3.5% of premiums
Collection of data 11/2016
|Reserves of the health insurer Klug||2014||2015|
|Number of policyholders||15,715||17,370|
|Reserves in millions of CHF||8.3||7.6|
|Minimum reserves in millions of CHF||7.4||9.2|
Tel. 041 724 32 78
Fax 041 724 20 45
Average number of policyholders in the previous year (basic insurance only).
Including reserves for optional daily benefits insurance.
Since 2012, the minimum amount of reserves has been determined based on a model that takes the insurance companies' individual risks into account (Health Insurance Act (KVG) solvency test, cf. Art. 78ff Health Insurance Ordinance (KVV)). Insurance companies whose reserves are below the minimum amount (solvency ratio < 100%) are subject to the old reserve requirements until 2016.
The solvency ratio indicates the ratio between the existing reserves and the minimum amount.