Rising Health Insurance Premiums: Understand, React, and Optimize
The media is already announcing it – health insurance premiums will rise again next year. But why is that? Why do premiums seem to rise almost annually? And how can we as consumers best react to this to protect our financial health? In this article, we will answer these questions and show you how you can achieve the best cost-benefit ratio with your health insurance.
Why do premiums rise almost every year?
Demographic Development: A major factor for rising premiums is demographic development. Our population is, on average, continuously aging. This means that more and more people are utilizing services specifically geared towards older people. Whether it’s prescription medications, physiotherapy, or long-term care, the costs for caring for older people are high and continue to rise. Insurers must cover these rising costs, and this leads to higher premiums for all insured individuals.
Medical Progress: Medical progress is a blessing for society, as it enables us to combat and cure diseases that were previously untreatable. However, this progress comes with high costs. New treatments, medications, and technologies are often expensive and lead to an increase in general healthcare costs. These costs must then be passed on to the insured individuals through health insurance premiums.
Save Money and Optimize Insurance Coverage
It is true that you can save money by changing your basic insurance. Different health insurance providers offer different premiums, and it is worthwhile to regularly compare them and check if a change makes sense.
However, it is important to note that it’s not just about saving money. It’s also about ensuring that your insurance offers you the coverage you need. A change in basic insurance should therefore always be considered in the context of a review of your entire insurance coverage. This also includes continuously monitoring the offers of health insurance providers in Switzerland, as they constantly introduce new supplementary insurances to the market.
Flexibility and Long-Term Security: The Advantages of the "Flex Top" Supplementary Insurance
As a good example of a new and exciting supplementary health insurance, we can mention the new flexible supplementary insurance “Flex Top” from KPT Health Insurance. It offers the advantage of adapting entirely to your needs. As a general insured person, you initially benefit from lower premiums without having to forgo a higher level of care in an emergency.
In the event of an incident, you have the option, depending on the situation and your wishes, to selectively choose between general, semi-private, or private hospital care. KPT actively participates in the resulting additional costs, ensuring you are always optimally cared for without having to fear unexpected financial burdens.
Furthermore, the new “Flex Top” supplementary insurance also offers you long-term security. Up to 10 years after the contract begins, you can switch to a semi-private or private supplementary insurance without a prior health check. This gives you the opportunity to adapt your insurance to changed life circumstances and always ensure the best care.
Our Goal for You: To Achieve the Best Cost-Benefit Ratio. We can help you review and optimize your current insurance coverage to ensure that you receive exactly the coverage you need – and don’t pay more than necessary.
If you have any questions or would like a review of your insurance coverage, do not hesitate to contact us. We are here to help you and guide you through the complex aspects of health insurance.
VAG simply 