We recently published two articles about the planned increase of the minimum deductible in Switzerland’s basic health insurance from CHF 300 to CHF 400. The government argues that this could help reduce healthcare costs by making people pay more out of pocket before insurance coverage kicks in.
Critics question whether this actually saves money or simply shifts costs onto patients. They claim that the increase would mainly affect people who cannot afford a higher deductible, including those with lower incomes, older individuals and people with chronic illnesses. They will still need medical care, but would have less money left for everyday life. At the same time, there is ongoing debate about whether enough is being done to reduce costs elsewhere in the system, for example with medication prices or inefficiencies in care.
In our community, opinions are quite divided. Some see the measure as unfair and disproportionately affecting vulnerable groups. Others argue that rising healthcare usage and expectations also play a role and need to be addressed.
What do you think?
Is raising the deductible a reasonable way to control costs, or does it mainly shift the burden onto patients?
https://www.beobachter.ch/geld/krankenkasse/ein-hohn-gegenuber-dem-fussvolk-925576
Posted by beobachtermagazin
9 Comments
Just get this shit managed by the state and index to the freaking income.
Our healthcare system makes me so fucking sad. In a way, we have one of the best in the world, but when I see how many medical professionals are not that professional, it makes me worried for other countries… But well, maybe the first thing would be to reduce the price of medication that we produce in our country but sell like it’s gold… It’s cheaper to go to France or Germany to buy Swiss medication, produced in Switzerland, and come back than buying here what we produce… And maybe getting more competent doctors could help as well. It will be very debatable, I totally agree, but when you have to see two different doctors to get totally different diagnoses and then only one is correct, wtf… These are people’s lives, not a car that is not starting and can be replaced…
Let me guess SVP is supporting this and then cries, why swiss people have no children. But in some years a family of 2 children has to pay 2000 CHF per month is apparently fine for them 😀
Who? As usual, the middle class.
Don’t those with the lowest income use the highest deductible already to “save” on the insurance cost ? And those who can afford the insurance premium for a lower deductible are those who will do it because they expect to spend more than 2500chf on their health anyway, so it also wouldn’t discourage them from going the doc.
The variable deductible system advantages those lucky enough to be in good general health and already disadvantages those with the lowest income.
I fail to see how this 100chf per year is going to change anything in the psychology of the population. And I fail to see how the 100chf saving per person per year would change anything either.
the yearly increase in premiums is anyway way more than this 100 CHF franchise increase would be… so how much of an impact can this realistically even have
I paid 40k of insurence these past years and was always too poor to see a doc when needed and I (somewhat luckily) never had a single cost linked to health that I got reinbursed
Now I will pay more and still not be able to see a doc
When my french friend pay 25€ and got refunded 20€ to see a doc whenever they feel like it, it is a bit unfun
I love the concept
I reduce my healthcare costs by just not going to the doctor and hoping my issue goes away by itself.
It works pretty well… So far…
Get rid of the middle man and calculate premiums by income. Boom, it’s solved.