Before the Moment, when the premiums flutters invoice in the letter box, greyed out many of the Insured. Because the premiums have risen since the beginning of the Millennium, an average of 120 percent, the premium subsidies, by contrast, only about 40 percent.
wages did not keep up with the higher premiums almost step. The consequences are for people with a normal content far-reaching: One of the parents gives a couple with two children and an annual net salary of between 60'000 and 90'000 Swiss francs today average of 14 percent for health insurance premiums. So every seventh Swiss francs. This is more than twice as much as in the year 2000, as the Swiss trade Union Confederation has calculated.
In some cantons, including Zurich and Berne, have reached the burden for some households, even more than one-fifth of net earnings, despite a reduction in the Premium. This does not include deductibles, as well as the expenses for those treatments and medicines that are not covered by health insurance are included.
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the top earners are much less burdened, since the health insurance premiums are the same for all. A Couple with two children and an income of 200'000 Swiss francs, only 7 per cent of net earnings. And people with the lowest income be relieved through the individual premium reduction, respectively, in full.
premiums are the second biggest concern of the Swiss
The lower middle class and the middle-income groups to the increase in premiums, however, applies with full force. The calculation, however, has a flaw: Since the Federal government identifies only since last year, the average premiums could take into account the trade Union Confederation for the long-term comparison, only the standard premium (free choice of doctor and standard franchise of 300 francs for adults, and a standard franchise CHF 0 for children). But today, less than a sixth of the population still chooses the standard model with extraordinary Franchise. Account is taken of the alternative insurance models and higher deductibles, from a family with 60'000 to 90'000 Swiss francs salary roughly 11 percent of wages for health insurance premiums, so every ninth franc. The basic message is that the burden has risen significantly in recent years and the inequality between the cantons is high, however, changes nothing.
No wonder, refer, 41 percent of people in Switzerland, the topic of health and health insurance as their greatest concern – significantly more than in previous years. In the latest worry barometer, published by the Credit Suisse this week, showed health and health insurance issues in second place.
In the case of the debt counselling agencies, the cases of people who can no longer pay your premiums accumulate. According to Noémie 36 percent of the customer households in health insurance Zurn-Vulliamoz, Co-Director of the Berne debt advice 20 years ago, and debt of an average of 3979 francs. In the past year, 59 percent of the client premiums by an average of 10'300 Swiss francs owed.
middle-class families caught in the debt trap
not only people with low wages, but also higher-income households health insurance liabilities, would have Increased says Zurn-Vulliamoz. "We notice, in particular, a high level of stress for families with children in education, whose health insurance premiums are from the age of 18 in adult fare." A particular Problem is those middle-class families, because their income is of little or no claim on premium subsidies would have.
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is Politically controversial, such as the for Normal earners unbearable Premiums can be combated. "An increase in the tax-financed reduction in the Premium is overdue", said Daniel Lampart, the chief economist of the Confederation of trade unions. The SP collects since February of signatures for a popular initiative. It requires that no one has to pay more than 10 percent of their disposable income for health insurance premiums. In the longer term, there is no way around but to income-related premiums, find Lampart. Savings potential there is just in the hospitals in certain regions, the expensive drugs, or the specialty doctors who prescribe unnecessary treatments. "But illusions should make no one. If you don't want two-tier medicine is exhausted the potential for savings soon."
associations want is a Problem at the root
pack The see the Bourgeois, the health Directors ' conference and the associations of the health care system differently. The CVP wants to introduce a brake on costs. She has already collected more than 110,000 signatures for their corresponding popular initiative. The party refers to professionals, according to which 20 percent, or 6 billion Swiss francs of the cost of the mandatory basic insurance could be saved without loss of quality.
The Problem had to at the root is Packed, and the increase in costs to be dampened with a bouquet of measures, the cantonal health Directors, as well as the two health insurance associations, Santésuisse, and Curafutura. Wage-related premiums or a drastic increase in the premium subsidies not solved the Problem. "We must face up to rather unpleasant topics, for example, that the hospital the amount of medical and hospital rates or drug prices in Switzerland are clearly to high density in Switzerland," says Ralph cruisers of Curafutura.
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Created: 08.12.2019, 07:05 PM