Switzerland is known for its high quality of life and excellent health care system. It faces a challenge that directly affects many citizens: the increase in health insurance premiums. Every year we see an increase in health care costs, and premiums are following suit. Therefore, in this blog post, we would like to show you saving tips to get the rising premiums under control.
- compare offers
A common mistake is to automatically stay with your existing health insurance. Switzerland offers a wide range of health insurers with different offers. Use comparison portals to check the different rates and see if there are cheaper options. - check alternative insurance models
Some health insurers offer alternative insurance models, such as HMO (Health Maintenance Organisation) or GP models. These models can be cheaper, but require you to stick to certain doctors or facilities. If this is acceptable to you, these models could be a good option. - reconsider the deductible rate
The amount of your deductible also affects the amount of your premiums. Consider whether you can adjust your deductible to reduce your monthly costs. Note, however, that a higher deductible rate also means that you will have to pay more out of your own pocket in the event of health costs. As a small tip, it makes the most sense financially to set your deductible rate as high or as low as possible. - use bonus programmes
Some health insurance companies offer bonus programmes that reward you for taking part in preventive measures. This can range from regular exercise to preventive check-ups. By participating in such programmes, you can not only improve your health, but also enjoy financial benefits. - keep an eye on the deadlines
Don't forget to keep an eye on cancellation deadlines. If you decide to change your health insurance, stick to the deadlines to avoid unnecessary extra costs.
