Choosing a higher deductible is a personal choice. I made it, I got a health issue once and paid deductible + co-pay or whatever is the name. Total, 3’200 francs. TBH, I don’t see people going bankrupt for 1 or 2 months of rent.
You’re right about the EU immigrants. UDC is posing as problem-solvers when they already know that agreements with the EU block this alternative.
The only real thing here is price inflation and not mentioned at all. Last times deductibles were updated was on year 2005. The inflation calculator of the Swiss government says 11.8% increase from 01.01.2005 until today. That means the 2’500 deductible should be around 2’800 to keep up with price inflation.
Let’s take the simple example of a doctor educated say in Germany arriving to work in Swiss health care system - Switzerland contributed nothing towards the cost of their education but UDC/SVP seem to think these people should be penalised for the first five years
Well, from experience health costs can snowball. In 2008 I was diagnosed with prostate cancer. Over the next few years, surgery, hospitalisation, medication, radiation etc, etc, probably exceeded 2.5k. Not saying I would have gone bankrupt but I certainly would not be as comfortable as I am in retirement.
It can happen to anyone of us and there appears to be no cap on medical costs.
Total cost is health insurance of 3’200 CHF per year (max deductible) + lost income + irrecoverable costs (transport, expenses not covered by health insurance, etc).
The big one in the sum is lost income. I better read the terms of that insurance again
I’m pretty sure this has been posted somewhere before, but in light of the above bears repeating:
The SVP demanded an analysis of health care costs by nationality. The Bundesamt für Statistik looked at costs from 2019-2022 and… drumroll… their analysis showed that Ausländers actually cost the health care system less than Swiss citizens do.
Interesting report. Found a more detailed version here:
What is interesting is that immigrants from certain countries do cost the system more. Namely from Georgia. But also from Uruguay, Guinea, Central Africa Republic and Mauritania.
The main reason that the Swiss on average do cost more is that they are mostly older than the immigrant population and in the last years of life their health costs are significantly higher.
Also the study did not take into consideration dual citizenship.
The analysis seems incomplete. Asylum seekers get health care even if they don’t pay their premiums. Those unpaid premiums should be included in the costs, along with unpaid deductible and co-pay.
There’s also the aspect of accident insurance, if you’re not working you can include this in your mandatory health insurance (for around 20 chuffs in the example case I checked). As a consequence the scope of coverage differs for these two groups.
And of course pre-convid might have been a more reliable year to use the data of.
Italians are (among) the first immigrants, their costs are above the Swiss average even though quite a few probably migrated back when they retired. Might be the consequence of working construction.
I find it interesting to see Italy’s statistical weight in the country groups. Southeast- and southwest Europe cost 2.4k and 2.7k but once you include Italy (it’s only part of southern Europe) the average shoots up to 3.6k, which is almost the same as Italy’s average of 3.7k.
Look at Anteil der Netokosten (Share of net costs). Quick numbers:
Georgia: 9 million people in Switzerland * 0.02%, implies 1’800 people.
Mauritania: 9 million people in Switzerland * 0.001%, implies 90 people.
Actual population numbers should be lower because net cost per person is higher. Anyway, it gives an idea of the populations. Small populations skew statistics,
Auch, Ticino gets the double hit of the young leaving for education or work and the 65+ YO people moving there for retirement: +7.1% increase in premiums.
Internal migration causes what foreign migration is blamed for.
