In Switzerland, it is compulsory to have health insurance, and that too without interruption. So it makes sense to pull one out in time. By doing so, you get twice as much. First, when you make a comparison between different insurance companies that not only fits your health insurance needs but also your budget, you have a win-win deal. Second, you are covered for all your medical conditions, which gives you a huge sense of security.
To get affordable health insurance, you should take note of the following points.
What medical coverage do you need?
The answer to this question determines your health insurance premium. Simply put, your medical need is directly proportional to the premium. To better understand this, it is essential to know that there are two types of health insurance in Switzerland, basic and complementary. Basic health insurance entitles you to all necessary medical services, such as accident care and emergency services, maternity care, psychiatric care and vaccinations. Supplemental health insurance helps people who frequently visit the doctor for medical reasons such as lifestyle diseases, neurological abnormalities, cancer, cardiovascular disease, etc. Evaluate your medical needs before deciding to purchase supplemental health insurance.
Do you need accident coverage? Take accident cover to reduce the premium
Exercise this option with caution! Exclude this component only if your employer covers you for work and non-work accidents. For this, you must be employed at least eight hours per week with the same employer.
Should you keep the deductible less or more?
The care with which you design your supplemental health insurance determines whether your insurance is cheap or expensive. Deductible and premium are two parts of this class of insurance. A deductible is a fixed cost for medical treatment that you pay annually, the lowest being CHF 300. Therein lies the catch! A higher deductible lowers the premium. Residents in good health opt for a higher deductible, bringing the premium into an economical range. There is still a cap. The highest deductible is CHF 2500.
Different insurers offer varying features and plans. Some combine basic insurance and supplementary insurance. Some exclusive features of the package, but mark up the premium. Therefore, it is wise to patiently make a systematic comparison of health insurance plans and offers offered by insurers before settling for them.
Are you particular about the doctors you want to see?
Basic insurance offers you many health care facilities, but does not give you a choice of doctors you want to see. To keep your insurance cheap and sustainable in the long term, you may want to stick to basic insurance and not opt for supplementary insurance, which increases your rights for doctors, hospitals and health services. your choice.
Should you cover your family with just one insurance?
When making a comparison, look for supplemental insurance plans that cover you and your family members. You significantly reduce the premium this way. Protecting yourself, your spouse, your parents and your children under a single plan rather than individually helps. In addition, if you are on a family trip, including the baby and the mother, you are guaranteed protection against any unfortunate medical emergency which may not be included in the basic insurance. For example, if your baby unfortunately arrives into the world with health problems, they are unlikely to be eligible for additional insurance. Here, a family plan proves beneficial.
Will paying a lump sum help you make your insurance cheap?
Yes indeed. When reviewing the plan, ask the insurer if they accept 100% payment in advance or semi-annually. If your income allows it, opt for this payment term to significantly reduce the premium. There are many health insurance comparison sites in Italian available.
Do your cantonal laws contribute to reducing the premium?
The health insurance system is not centralized in Switzerland. The cantons, or the States, have their regulations on sickness insurance. The amount of premiums for the same insurance may differ from one canton to another. So, when taking out insurance for yourself or your family, ask the insurer to share the cantonal premium rates with you so that you can benefit from them.
The factors that can increase or decrease your health insurance expenses are numerous, but they are not complex to understand and apply. It is your own money that determines the quality of medical care to which you are entitled. Invest your money wisely to get the most out of the health insurance you purchase.
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