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HEALTH INSURANCE

Swiss MPs oppose new health insurance model

Swiss Health Minister Alain Berset says citizens should be able to vote this year on a proposed new health insurance system that would replace multiple private insurance providers with one single insurer.

Swiss MPs oppose new health insurance model
Health Minister Alain Berset. Photo: Swiss Federal Assembly

Berset was quoted by the ATS news agency as making the comment on Wednesday when the lower house of parliament rejected the initiative by a vote of 124 to 61.

The senate earlier opposed the proposal, which is set to go to a national referendum, although a date for the vote has yet to be fixed.

Left-wing parties support the initiative, which would replace a system involving around 60 private insurers who provide mandatory healthcare coverage with a range of premiums, in addition to optional supplementary cover.

Right-wing parties say the current model provides competition and a method of financing healthcare that works well with a high level of satisfaction from users.

They argue that a single-insurer system would remove freedom of choice for patients to choose doctors and hospitals, although this is contested by backers of the initiative.

It would be like having “neither Migros nor Coop but a single store, with one kind of yogourt at the same price,” Hansjörg Walter, a Swiss People’s Party MP from Thurgau, told parliament, ATS reported.

One of the arguments made in favour of a single insurer is that it would reduce administrative costs, but conservatives argue that this represents only five percent of healthcare spending and the amount is dropping.

Jacqueline Fehr, a Socialist MP from Zurich, maintained that having 60 insurers with 300,000 models of insurance offered “chaos” rather than competition, with “business” taking precedence over the well-being of the Swiss population, ATS reported.

Every year, Swiss residents have the right to change their healthcare insurer, and companies compete through advertising to attract new customers.

The parliament has urged a vote on the initiative as early as possible, with some in the right-wing camp fearing that the issue could offer a platform for left-wingers in the 2015 federal elections, according to ATS.

The federal government is opposed to the initiative and Health Minister Berset, a Socialist party member, has been obliged to go along with the cabinet’s decision.

But Berset said he hoped MPs would support other measures to reduce healthcare costs.

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LIVING IN SWITZERLAND

Taxes to work permits: Who deals with what in Switzerland?

Like other countries, Switzerland too is a bureaucracy, where various government agencies oversee different functions of public and private life.

Taxes to work permits: Who deals with what in Switzerland?

Unless you are a hermit and live off the grid, you will, sooner or later (probably sooner), have to deal with administrative processes of one kind or another.

In this respect, Switzerland is no different from any other nation, with the only difference being that because it is small and well-organised, the bureaucratic machine is running smoother here than elsewhere.

On the plus side, because it is fairly efficient, dealing with various public entities is probably less of a hassle in Switzerland than in less tidy administrations.

If you are a foreigner, especially a newly arrived one, you may not yet be familiar with the workings of various government agencies — in other words, who does what.

The first thing to know is that very few tasks that are likely to affect you personally are done at the federal level; most administrative processes are handled by cantons and municipalities.

These are some of the most important services, and who is responsible for providing them:

Pensions: federal and cantonal

The Federal Department of the Interior regulates and supervises obligatory pension plans, while the Federal Social Insurance Office implements the scheme.

Your pension, however, will be paid by your canton’s social insurance office

Work / residence permits: cantons

Permits are delivered by your canton, though the application procedure is different depending on whether you are an EU / EFTA national or a citizen of a third country.

Cantonal authorities are also responsible for renewing / extending expiring permits.

Taxes: cantons

As the cantonal tax office calculates how much taxes you owe in any given year, your declaration must be sent to cantonal authority

They will collect the cantonal, federal, and municipal taxes, distributing the money proportionally among them.

Driver’s license / car registration: canton

Anything related to driving — tests, licenses, vehicle registrations, and inspections — is the responsibility of cantonal automobile services

Health insurance subsidies:canton

If the monthly premiums of your obligatory health insurance (KVG / LaMal) exceed 8 percent of your income, then you may qualify for subsidies (premium reductions) from your  canton of residence.

You can apply for them here

READ ALSO: How do I apply for healthcare benefits in Switzerland?

Social aid: canton and municipality

Welfare assistance comes under the responsibility of your canton, which will consider your application and determine if you are eligible for financial help.

However, you should submit your application for assistance to your municipality, which will then transfer it to the cantonal welfare office.

As you can see, most public services are managed by cantons, so you may be wondering what is the role of your local municipality / commune?

They do their share as well.

For instance, they manage a register of residents, organise and maintain their own fire brigades, civil defence units and police forces (the latter two mostly in bigger communes).

They are also responsible for schools on their territories, as well as local energy supplies, municipal roads and parking, waste management, and infrastructure planning and upkeep, among other tasks.

READ ALSO: What exactly does your Swiss commune do?

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