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HEALTH INSURANCE

Swiss health insurers warn of premium hike in 2020

Switzerland’s health insurance premiums are set to rise three percent in 2020, the industry association of health insurers Santésuisse has warned.

Swiss health insurers warn of premium hike in 2020
Generic medicines cost twice as much in Switzerland as overseas. File photo: Depositphotos

In a statement on Tuesday, Santésuisse said that after lower than usual rises of just one percent in 2018 and 1.7 percent in 2017, the “respite” could now be over.

It said that rising health care costs in sectors including physiotherapy, laboratory diagnostics and outpatient care meant health care premiums could shoot up as much as three percent next year. 

Read also: What you need to know before you take out Swiss health insurance

Santésuisse said the government needed to take action to fight spiralling costs in the national health care system.

The association made special mention of the need for measures to bring down the costs of medications in Switzerland.

It also noted that generic medicines cost twice as much in Switzerland as overseas and called on patients with prescriptions to be allowed to buy medications overseas and then be refunded by insurers.

Years of premium increases

The news of further rises in health insurance premiums will likely not be welcomed by people in Switzerland.

Almost everyone in the country needs to take out compulsory basic health insurance with around a third of the country’s healthcare costs funded through this compulsory system.

However, the cost of this obligatory insurance has shot up twice as fast as GDP and wages since 1996, causing plenty of anger.

Both the Socialists and the Christian Democrats have said they plan to launch initiatives aimed at bringing down healthcare costs and premiums.

The Socialist plan would see health insurance contributions capped at 10 percent of household income. Households paying more than this would receive subsidies. This system has already been introduced in the canton of Vaud.

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HEALTH INSURANCE

Could glasses and contact lenses soon be covered by Swiss health insurance?

The Swiss health system is ranked among the best in the world, but some essentials, like glasses, aren't automatically covered by health insurance. That could soon change, however

Could glasses and contact lenses soon be covered by Swiss health insurance?

Green Party Federal Councillor Katharina Prelicz-Huber revealed in an interview with newspaper 20 Minuten this week that the Federal Parliament had tabled a motion to include prescription glasses and contact lenses in Switzerland’s mandatory health insurance scheme. 

Prelicz-Huber stated: “The purpose of compulsory health insurance is to provide the services you need to get or stay healthy,”

The motion forms part of the legislation that will be voted on during the 2024 summer session of the Federal Council. 

Proposed changes 

According to Switzerland’s peak optician body, 4 in 5 Swiss wear glasses or contact lenses at some point. 

It’s no surprise that statistics repository, Statista, projects the Swiss eyewear industry to be worth €1.37 billion by 2028. 

Currently, glasses and contact lenses are covered for up to 180 francs for children until age eighteen, if they are proscribed by a doctor.

Adults can also claim money back for glasses and contact lenses – however, they must be suffering from one of a short list of specific conditions such as keratoconus – where the cornea is distorted – or severe myopia, otherwise known as near-sightedness.

They must also have been specifically prescribed them by a doctor or optometrist. 

Otherwise, supplemental optical insurance must be purchased in Switzerland to ensure you can recoup the cost. 

Under the Green Party proposal, glasses, contact lenses, and other visual aids would be covered, regardless of age. 

Rising premiums prompt opposition 

Not everybody agrees with the proposal. 

The right-wing SVP has already spoken out against it, with Federal Councillor Diana Gutjahr arguing: “If we seriously want to slow down the burdensome and constantly rising health costs for the benefit of the population, we [must] show the political will not to constantly expand the benefits of compulsory health insurance.”

A spokesman for the the health insurance advocacy group Santesuisse, Matthias Müller, echoed Gutjahr, claiming that insurance constitutes “financing for extraordinary events such as illness.”

“If almost everyone benefits from a certain service, it is no longer an insurance benefit.”

A date for the vote has yet to be announced. 

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