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The Franchise is exhausted, the doctor practices,

just in the households geflatterten Premium accounts of the insurance companies have once again become more expensive. In particular, young, healthy people with good incomes, therefore, try increasingly, by choice, the rising cost of deductibles vapors. Nearly 17 percent of adults now have chosen the highest level of 2500 francs, and 40 percent for a Franchise is between 500 and 2000 Swiss francs.

if you decide against the basic franchise of 300 francs, calculated, and hopes that he or she remains healthy and, therefore, the discounted premiums can benefit. But the bill always goes up. The cost of participation is not only to 300 francs, but an X-fold. The frustration is large, the optimization.

About 50'000 consultations from CSS patients

so Why the recurring appointment with the gynecologist, urologist or dermatologist is not yet in the current year, perceive, and those in the next skip? Finally, the cost takes it up to a deductible of 10 percent or a maximum of 700 Swiss francs per year to the General public.

show How to research, accumulate in November and December, the requests for appointments with specialist doctors. The CSS, the insured in the largest insurance company of Switzerland with 1.3 million Basic, this can show in an unpublished analysis. So weeks between the calendar 46 and 51, that is, between the 13. November and the 24. December 2017, as many Insured visited a specialist, such as otherwise never. Over 50'000 consultations from CSS patients there were per week. High on Switzerland, the 300'000 are expected. And the trend is rising. Luc-Etienne Fauquex, CSS spokesman, says: "It is an incentive plan for physician visits in the year of exercise, in which the Franchise is exhausted."

The health of the beginning of the year to decrease costs by 27 percent

To this end, the research office "BSS economic advice", in cooperation with the University of Bern. Boris Kaiser and Christian Schmid have examined the Insured with a choice of deductibles behaviour, once the Franchise has been exhausted. In one out of ten people who have to pay between 1500 and 2500 Swiss francs for yourself, this is annually the case.

The result is impressive: medical services are not to the detriment of their own wallets, to refer patients for more services. For one, you refer to those that you would not obtain otherwise, and on the other you organize recurring events, such as in the case of specialist doctors.

"as soon As the deductibles the Insured need to pay with a Choice of the beginning of the year again for treatment, decreases significantly their demand," says Kaiser. Their health spending, then go back to 27 percent. "The cost of participation can thus affect the behavior of the Insured." Because patients the depth of franchises happens when a year, little.

"Who has already paid 1500 or 2500 Swiss francs in health costs, in addition to the premiums, is trying to save costs."To get Roger Gablinger, urologist and founder of the network Uroviva

At the end of the year, an appointment for a Check-up, but it can be difficult. Thomas Eggimann, gynaecologist and Secretary General of the society of obstetrics and gynecology, and Roger Gablinger, urologist and founder of the network Uroviva to confirm. "In November and December, the requests after the screening join us," said Gablinger.

That many of these patients want to come over because they have exhausted their Franchise, say it openly on the phone. Gablinger can understand this behavior. "Who's already 1500 or 2500 Swiss francs in health costs has been paid in addition to the premiums, is trying to save costs."

However, incentives may exist to go until the start of next year to the doctor. For example, if Insured for the new year choose a low Franchise. One way or the other it affects only a small part of the patients, therefore, the health insurance companies see no need for action.

services of the compulsory health insurance check

on The contrary: "In the case of a high Franchise, the positive effects outweigh the health sector," says Astrid Brändlin, a spokesperson for Concordia. So Assured with the basic franchise four times more likely to see a doctor and have six times higher costs of health insurance with higher deductibles.

Helsana, Visana, and Swica are, however, agreed: In the case of medical services from the basic insurance, which must pay the funds necessarily, there is reference to the risk of unnecessary Power. "Who exploits the System, does no one a Favor," says Dragana Glavic, Helsana spokeswoman. "Ultimately, the community pays the premiums."

Felix Schneuwly, health expert and CEO of Comparis, confirmed the positive effect of cost-sharing. He proposes, in addition, medical or medically prescribed services of the compulsory health insurance at the expense of more on your effectiveness, to check the appropriateness and cost-effectiveness. "This is much too little," says Schneuwly.

(Sunday newspaper)

Created: 23.12.2018, 17:42 PM

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