Your Health Insurance in 2025

Banks, Insurances & Third Pillar
63

Never heard about it, but my best guess is that they then reach out to you to review your supplemental health insurance coverage.

Also brokers get commissions when you sign for a basic health insurance (they get even more for supplemental health insurance). This contributes to increasing the premiums, so just don’t.

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64

I thought that was prohibited, just checked and it isn’t. Same for advertisement, which I also thought was prohibited (it apparently isn’t).

I’m very baffled that we allow such costs for a mandatory insurance where what is covered doesn’t vary from an insurer to another (I know, I know, healthcare lobbies are very powerful).

ETA: both points are currently tackled in the parliament but who knows whether that’s going to go anywhere.

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65

I just switched to them. Reviews seem to be good, they also got good marks from comparis last year.

66

Isn’t cost for every insurance depending on who exactly is insured by them? It seems to me that companies which are able to offer cheaper services might have subscribers who use lower healthcare services at this moment.

I don’t know if having so many insurers is actually very efficient model if the principle is that overall cost is passed on to the insured parties in the end.

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67

So I just tried the tool, and indeed you can’t go through without selecting a supplemental health insurance from AXA.

They still have the premiums for 2024.

However, some of the prices they display are simply wrong (e.g., EGK Tel-Care is the cheapest for my region according to them, but the price shown is 52.60 CHF/month cheaper than in the data from BAG/priminfo). And if I am not mistaken it is not legal for them to discount the basic health insurance if you combine it with a supplemental one. So something is off, but I am not willing to sign up for a supplemental coverage to tell you what’s their business :sweat_smile:

68

I think anyways if you sign up with another provider, they do the work of cancelling the prior insurance. So AXA is more like a filling the form company in between

Their main business has to be to sell Supplemental because they know that if someone is willing to change basic , then they might also be a potential client

I would consider it as a lead generation activity :slight_smile:

69

That I get. As said above, my first guess was that they try (in this case, force) to sell you a supplemental health insurance.

What’s off is that they can’t sell you a basic health insurance cheaper than the price registered with BAG (as shown on priminfo). So what will happen after you sign up for their offer?

70

So more healthcare costs overall because the additional advertisement costs increase the size of the total costs in agregate (added individual costs for all insurers) but lower costs for that specific insurer, for whom the balance (advertisement-lower costs) could be positive because they’re attracting healthier people?

It could make sense for the insurer itself but still wouldn’t look like an efficient strategy on the collective side of things (total costs that have to be paid by insurees in agregate). Thanks for the insight.

71

I think they will correct their information in sometime. The price is same for everyone and shouldn’t matter who is selling you the insurance

But they can cross subsidize via supplemental in a way. Not sure

72

The price for my current provider is correct (again, for 2024).

You can see it as them forcing you to buy supplemental insurance. You could also look at it the other way: their supplemental insurances include a basic insurance comparison and switch service.

If you want e.g. a hospital insurance anyway, it seems like a very Mustachian product.

73

Actually I am just thinking that this whole system is just adding costs and need for switching from one party to another. The total costs are not changing. It’s just the breakdown of those costs are changing . But this system does add costs to system which is not really necessary.

Let’s say there are 100 people in canton. The total cost is X. They are distributed amongst 10 suppliers and all of the numbers add up to X.

If you are unlucky to be part of the company where more costly members are registered, you will also pay the higher cost. If everyone always moves to the cheapest provider, this would move costly members to cheaper providers and eventually everyone will end up paying the same price.

And if that’s the objective then why not just make it same price and cut the chase :slight_smile:

Things that need to be reduced are following and would benefit all of the members. The advertising dollars can be spend on something that actually matter

  • costs of medicine
  • unnecessary testing / diagnosis
  • Better use of AI to cut costs further

P.S -: I am all in for reducing costs by offering different ways of accessing services (callmed, telemed etc etc) but the base price for classic service should be same. Or else it kind of adds cost to people who are not very savvy about changing services every year

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74

Just to add on this, there is also a risk compensation mechanism between providers.

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75

Thanks for sharing. That explains why some providers see such a huge jump and some only the average

I think this mechanism is kind of providing a parity and then it’s upto providers to optimize further

76

I’m also looking at Agrisano Agri-smart model: flyer. It is app based (MedGate app) But under “Weitere wichtige Informationen” they write that the insured person is obliged to get consulting from BetterDoc. This reminds me of Assura Qualimed model. Does anyone have experience with Assura Qualimed?

Agri-contact model, on the other hand looks like a regular telmed model

1 Like
78

I read qualimed and pharmed conditions from assura. I think I will go for pharmed which does not contains betterdoc annoying conditions. I just have to buy medics in specific drugs stores, which is OK for me. Pharmed is 10 chf more than qualimed.

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79

Their chatbot model would be cheapest for the whole family, as well. I’m not ready for that, so that’s where I draw the line. Seems they even mandate it e.g. for pediatrician and gynecologist. Other insurances typically exclude that from their HMO or call-first models.

edit: removed a question, not relevant

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80

You mean something like 200.–/p.a. for gym membership? That’s part of supplemental insurance, I’ve never heard of insurers including it in basic insurance.

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81

Yes, but specifically for classes for kids. Just checked again, my mistake: Swim courses weren’t covered, after all. That’s what I expected, as well. I will remove that question.

83

Usually one has to mentally separate whether buying an insurance or a voucher. An insurance covering dental hygiene would typically be a voucher rather than an insurance (because you know everyone needs it once a year). The same with swim courses gym membership and the like.

Here’s more to the voucher/insurance mindset: https://open.spotify.com/episode/1CnYVyi2ceROMJwnBDhVsT?si=rVtZpdybQoaSdFTJD1ksTQ&context=spotify%3Ashow%3A2dt6QUvLNA3B76II80Q0Dv

When I was an apprentice, I had to pay my KVG. KPT basic insurance paid 250.- if one was member of the ski association (membership cost 50.-) so everyone became a member but these days are gone.
These days everyone offering swim courses, massages and lifestyle consulting says ‘you can check with your insurance if they pay’ and they usually mean supplemental insurance and whenever I checked this, I had precisely the wrong insurance to get anything back and I would have had to go with a much more expensive one to get a few bucks back.
I now cut back any supplemental insurance and I also go with the “I’ll pay it myself anyway due to the 2500 franchise” so can just as well go with the cheapest model and then visit any specialist I like and violate all Qualimed/HMO/Hausarzt/Telemed rules.

I know one day I will have a treatment >2500 and assura will go an*l but then either I put that cash on the table or I’ll figure out what to do.

1 Like
84

Agrisano sounds like Assura, not sure if I should go for it. I don‘t want to have problems with invoices, coverage etc.