The average for this group is three visits a year.
My point earlier about people visiting more often when they have used up their franchise was anecdotal (People have told me they do that), but the evidence doesn’t back it up as a widespread practice so I will admit I am wrong there.
In fact, it’s probably the opposite and people in Switzerland generally go to the doctor less than they do in other countries due to the deductables they need to pay so you’re statement you made earlier may be true but the costs involved mean it doesn’t work in practice and many people avoid going to the doctor here when they really should, due to the cost.
My point earlier still stands - if the Swiss system is considered very inefficient then there must be ways of improving it.
Singapore seems to be the only reasonable example of medical care organization one could at least try to implement here. But i think it is evident to everyone that swiss system in its current form is a rip off from all directions that only spirals every year, and nobody is willing to do anything about it, so in 2035 who would want to pay 1000chf/month with 2500chf franchise?
Well data doesn’t reveal that to us…who knows. After reading a bit what Singapore has, i think this is reasonable to have first steps: individual medical account, yearly fee towards ‘catastrophic illness’ expenses, government fund to subsidize those who cannot afford beyond that the bills. So risk pooling is only towards serious illnesses with bills >10 thousand and not demanding risk pooling for every sneeze of everyone.
I had a look at that report in some detail, a few things are very clear from the report:
Average net costs per person are fairly even up to age of say 50, increase somewhat up to the age of 75 and then are significantly higher beyond the age of 75
However, due to the numbers involved in each age category, total costs per age category are fairly even up the age of 75 (about 5% for each group) accounting for 91% of all cost, those above 75 incur the final 9%
Of this older group 76-80 (4%), 81-85 (3%), 86-90 (1.66%), above 90 (0.93%)
Just based on the number alone, and ignoring every other consideration, denying healthcoverage to the older population would not be a solution to Krankenkasse costs
‘Medical treatment’ do not always affect the Lamal-KVG premiums.
For children, pretty much everything costly (beyond mundane visits, vaccinations and the occasional accident) is paid by the child’s AI/IV invalidity insurance (with a special part for medical treatments, from ergotherapy to teeth straightening, because they are assumed to “exist” since birth). The bills go to the health insurance, but they get forwarded and paid by the AI-IV offices.
Some of that would be work-accident related, which is a different beast.. Car accidents will see medical bills covered by car insurance.
Many treatments do not fall under basic insurance, but complementary or paid for by the patients themselves..
Baume Schneider should contact me , a new payment system for healthcare:
Component
What happens
Catastrophic insurance
CHF 600/year, permanently lost like normal insurance
Personal Health Account (can be invested)
CHF 3,000–4,000/year, belongs to you
Routine healthcare < 12k chf
Paid from your personal account
Moderate expensive illness < 100k chf
Personal account + health credit (max 50k chf, otherwise catastrophic insurance)
Truly catastrophic illness > 100k chf
National catastrophe pool takes over
Poverty/congenital severe illness
Separate tax-funded safety net
Death with unused savings
Account passes to heirs
This would be more balanced in combining personal responsibility towards your illnesses without getting bankrupt, and yet getting needed care in catastrophic scenario…
And very important that all medical providers publish their prices! make them transparent for at least most common procedures, transparency is a key to having a choice for consumers
The pdf and data are only for KVG, the rest of medical circus is not included in that data. Those numbers are not what actual medical costs (they are ~100 billion O_o holy cow), but what insurance paid as part of KVG insured services.
I don’t think anyone’s surprised that premiums rise with costs. The issue is whether the increases are reasonable and proportionate. Expected costs explain higher premiums, but they don’t automatically justify every increase or excuse poor incentives.
It’d be nice if we had a health savings account (HSA) which then could be used to raise your Franchise by the amount in it for the next year. That way we’d have more self responsibility in the system and poor people get financed by the state either way.
The matter of the fact is: This is not a political problem, but a demographic one. The only way to significantly cut costs here is to let (especially older people) die or carry more of the expense burden. Imho it’d be sensible that people that are in retirement need to contribute more to health insurance than a 20yo.
This is a good idea - nothing to argue imho - we don’t need more than one large catonal hospital per canton.
The reality is: This is an aftermath of the demographic collapse, a mix of lobby interests and very well paid professionals and a wrong incentive system.
Dump the wages of doctors in CH: Why do we need doctors that earn 300K+ here? In Germany they earn like 150K tops, 200K is more than adequate.
Same goes for all healthcare staff: We have 25% foreigners here, make them work the jobs we need to get cheaper, not as rich expats.
Get rid of the low Franchise options and start with 2.5K and go up to 20K if one can prove the funds. The 300 CHF is a fucking joke, especially because of all the absue… CH doens’t even have an exceptionally good or broad service catalogue.
Allow patients to make treatments abroad without asking questions and not only that: Reward them 1/2 of the difference of the treatment in a tax fre payout - would solve the problem really fast. Why is there no free market for private people here?
Lower the patent time for newly discovered medication and force farma companies to publish all studies related to said medication, so others can make it cheaper after fewer years.
a bit like the opposite
just joking
, a new payment system for healthcare: