Tips to save on your health insurance
Firstly, it's a simple reality: the benefits covered by basic health insurance are the same for all health insurers in Switzerland. This is regulated by KVG. However, the difference between the premiums from one health insurer to another is striking. To avoid paying too high a premium for your health insurance, we have developed some relevant tips.
All our tips for saving on your health insurance have been elaborated in partnership with bonus.ch and are at your disposal free of charge. By applying our advice, you can save thousands of francs for yourself and your family! Use the information which is completely unbiased along with the free comparison tools to make informed choices.
1.
Compare the health insurance premiums and change insurers
Why pay more for the same benefits? Compare all the health insurers. A change could turn out to be a lot more advantageous for you!
2.
Choose an excess appropriate to your expenditure and health
The higher your excess, the less you will pay on the health premium. But beware! Analyze your expenses and your health to evaluate your needs before you decide on an excess.
3.
Select an insurance model that corresponds to your needs
Knowing your needs will help you to find the insurance cover that best suits you. In choosing an alternative type of insurance model: bonus, HMO, Health Network, a family physician, telmed, you are able to make savings.
4.
Exclude accidental insurance
In principle, your employer provides insurance against the risk of accidents. By submitting your certificate confirming it to your medical insurer, you are able to save by excluding the accident cover from your medical insurance contract.
5.
Check your rights to subsidies
Are you on a low income? A reduction in your health premium will surely benefit your budget. Too many policyholders that are eligible for subsidies do not apply to the government. Do not make the same mistake. Check to see if you are entitled to a subsidy from your local canton.
6.
Assessing your additional insurance needs
By changing your basic insurance you are not obliged to change your complementary insurance. By separating them you are also able to make savings! Properly evaluate if you really need complementary insurance and whether or not the costs are exceeding the benefits.
7.
Suspend your insurance during military service
If you are employed you are able to save by suspending your insurance whilst you are called up for military service. After the period of service simply send the certificate to your medical insurer.
8.
Take Advantage of discounts depending on your method of payment
Most insurers offer a discount if you pay the annual premium in advance. Installments of up to 3 payments can also often make you eligible for a discount. Check this out with your health insurance company!
9.
Benefit from changing within the same insurance group
You appreciate the quality of the benefits your health insurer provides, but you are seeking a cheaper solution? Check to see if you can save money from a change even within the same insurance group.
10.
Find the best solution for the whole family
By insuring the whole family with the same medical insurer you are often able to benefit from a discount. However, the comparison for the family could show even more savings could be realized by insuring each member with a different insurer!
