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You can save several hundred francs by cleverly changing your insurance model. Source: iStock / sturti
Almost a third of people in Switzerland have the wrong basic insurance because they have selected a model that does not correspond to their needs. Many policyholders do not know that, in many cases, it is possible to change one's model as of the next month.
With regard to the mandatory basic insurance, Swiss policyholders have not only free choice of providers, but also free choice of models. Besides the standard model, which offers free choice of doctors, there are also the family doctor, HMO and Telmed models.
Depending on the model, you can, on the one hand, define the procedure to follow in case of illness and, on the other hand, also optimise the monthly premium for you and your family. However, besides easing the burden on your personal budget, the alternative models also help to curb the increase in health care costs without compromising the quality of medical care.
According to a representative survey conducted by the Link Institute on behalf of comparis.ch, 31 percent of the Swiss population, i.e. 1.8 million people, have selected a model that does not really meet their needs.
Many policyholders are unaware of the fact that it is possible to save several hundred francs per year by switching from the wrong model to the right model for them! It was calculated that, by optimising all Swiss policyholders' models, roughly half a billion francs could be saved.
Changing one's model during the year is possible in the following cases:
And in the following case, changing models during the year is not permitted: