Your Health Insurance in 2023

Banks, Insurances & Third Pillar
21

Let me dive into the discussion.

For those of you who would have gone to graduate school and have alumni status, it’s worth checking if you can get discounts through your membership. In my case, it’s not much and only for supplemental insurance, but it’s still a mustachian trick :wink:.

Also for employed people, it’s always worth checking with your employer if an agreement exists with an insurance company.

Aside done, for my part in 2023, the cheapest insurance is with Sympany, followed by Aquilana and Sanitas.
For the first two I have no idea what it is worth. But for Sanitas, I’ll gladly take your feedback with this insurance.

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22

It is always only for supplement insurance (VVG). It is legally no possible to offer such discounts in the mandatory insurance (KVG).
Also in my experience you can often get better rates by negociating on your own, at least when it comes to liability or Hausrat insurance.

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23

If we trust comparis, we will spend at least 80 CHF per month on our insurance, about a 15% increase! We could save about 20 CHF per month switching from Assura to Sympany, but I won’t change this year.

24

I went on www.priminfo.admin.ch : if we stick to our insurer (Helsana Telmed), increase will be 22.5%. Going for the cheapest bring that “down” to +10.5%…

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25

Currently with CSS-Arcosana in Schaffhausen. My family consist of 4 people (2 adults + 2 kids) with the family doctor model. Arcosana merged with CSS and they moved all Arcosana insurers to CSS from 2023. Price increase by 106 CHF/month in total. If I would change to the cheapest option in Schaffhausen, Aquilana Telmed model, I would have to pay 61 CHF/month more in total anyway… Since we also have the extra mandatory insurance with CSS, we will stay but changing my contract and my wife from family doctor to Telmed. Instead of pay 106 CHF/month more we will pay 78 CHF/month more, so only 17 CHF/month or 204 CHF/year difference with Aquilana. We will see in 2024… Really anoying by the huge increse in 2023!!!

26

The ‘merging’ of Arcosana with CSS is indeed bad for prices. Been with Arcosana Telmed for 7 years even though Assura or Sympany were 200-250 CHF cheaper per year sometimes. Not the most mustachian behaviour.

Moving to Sympany flexmed24 next year. Monthly premium stay same for me. Can still call medigate and go to same HMO I visited this year. I’ve been to doctor 3-4 times in last 7 years. How are these combo telmed+HMO options cheaper than either telmed or HMO alone?

My current Arcosana / CSS plan would have costed me 500 CHF more in 2023

KPT is cheapest though (50 CHF per year cheaper), but needs family doctor (which I don’t have) and doctor’s referral for specialist. I prefer to be able to go to specialist straight after telephone conversation or have first visit at HMO where tests (blood, ECG) etc can be done on site.

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27

I had the same question.
Their “win.win” option is cheapest yet mentions that it’s an OR/choice between the two.
Perhaps the Hausarzt choice is not as free as with the “pure” Hausarzt option?

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28

Maybe telmed availability is cheaper, and people with a Hausarzt tend to have less health surprises?

I think win.win still requires you to have a Hausarzt on file.

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29

That is also what I understood from reading the details. Further your Hausarzt’s referral is need to go to specialist.

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30

Since I was born I stayed with Swica.
Now I downgraded from their model FAVORIT MEDICA to FAVORIT MEDPHARM (reducing from CHF 324 to 260 per month in total with Grund- und Zusatzversicherung).

31

Thanks for opening this useful thread!

For people showing monthly premiums < CHF 300, is it this low because of age, location, or both?
I didn’t realize prices could vary so much between locations until today.

32

I am still not 100% clear on the diffs.

HA

TM+HA

The latter is cheaper, I suppose because you can avoid the HA visit step (so you save them some cost too)?

The only additional difference I see is that the win.doc model is explicit about
“Freie Arztwahl: Sie können Ihren Hausarzt frei wählen”.
Is the choice of the Hausarzt “forced” with the win.win, i.e. they assign you one?

33

Read the french version as well, there’s nothing about having to use a specific praxis or doctor, it’s you Hausarzt.

I think the difference is mostly in the marketing (which possibly segments the insured population in a way that it makes sense to have different premium), win.win is expected to use the hotline more frequently.

Also in the win.doc version only the doctor can refer you to a specialist, while win.win can be referred through the hotline.

34

Main health insurance is independent of age. It’s only the location that makes the difference. I could move 200m and save 50-60chf per month for example.

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35

There are only three categories of age : children (>18), young adults (18-25) and adults (>25). As ma0 stated, premiums depend on your location and the model you choose (base, telmed, HMO, etc.).
The majority of cantons have only one premium region, whereas big ones are cut in two or three regions. BS, FR, SH, TI, VD, VS have two, and BE, GR, LU, SG, ZH have three.

See Premium regions (admin.ch) for further details.

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36

Will move my family from Helsana to CSS, that will save us compared to now 50.- and compared to the 2023 prices almost 100.- per month.

We are still unsure about the extra insurance, though. Question to the pros here, do you really need one if you’re perfectly healthy, never go to the doctor and the only useful thing would be the yearly gyno-checkup? Maybe something like the cheapest from CSS makes sense in combination with their active365 to earn some back, but else?

Thanks for your input

37

Due to preexisting condition, supplemental mostly makes sense for the future, not now. So you’d take for a potential future benefits potentially many years from now.

If you know you need it, it’s too late.

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38

I don’t know KPT, but there are not good reviews on Google.

In my opinion the killer complementary insurance is in Swica (if you go to the gym, you have glasses/lenses, you do a vaccine a year, dentist once a year).
Then Assura would be probably the best one for the basic, but I prefer to to have everything in one place even if I spend a bit more.

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39

For what reason? Gym, dentist, contact lens aren‘t really things where you risk a fight between KVG and VVG.

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40

Not the best reason in the world…to be honest. Just because I can speak with one person for everything saving me a small amount of time.
Just checked Assura and the price difference for the family doctor is CHF 65 (for Swica there is definitely the new price 2023, not sure fo Assura). So that sounds a lot of money saved with Assura.
I didn’t find a similar model to HMO (medical center with all the specialists as well) in Assura.
HMO costs CHF 15 less compare the family doctor in Swica.

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