• Sat. Apr 13th, 2024

Rising Health Insurance Premiums: A Challenging Future for Switzerland’s Healthcare System

BySamantha Jones

Apr 2, 2024
Insurance rates keep increasing

In recent years, the Swiss health insurance industry has been facing significant financial challenges. This has led to an increase in basic insurance premiums, with both CSS and Helsana reporting significant losses on this type of insurance in 2023. The rising costs of basic insurance have raised concerns about the potential for even higher premiums in the future.

Experts believe that the current state of the healthcare system in Switzerland is not sustainable, and that further increases in health insurance premiums may be inevitable. Bern health economist Heinz Locher warns that the Swiss population should prepare for even more significant increases in premiums in the coming years. One of the reasons for these rising costs is a shortage of skilled workers, which is leading to higher personnel costs.

Several factors have been cited as contributing to the increase in expenses for basic insurance. These include higher costs of medication, increased expenses for hospital treatments, and an expansion of benefits coverage. Additionally, there has been a rise in demand among the population for better treatments and incentives for “overtreatment” within the system.

To address these issues and prevent an imbalance within the Swiss healthcare system, experts have suggested several solutions. These include reviewing benefits coverage, implementing Health Technology Assessments (HTA) to control costs, using indication boards for multidisciplinary advice on medical procedures, promoting “Smarter Medicine” initiatives to reduce unnecessary treatments, and adjusting franchise payments to increase patient contributions towards medical costs. Experts also recommend making service providers more accountable by utilizing flat rates per case for medical reimbursements. By taking these steps, Switzerland may be able to maintain control over healthcare costs and prevent further increases in health insurance premiums.

In conclusion, while CSS and Helsana’s reports show a decrease in basic insurance premiums compared to previous years’ average increase rate of 6 percent each year since 2018; however it’s important to take note that they still had losses on basic insurance last year due to various factors such as medication cost hike.

It’s important to address these issues before they become bigger problems affecting not only insurers but also patients themselves who rely on affordable access

By Samantha Jones

As a dedicated content writer at newszxcv.com, I bring a passion for storytelling and a keen eye for detail to every piece I create. With a background in journalism and a love for crafting engaging narratives, I strive to deliver informative and captivating content that resonates with our readers. Whether I'm covering breaking news or delving into in-depth features, my goal is to inform, entertain, and inspire through the power of words. Join me on this journey as we explore the ever-evolving world of news together.

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