I think this system is flawed. If all people over 25 have the same premium, then the younger people pay the premium for the old. So the younger people will have to bear the weight of an aging society. It is really a hidden tax.
I think the premium should be set separately for each birth year, with a provision that the difference in premium between two subsequent years should not be higher than 1-2%.
Soo itâs like Pensions? Itâs by design. If if were like you mean, someone will then add a surplus for foreign people because they might profit from the system and go to pension elsewhere.
Next step would be to âtaxâ more smokers or people with disabilities (!!). Women might also pay more etc etc. Thatâs a big no no.
I personally believe they should raise the price to smokers though. Itâs the only clear cut âthingâ we as human do that itâs clearly useless and unhealty. Hard to track though,
Cigarettes are already taxed
Not enough. I wish a pack would cost 50 CHF. Or health insurance twice the price. Maybe my GF would finally stop then.
It would be very easy to make the premium depend on age. Donât need to verify anything. Itâs also not discriminatory. I just think each generation should bear their cost of healthcare. There already is pension, why mix the two? Btw car insurance is dependent on nationality, if we take your analogy. Swiss nationals pay maybe 1200 per year, and foreigners pay 2x that.
I donât see how you would like to implement a higher premium for smokers. How do you prove it? Do you make different tiers depending on the number of cigarettes smoked per month?
The foreigner thing was an idea Iâve heard from some weird guys⊠but the reasoning it works with the health insurance is that you donât pay just your services now, you pay your future services.
The reason car insurance is linked to nationality itâs only because some statistician said that it should be like that.
Do you know how are divided thoses zone? There are 3 in Bern, and I wondered where I am.
Donât you see that itâs the opposite? What you pay now is spent now. So what is not spent on you, is spent on the elderly of today. The Krankenkasse does not have a buffer to keep for when youâre old. When you and me are old, we will pay higher premiums anyway, because there will be many older people and fewer young people.
What you say would hold true only if the generation tree would not change. But it does. That why I believe every âJahrgangâ should pay their own premium.
check out my map above. The way it looks, Bern city is the most expensive, Bern suburbs follow, and the Oberland is the cheapest. But all in all, canton Bern looks expensive.
Thank you!
I was so tired that à thought that the dark red around Bern was the whole cantons⊠
Thatâs great, Iâm in region 1 
By the way I found a more detailled document that completes your image:
Excel of all regions
Itâs like AHV. I say that you pay for the future, but right now your money goes to the elderly, the new young will pay for you when you are old.
If there are still young people around by then.
Hi,
I just checked insurance with primeinfo, no surprise there, assura was the cheapest. First their new qualimed model, and then their Pharmet (which I have already now)
However, when I went to assura website, first of all the Qualimed model was not visible. Guess it is because it is new, will call them up for that once I have time.
But more intriguing was the fact that the prices of primeinfo and the assura website where not matching. I got a difference of about 7.25 CHF/month.
Did anyone experience the same ?
Edit : Problem solved, it is some reimbursement of some Environmental fee, whatever that does mean⊠Wondering if this is the same of all insurances.
I also could not find this so called Qualimed model which is listed on priminfo.ch⊠weird.
Also note that the AssurCall model I mentioned previously in this post seems to only be available in the cantons of BL or BS.
Well you could see it as a quality control. They will only send you to doctors which treat you efficiently⊠Assura has no interest that the quality of the care will go down, since follow-up costs of bad treatment will be much higher than the initial saving.
BTW as far as I know, they still propose you 3 specialists from which to choose. And if the housedoctor decides you need to go to a cardialogist, they will propose you 3 cardioligists⊠They will also not question the decision of seeing a cardiologist.
And honestly, we live in f*ing Switzerland where all doctors have good education. I mean in Third World countries yes, I would look at to which doctor to go, but here, just relax about that⊠(and I lived in this kind of countries)
Haha my gf just asked me yesterday: are you at Assura? Oh my god, they will ask some company in Köln where to treat you, so bad!
Another random clickbaity news she read on 20min.
Late to the party, but if you want the details regarding the PrÀmien:
Regarding the ages, itâs from 0-18, 19-25 & 26-infinity, as Erma mentioned.
You can find all the prices in this very big excel document (this is for next year) provided by BAG. If you want to filter for a specific Versicherer, you will find the Versicherer-ID here.
PrĂ€mienregionen are listed here (Excel Link at the bottom, use tab âA_COMâ). Not all cantons have different regions.
Hope that helps!
Side note: some supplemental says from 0 to 99. If you are 100 years old you have no supplemental insurance 
Well. itâs like
Everyone:âDoctors are to expensive!â
Doctors: âNo we arenât, ask the expertsâ
Experts (also doctors): âNo, we they are not expensiveâ
So itâs normal that someone here is upset. Iâm not sure it matters, letâs hear a story first.
Regarding any reimbursements â does this work like a home insurance i.e. the lower the insurance the lower the cover? I have the highest deductible CHF 2500 p/a and if I should go above that will a lower premium equal lower reimbursement?
The difference in price for a given health insurance is only due to deductible, not any other factors. I would be very surprised if it way any different.
