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HEALTH INSURANCE

Health insurers eye higher costs for the ‘lazy’

Swiss health insurers could demand higher premiums from customers who live sedentary lifestyles under plans to monitor people’s health through wearable digital fitness devices.

Health insurers eye higher costs for the 'lazy'
Digital tools such as the Fitbit could be used to monitor customers' activity. Photo: Yoshikazu Tsuno/AFP

CSS, one of Switzerland’s biggest health insurers, said on Saturday it had received a “very positive” response so far to its pilot project, launched in July, which is monitoring its customers’ daily movements.

The MyStep project, developed in conjunction with the University of St Gallen and the Federal Institute of Technology (ETH) Zurich, is using digital pedometers to track the number of steps taken by 2,000 volunteers until the end of the year, synchronizing that data with an online portal on the CSS website.

The project, the first of its kind in Europe by an insurer, “should reveal whether and how insurance companies can introduce an appropriate offer tailored to customers’ needs,” Volker Schmidt, head of technology at CSS, said in a statement.

The pilot also aims to discover to what extent insured people are willing to disclose their personal data, and whether self-monitoring encourages them to be more active in everyday life, pushing them to take 10,000 steps a day.

“So far the response has been very positive”, Schmidt told newspaper Blick on Saturday.

At the moment digital tools can only legally be used with those taking out supplementary insurance, but Schmidt feels such technology could also benefit Switzerland’s compulsory basic insurance.

“Given the increased cost of healthcare, we will inevitably have to promote individual responsibility in order to strengthen solidarity between insured people,” he told the paper.

The implication is that people who refuse to be monitored will be subject to higher premiums, said Blick.

Peter Ohnemus of Dacadoo, a company specializing in collecting health data, agrees that digital tools could be useful to insurers and push people to take responsibility for their health.

“There’s no solidarity if someone who does a lot of sports and takes care of their health has to pay the same high premiums as someone who smokes, drinks and drives and does not play sports,” he told Blick.

Fitness wristbands such as Fitbit are just the beginning of a revolution in healthcare, believes Ohnemus.

“Eventually we will be implanted with a nano-chip which will constantly monitor us and transmit the data to a control centre,” he said.

Obesity in Switzerland now costs the health service eight billion francs a year, according to figures from the Federal Office of Public Health, rising from 2.7 billion in 2002.

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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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