it's unbelievable how those crooks raise their fees. I use to pay 198.- per month and since 2016...bim! 238.- per month.
How can it be that there is so little competition in the health insurance market? (i know it's overregulated etc etc but still....it's insane I reckon)
Is there anything I can do to pay less?
Groupe mutuel supposedly prices me at 210.- and it is arguable the lowest price tag around - but I have to wait till next june I guess.
For me, Assura is still the cheapest.
Also, this thread belongs in the complaint section.
There is anyway a sort of equalisation mechanism, whereby insurers which have successfully attracted many younger, low risk clients, have to compensate the insurers with a more 'mature' client base.
What's cheap today is not cheap tomorrow.
Premiums have gone up anyway this year.
Health insurance premiums for 2016
And you’ll have to wait until November, not June.
What's upset me is that I am a 0.- CHF cost for an insurance and still there is no way I can escape price raises.
I could even envisage to be uninsured but that again is not possible.
Why could not insurance companies price their clients based on their risk? Instead that price them as "taxpayers"
If your contributions to your Krankenkasse were simply part of a payment plan for the costs of your health treatment during the year, then it would not be insurance in that sense, would it ?
Your only chance is to strip off all extra options on the policy and chase around each year for the cheapest insurer.
If you smoke everyday it's a lifestyle choice and I am not obliged to have my premiums raised year after year to cover your unavoidable illnesses.
Alcoholics also fall in that category. Any poison you put in your body is not something the rest of us should be subsidising.
Might even help reduce these phenomena if their insurance was through the roof.
A selection of my posts on the subject:
Link to the post
There is a possibility to be insured based on risk, but basic health insurance thankfully doesn't use this model as its base. As you are resident in CH, you have to have basic insurance like everybody else, and costs do increase. Simples.
Also, don't believe that cost in risk-based insurance wouldn't rise more if more people were to take it out. And who's to tell you that you would be covered for risk-based health insurance anyway, no matter how healthy you are - you can be refused for any or no reason at all.
That's the whole point - basic health insurance is not risk-based. So forget charging certain categories of people who have certain illnesses extra.
If it were risk-based we'd have a gazillion different insurances - one for every illness because the people insured for one risk would say that they don't want to "subsidize" the risk they don't pose. Imagine where this would leave the elderly, pregnant ladies, mothers, chronically ill people etc. because people would say "I'm not paying because I can't get pregnant/she should've exercised more when young to avoid issue 1/2/3 in old age/they consumed substance a,b,c and thus have an illness which could've been avoided in my (non-professional, unknowing of the exact situation ) opinion" etc. etc.
Thankfully this isn't the case with basic health insurance. Health shouldn't be subject to cherry-picking IMO.
For a look into which treatments are covered by basic insurance, I suggest you look into the KLV , where you will see how treatments for certain addictions are covered.
Actually today's children will pay for todays's workers in the giant Ponzi scheme of things. So be grateful.
The system here kind of sucks but is still better than nationalized health care. Sure it would be nice if we were offered discounts for healthy living , the problem comes in proving it. Smoking, drinking, and eating healthy are not something you can reliably test. At least not for people who who do it in moderation. A chain smoker will be detected but an occasional smoker will not. Both have more unhealthy lifestyles than a non smoker.
Not sure where you are living, but my premium is only like 186 a month for the free doctor choice option with 2500chf, which is more expensive than their telmed and hausarzt options. If I had gone with telmed, it would have been like 154 a month if I recall! But 186 was still cheaper than my HMO option with Atupri, so I went for the free doctor choice.
If people really want the cheapest premium for the next year, they should just check on the Premium Overview and change accordingly or accept that yes, insurance premiums are rising every year and your company might not have the best deal for the next year. Since this is a complaint about Assura, I just wanted to point out that in my case at least, they still are the cheapest. Do your research people!
Mr. B and others ate all our social security money, and there is no way that these kids' contributions today will be anywhere near enough to pay for our pensions after all the trillions in debt in various categories have been taken care of. Sadly, the only hope to retire decently over the pond is having private or company (if available) retirement funds.
Same principle should apply as with basic finance, if you can't afford it don't have it. Simple as that.