Health insurance premiums: Saving tips for a healthy wallet

Switzerland is known for its high quality of life and excellent health care system. It faces a challenge that affects many citizens directly: the increase in health insurance premiums. Every year, we see a rise in health care costs, and the premiums follow suit. Therefore, we would like to show you some money-saving tips in this blog post to help manage the rising premiums.

1. Compare Offers

A common mistake is to automatically stay with the existing health insurance provider. Switzerland offers a variety of health insurers with different offers. Use comparison portals to check the various tariffs and see if there are cheaper options available.

2. Check Alternative Insurance Models

Some health insurances offer alternative insurance models, such as HMO (Health Maintenance Organization) or primary care models. These models can be cheaper, but they require you to stick to certain doctors or facilities. If this is acceptable to you, these models might be a good option.

3. Rethink Deductibles

The amount of your deductible also affects the amount of your premiums. Consider adjusting your deductible to lower monthly costs. However, keep in mind that a higher deductible also means that you have to pay more out of pocket in case of health expenses. As a small tip: financially, it makes the most sense to set the deductible either as high or as low as possible.

4. Use Bonus Programs

Some health insurances offer bonus programs that reward you if you participate in preventive measures. This can range from regular exercise to preventive medical checkups. By participating in such programs, you can not only promote your health but also enjoy financial benefits.

5. Keep Deadlines in Mind

Do not forget to keep an eye on cancellation deadlines. If you decide to switch your health insurance, adhere to the specified deadlines to avoid unnecessary additional costs.