The Federal Council published details of the new premiums at the end of September. Here’s a brief summary of the key changes.
You’ll receive your new policy documents, including details of your premiums for the coming year, by the end of this month. Most people will see their premiums increase very slightly, stay the same or even fall. Those who turned 18 or 25 in 2020 face higher basic insurance premiums. They move on to a higher legal age group and their discount drops. Once you reach the age of 19, you also need to choose an excess.
You can find tips on how to reduce your premium here – for instance, you still have until the end of November to switch from a traditional basic insurance plan to a premium-saving model.
The basic insurance premiums for all health insurers are reviewed by the federal government each year. They must cover costs and are based on expected healthcare costs. The correlation is simple: if higher costs are expected, the premiums for the next year will increase accordingly. More information >
Age-dependent discounts also play a role. At Sympany, children (up to the age of 18) are eligible for a discount of up to 75% on their basic insurance, and young adults (aged between 19 and 25) can get a discount of up to 25%. Premiums for supplementary insurance policies also are graded according to ages.
You will receive it in mid-December. Why so late? Because at the end of the year, we have to make sure any changes our policyholders have made are reflected in their policies, for example if they have moved house or switched their insurance model by 30 November.
Our Customer Services team will be happy to help – from 8 am to 6 pm over the phone from 12 October until 30 November 2020, then returning to normal opening hours of 8 am to 5 pm. Our advisory centre in Basel is open to assist you from 8 am to 5 pm, and on request consultations are also possible until 6 pm until 30 November.