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9 mois ago · by · 0 comments

Assura lance l’idée d’une franchise par maladie

L’assureur veut éviter que les patients aillent chez le médecin et lance l’idée d’un système de franchise par cas plutôt que par année.

L’augmentation continuelle des coûts de la santé fait réfléchir tout le monde et chaque acteur de la santé cherche des solutions pour les juguler. Dernière idée en date, celle d’Assura. L’assureur, qui présentait mercredi ses résultats annuels, propose d’introduire un système de franchise par cas, plutôt qu’une franchise par année.

Pour son directeur général Ruedi Bodenmann, qui s’en explique jeudi dans Le Nouvelliste, «cela permettrait aux malades chroniques, comme les personnes souffrant d’un cancer, d’éviter de se voir facturer la franchise chaque année. En revanche, il éviterait que des cas bénins impliquant le recours à des médecins ou à des services d’urgence soient systématiquement facturés à l’assurance de base.»

Concrètement, chaque maladie ou chaque cas se verrait attribuer une franchise. Et les petits bobos seraient à la charge de l’assuré. Ainsi si un patient se rend chez son généraliste pour un rhume, il paierait la totalité de la consultation. Des frais qui ne seraient pas cumulables aux coûts d’un autre problème de santé. Mais s’il souffre d’une maladie plus grave, l’assurance de base paierait alors les coûts au-delà de la franchise fixée.

Source : 20 Minutes 3 mai 2018

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9 mois ago · by · 0 comments

Foreigners can access subsidised Swiss healthcare once they become official residents

Foreigners can access subsidised Swiss healthcare once they become official residents and join a Swiss health insurance scheme.

The Swiss healthcare system is renowned for being one of the best in Europe, although it may seem complicated at first with a range of public, subsidised private and fully private health insurance options to consider. Foreigners living in Switzerland can claim reimbursements for Swiss healthcare services once they are registered for Swiss health insurance.

Healthcare in Switzerland isn’t charged via Swiss social security but is administered by local health authorities in each canton. Everyone living in Switzerland needs to take out a health insurance policy within three months of moving to the country, although exemptions apply. To continue access Swiss healthcare, you’ll need to pay monthly health insurance premiums and pay part of the cost of your medical treatment in Switzerland.



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2 années ago · by · 0 comments

Families slapped with hefty rise in health costs

Health insurance premiums will rise by 4.5 percent on average in 2017, the highest rise for six years, with children facing a heavy 6.6 percent increase.

People in some cantons will face increases of up to 7.3 percent next year, according to figures released on Monday by the Swiss federal health office (BAG).

Next year’s figures – based on a standard adult health insurance with a 300 franc deductible – show that in seven cantons, all in German-speaking areas, premiums will rise below four percent on average. The canton of Bern will face the lowest rise, of 3.5 percent.

At the other end of the scale eleven cantons including Geneva will see their insurance payments go up by more than five percent, with those in the Jura facing the highest increase, of 7.3 percent.

Premiums in the eight remaining cantons will rise between four and five percent on average.

Families will be the hardest hit, with premiums for children under 18 rising by 6.6 percent on average.

Young adults aged 19-25 will see their health insurance bill increase by 5.4 percent.

Health insurers are obliged to set lower premiums for children, but the amount is not fixed by law. The heavy increase this year is due to the fact that premiums paid in previous years did not cover costs, said BAG.

Swiss basic health insurance, called LaMal, is obligatory for every resident. The country’s 60 or so private insurance companies set their premiums each year after discussion with the federal government.

Since LaMal was first introduced in 1996, premiums have risen by on average 4.6 percent a year and by 3.6 percent in the last decade, according to BAG.

In actual figures, that means average monthly premiums have increased from 173 francs in 1996 to 447 francs next year, based on a 300 franc deductible.

Some have slammed 2017’s rises, with Socialist Party MP Rebecca Ruiz telling news agencies that the news was “another hard blow” to the insured, particularly families.

Ruiz, who is also president of a patients’ service, said the news shows that parliament is not on the side of patients.

In recent months the Swiss federal government has considered a number of ideas to tackle the problem of growing medical costs, such as raising the lowest deductible.


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2 années ago · by · 0 comments

Steep health insurance rises in 2017

On 26 September 2016, the Federal Public Health Office (OFSP) announced Swiss health insurance premiums for 2017. The average increase across all cantons and insurance companies will be 4.5%, ranging from 3.5% to 7.3% depending on the canton. These figures are for standard cover for an adult with a deductible of CHF 300, including accident cover.

The problem of rising health insurance premiums in Switzerland is not new. Over the last 20 years the average annual increase has been 4.6%, although the last 10 years have been better, registering an average increase of 3.6%.

The worst affected cantons this time are Jura (7.3%), Glarus (7.1%), Valais (6.4%) and Appenzell-Innerrhoden (6.4%). In Zurich (3.7%), Geneva (5.7%), Vaud (4.9%), Bern (3.5%) Zug (3.9%), Lucerne (3.8%) and Basel-City (4.0%), the rises are more modest.

The cantons with the highest average monthly 2017 premiums are: Basel-City (CHF 567), Geneva (CHF 554), Vaud (CHF 495), Jura (CHF 488), and Basel-Landschaft (CHF 488). The lowest five are: Appenzell-Innerrhoden (CHF 348), Nidwalden (CHF 361), Ury (CHF 369), Zug (CHF 376) and Obwalden (CHF 376). The highest, Basel-City is 63% more expensive than the lowest, Appenzell-Innerrhoden. The Swiss average for 2017 is CHF 447 per month.

Premiums for children and young adults will rise more than those for adults. The average rise across Switzerland for adults is 4.5%, for young adults 5.4%, and for those 18 years old or younger, 6.6%. Cantonal differences for children vary substantially. In Appenzell-Innerrhoden (9.9%), Geneva (9.7%) and Solothurn (9.1%) the rises are all above 9% for children. In Zurich (5.9%), Vaud (7.6%), Bern (4.9%), Zug (5.7%), Lucerne (6.0%) and Basel-City (5.1%), the rises are less steep.

The OFSP says the big rise for children is due to their premiums over the last few years not being high enough to cover their costs. Insurers must offer lower premiums to children, however the discount is not fixed by law.


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2 années ago · by · 0 comments

Bern: ‘no limit’ on Swiss health insurance premiums



The Swiss Senate has rejected a motion by a Socialist politician that

suggested should not surpass ten percent of a household’s income.

The bill by Geneva MP Liliane Maury Pasquier was rejected by 31 votes to 13 on Tuesday, with the Senate judging that limits should not be imposed at federal level.

According to Pasquier some families end up paying 22,000 francs ($22,500) a year for basic health insurance – obligatory in Switzerland – which equates to more than 20 percent of their income.

Speaking after the vote, Pasquier said she thought many senators did not understand “the difficulty that these premiums represent for most households,” reported 20 Minutes.

The senator pointed out that when the law on compulsory medical insurance, called LaMal, was devised in 1990 the federal government stated its aim for premiums to equate to no more than eight percent of a household income, said the paper.

But as a result of rises to premiums, many families are being forced to compromize their health, for example by not consulting a doctor because of the cost.

Premiums for compulsory medical insurance are set by the country’s 60-odd private insurers each year, usually at the end of September, with figures approved by the federal government.

Premiums for 2016 rose on average by four percent on the previous year, with some cantons seeing an eight percent rise.

Since the law on compulsory health insurance came into force in 1996 the average standard premium has risen by 4.6 percent a year, taking monthly payments from 173 francs in 1996 to 428 francs in 2016.

The federal government and cantons both contribute to subsidies offered to certain people on low income to reduce their health insurance premiums.

But the question of who is entitled to a reduced premium is set at cantonal level. It is usually determined by salary and the number of children in a household.

Speaking after Tuesday’s vote, Home Office minister Alain Berset recognized that paying for basic medical insurance was a big cost for households, but said the federal council had already made efforts to contain premium rises, reported news agencies.

In 2008 the Swiss parliament decided that cantons, not the federal government, should be responsible for regulating any premium limits and that should be respected, said Berset.

Despite failing to get her bill passed at federal level Pasquier said she maintained hope that the ten percent principle would be considered at cantonal level and that some cantons are already making steps in that direction.

Source :           Link :


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2 années ago · by · 0 comments




If you’re starting to think about tomorrow, you’ll be on the right course with life insurance: You save your private capital for the time after your retirement. You invest your contributions in first-class funds and thus enjoy better potential returns than with traditional savings. You can easily set your very own personal focus by choosing your savings profile. In addition, you also save taxes because you can deduct your premiums under Pillar 3a from your taxable income each year. If your life situation changes during the term of the contract, you can adjust your life insurance: you also have the option of taking a premium break or withdrawing your saved funds at preferential conditions for the purposes of home ownership.



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4 années ago · by · 1 comment

How to choose best life insurance

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4 années ago · by · 3 comments

Safe travels with family

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