout Switzerland. - Alternative medicine therapies. - Reimbursement of 200 Chf (every three years) for glasses and contact lenses. - Dental treatments. (500 chf per year)- Spa treatments. (Max 30 days per calendar year)- Convalescent care. (Max 30 days per calendar year) - Home assistance. (1500 chf per year) - Vaccinations. - Health promotion. (200 Chf per year for gym, etc) - Check up. (One every three years: prolonged examination, electrocardiogram, blood tests, glucose, cholesterol...) - Second medical opinion. We are here to answer all your questions and to offer you free, highly professional advice, carefully evaluating your case. This way you can choose to save without giving up the best coverage for your needs.
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However, if we want to do a more in-depth general analysis, we cannot fail to consider that the increase in wages and the aging of the population are increasing healthcare spending. Healthcare costs and therefore health insurance premiums have been increasing in Switzerland for many years without interruption. After the pace of cost growth in the healthcare sector slowed down somewhat last year, a further increase in costs is expected healthcare in the coming years. We have seen that, for the first time, per capita spending will exceed 10,000 Chf. This places Switzerland in second place among OECD countries, behind the United States, and there is no sign of a reversal of the trend. On the one hand the aging of the population and on the other medical progress, which is certainly beneficial but also causes enormous research and development expenditure and is responsible for sustained cost growth. Rising wages in the healthcare system also act as an additional cost factor. As a country with high wages and an equally high price level, Switzerland inevitably leads to high healthcare costs. Likewise, no one will deny that our healthcare is of the highest quality. The cost-cutting program adopted by the Federal Council in spring aims to make all stakeholders more accountable and ensure that "costs increase only to the extent that they can be medically justified". However, there are different and simple ways and measures to contain healthcare costs, but everyone involved, such as insured people, health insurers and politicians, should use them, change their behavior and move in the same direction. One solution is, for example, that of managed care models in relation to the initial telephone consultation. The insured undertakes to always contact the chosen "health manager" first, except in cases of emergency. This health manager can be a family doctor, a health center (HMO) or a medical consultation centre. Telephone consultation thus deals with minor cases. It is important that this first contact takes place as part of a telephone consultation in order to avoid unnecessary visits to the doctor. Conventional GP models, where the first contact must be made via the GP, are certainly more expensive, as there are always double costs. Many "curiosities" can also be dealt with in the telephone consultation, such as the issuing of medical certificates or long-term prescriptions. Medical care can be coordinated and unnecessary treatments can be avoided. Anyone who chooses a managed care model will be rewarded with premium discounts. Higher deductibles also raise the threshold for seeing a doctor for minor causes. In order to avoid the family doctor or telephone model - and because it is not necessary to make appointments in advance - more and more patients are visiting the emergency practice, which charges an additional cost to the system. This trend could also be stopped by simple obstacles. Invoice control is a particularly simple and at the same time efficient measure to reduce costs. Thus we realize how many services were not indispensable. But it is not just the insured who must be made more responsible. The list of benefits of compulsory basic insurance should be discussed again, harmonized with new needs and new therapies that are constantly changing and the relationship between health insurance companies and service providers should be examined intensively. The increase in costs health care can only be slowed down if measures that are unpopular for individual interest groups are implemented. However, health insurance premiums that are more expensive every year will continue to be a sad reality. For this reason it is essential to turn to those who carefully study the issue, and are able to harmonize the costs and benefits of comprehensive and free health insurance. gaps.
