Basic health insurance is compulsory for all residents in Switzerland and covers a standardized set of basic medical services. Although the benefits are the same across all health insurance companies, there are significant differences in the premiums charged by different providers. This offers policyholders considerable potential for financial savings, especially by switching health insurers or making adjustments within their current insurance contract.

Same benefits, different premiums

The benefits covered by basic insurance are defined by law and include basic medical care such as visits to the doctor, certain therapeutic measures, emergency treatment, contributions to medication costs and much more. As these benefits are identical for every health insurance company, you might assume that the premiums are also the same everywhere. However, health insurance companies can set their own premiums, resulting in different rates depending on the provider. These price differences are often due to the administrative efficiency of the health insurance company and the regional risk profile of the insured persons.

Options for optimizing basic insurance

1. change of health insurance company

Switching can bring considerable savings, especially if another health insurance company in the same region offers cheaper premiums. It is advisable to compare premiums annually, as they can change from year to year. A change is possible at the end of each year, whereby the notice of termination of the current insurance must be submitted by the end of November at the latest.

2. adjustment of the deductible

The deductible is the amount that you as the insured person pay out of your own pocket before the health insurance company starts to cover the costs. In Switzerland, adults can choose between a deductible of CHF 300 and CHF 2,500. A higher deductible usually results in lower monthly premiums. This option is particularly suitable for people who rarely make use of medical services.

3. choice of insurance model

Policyholders have the option of choosing from various insurance models that can enable further savings:

• General practitioner model: With this model, your first point of contact is always your family doctor. This model can be cheaper than the standard model.
• HMO model: Here, if you have health problems, you first visit a health maintenance organization (HMO) before being referred to specialists if necessary.
• Telmed model: Medical consultations are initially provided by telephone or online, which can also reduce premiums.

4. bonus systems and additional offers

Some health insurance companies offer bonus systems for health-conscious behavior or additional offers such as gym memberships that promote general well-being and at the same time help to control costs.

Conclusion

Although the benefits of basic insurance are defined by law and are the same for all providers, there are considerable differences in premiums. By making an annual comparison, adjusting your deductible and choosing a more cost-effective insurance model, you can optimize your health insurance costs. HELVETICA OPTIMUM will help you find the best option for your needs and ensure that you and your family are OPTIMALLY INSURED.