It won’t happen to me …

How many times have you heard this phrase said by anyone, or thought of? Well, not that it is necessary to have a pessimistic outlook on life, but being ready for any eventuality is a strong point.

Often and willingly we try to remove negative thoughts, losing sight of the reality of the facts: this is an intrinsic factor of mankind, always seeking the most comfortable and closest vision to our thinking, then finding ourselves having to face unpleasant situations unprepared. Health insurance is, in fact, one of these. None of us are immortal, so why not prepare in time?

Switzerland has about 60 different insurance companies on its territory that take care of the well-being of citizens and knowing how to choose the right one is of absolute importance.

How to choose the right insurance?

In 2022, after 14 years, the premiums will drop for all companies, thus giving the possibility, to those who have to stipulate a new contract or to those who wish to change it, to save considerably. The offer is for a limited time and will expire in November 2022.

The comparison between the various insurance companies is not as simple as you may think and the best solution is to rely on sites that offer health insurance comparison in Switzerland.

The key points of the insurance are:

• Deductible;
• Choice of doctor;
• Accident coverage.

The deductible

The deductible is a cost predetermined by the insurance, which provides for a payment by the customer in order to avoid an increase in the annual premium with a ceiling of 2,500 Swiss francs.

Choice of doctor

Every person resident in Switzerland must have a doctor assigned and not all of them have the same price, an aspect that affects the cost of the insurance itself.

Accident coverage

In Switzerland, accident coverage is generally included in employment contracts and, in the event of waiver, this allows the insurance premium to be lowered even further.

But I already have insurance

Swiss law allows every citizen to cancel or change any insurance contract by November 30 of each year. The Priminfo federal government premium calculator or calculators from third-party providers, such as Comparis, Moneyland, or Bonus, help compare offers from health insurance companies.

The Federal Council of Switzerland has stated that it intends to publish a report on the impact on health costs resulting from the pandemic by the end of 2022. For now, it is only known that the cost of premiums will drop by 1.3% for the cantons of Basel and Geneva, while Glarus and Jura will undergo an increase not yet defined.

Source: Plato Data Intelligence: PlatoData.io