Saving in the compulsory health insurance (basic insurance)?
With compulsory health insurance, you have numerous options for saving premiums. We'll explain how this works below. Templates to support correspondence with your health insurance company are attached to this documentation.
Save with the deductible of your choice?
The insured have to share in the costs of the services provided for them. This cost sharing consists on the one hand of a fixed annual amount (franchise) and on the other hand of 10% of the costs exceeding the franchise (deductible). The regular deductible for adults aged 18 and over is CHF 300 per year (CHF 0 for children). The insured can choose a higher deductible and pay lower premiums for it. The cash registers can offer the following franchise levels:
- Adults (from 18 years): 500, 1000, 1500, 2000, 2500 francs
- Children: 100, 200, 300, 400, 500, 600 francs
Attention: You pay fewer premiums, but you have to pay for the services you use up to the selected deductible amount. If you choose a higher franchise, make sure that you have that amount of money at your disposal. Do not be tempted to visit the doctor too late or not at all, just to save on premiums or costs.
The deductible is 10% of the costs in excess of the deductible, with the exception of the original preparations, which are interchangeable with generics (20%). Your doctor or pharmacy will give you information on this. In principle, the deductible is a maximum of 700 francs per year (children 350 francs).
If several children of one family are insured with the same insurer, the cost sharing amounts to a maximum of the deductible and the maximum amount of the deductible for one adult. In the case of optional deductibles, the participation may not exceed twice the maximum amount per child (optional deductible and deductible).
The deductible is CHF 15 per hospital day. Children up to 18 years of age, young adults up to 25 years of age who are in training and women do not have to pay any contribution for maternity benefits.
Save money by restricting the choice of doctor and hospital?
An HMO is an organization of doctors who organize themselves in a group practice (HMO = Health Maintenance Organization). With this model, you always see your doctor in the HMO practice first. If necessary, you will be referred from there to specialists (where available within the HMO practice, otherwise outside). In addition to general practitioners, specialists and therapists from various fields work in the HMO center.
Your gynecologist or gynecologist. As a rule, you can still contact your ophthalmologist directly
With the family doctor model
A family doctor network is a regional association of free general practitioners. As an insured person, you can choose one of these doctors as your family doctor and thus forego the free choice of doctor.
You undertake to always consult your family doctor first. This person is the first point of contact and coordinator for all medical matters (except in emergencies) and decides whether he / she can carry out the treatment himself or whether a specialist doctor needs to be called in.
Note: Your gynecologist or gynecologist. As a rule, you can still contact your ophthalmologist directly.
With prior telephone consultation
In addition to the models with a limited choice of doctor (HMO or family doctor), various insurers offer models that provide for medical advice over the phone before each visit to the doctor. This restriction also allows you to save on premiums. Inquire with the insurers who offer such models.
Save with the bonus model?
The premium is reduced every year in which you do not receive any invoices.
Attention: The starting premium is 10% higher than the regular premium and the deductible cannot be increased. However, the premium can drop to half of the initial premium within 5 years.
Only take out this type of insurance if you rarely or never receive medical treatment. However, do not be tempted to visit the doctor too late or not at all just to save costs.
Save while working?
Premium savings thanks to the exclusion of accident coverage
If you work eight or more hours a week and are insured against occupational and non-occupational accidents by your employer, you should exclude accident coverage from your health insurance. To do this, you must send your insurer a confirmation from your employer that you are insured against occupational and non-occupational accidents in accordance with the Accident Insurance Act (UVG). You will then pay less health insurance premiums from the month following your letter.