Medical expenses: With diesen Tipps können Sie sparen

On November 19, 2024By Pranco

Hotline for Krankenversicherung

So save at the Krankenkasse

After a year, the Krankenkassenprämien in the Durchschnitt is set to 6 Prozent. So it’s more like the thrift is of utility.

Issued: 18.11.2024, 20:09

The guidelines for compulsory healthcare are in the Swiss Gesetzliche vorgeschrieben. The Jahresprämien are not separated from the Krankenkasse to the Krankenkasse.

Photo: Jost Fetzer

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In Kurze:

An example of the Prämien is a cost item.
The franchise that is optimized can provide a good Prämienersparnisse.
Bis Ende November has a Kündigung der Grundversicherung-erfolgen.

All years: By the end of November, all the basic changes can be made. De Krankenkassenprämien steigen nachstes Jahr doorschnittlich um 6 Prozent. These costs put a heavy burden on the Haushalte. The instructions at the Prämien in the Grundversicherung are coarse, the Leistungen are more than ever. You wouldn’t be able to take care of them, but you could also check out these tips.

1. Die richtige Krankenkasse wählen

With the Grundversicherung, the price of the teuersten Krankenkasse can be twice as high as the cost of the costs. For the display of the different costs it is worthwhile to use an unattended Prämienrechner from the Bundes. This is located under the internet address priminfo.admin.ch so found.

Auch Vergleichsrechner von kommerziellen Anbieter mit Vergleichsrechner von kommerziellen Anbieter mit Versicherten günstige Angebote. These recommendations are possible when offering offers for orders. The Grundversicherung cannot be purchased until the end of November, the Zusatzversicherung until the end of December, a Prämienerhöhung will be accepted as of January 1, 2025.

The Zusatzversicherung will only be possible when the man will get the best results from his new versicherung. Hannes Bichsel from the Visana said: “Sonst cann es vorkommen, dass weg der Gesundheitsprüfung keine new Versicherung more abgeschlossen became kann and ganz ohne Zusatzversicherung dastehen.”

It may be that the Grundversicherung und all-Fällige Zusatzversicherungen door verschiedenen Anbietern abzuschliessen. Man sollte aber nicht nur auf de Preis schauen. Before all else fails, it is worth it to have higher general costs in the next period. The best of the best thing you can do is you can have a great experience and have a good friendly experience.

2. The franchise is optimized

Many Schweizerinnen and Schweizers will not earn the optimal franchise and their money. Krankenkassen beet in the Grundversicherung verschiedene Franchisen en: 300, 500, 1000, 1500, 2000 and 2500 Francs for Erwachsene. For children and young people, the change started 18 years ago with the franchises 0, 100, 200, 300, 400, 500 and 600 Francs. It is gold plated: you are higher in the franchise than in the Prämie.

Deshalb: Experts dealing with the Grundfranchise of 300 Francs or the highest of 2500 Francs that are separated. As a rule, costs up to 2000 Francs are the highest deductible and costs up to 2000 Francs are the highest deductible. It is an integrated Krankenkassenvergleich of the Bundes Franchise Reviewer says for all variants, which franchise is most favorable.

3. The right model

Lots of variation in the standard model with freer Arztwahl. More favorable is an alternative version model: Dazu gehören Hausarzt-, Apotheeken-, HMO- und Telmed-Modell. If there is a man, then the pharmacy or the pharmacy can use the telemediziner contacts respectively. Erst dann can be a man who specializes. Money can often be saved with these models.

4. There is even more thrift

Unfall ausschliessen: There are eight thoughts that cause appeal to the fact that this will cause an accident and can die in the Grundversicherung ausschliessen.

Family number: Many of the changes in life are from sweating or writing children that can help a child with the family.

If you use more children’s hats, you can often save on costs.

Photo: Christian Beutler

Zahlungsrabatte: De Vorausbezahlung der Prämien für das ganze Jahr belohnen Krankenversicherer with Skonti von bis zu 2 Prozent.

Pause during military service and the Zivilschutz: We could follow more than 60 other Tagen services followed, it is a fall of the Krankheit or a fall of the military version. The medical care can be paused for this period of time.

Prämienverbilligungen: Versicherte mit einem tieferen Einkommen können Prämienverbilligungen. Don’t forget much about it, that’s how it works. A verse, it is Lohn and Kanton that you encounter stehen.

If I am in Canton Bern, whatever happens, the check on the previous steps is done automatically. Information about this is possible of the sister cantonals of Stelle, Make sure you understand the criticism, which is driving some of the results of your experiences.

5. Allow the Arztrechnungen to take effect

What matters is that all revisions must be completed. With the so-called Tiers-garant method, which still does not find any solution, the verification of the Arztrechnung for a Rückerstattung of the Krankenkasse must be additionally ensured. With the kundenfreundlichen-tiers-payant-method you can directly take into account the Leistungserbringer and the Krankenkasse-zugestellt.

If you have more passion, you have to lie in the guaranteed level system with the solution at the versicherten, while you find these answers on a refund-hätten. Deshalb is the company that continues the recovery and the Krankenkasse weiterzuleiten.

These health costs are increasing yearly. It is important that the costs of the Grund- en der Zusatzversicherung are optimized.

Photo: Valentin Flauraud

6. Legal rights at the end of November

On January 1, 2025, the Krankenkasse started, on November 30, the Krankenversicherung bisherigen Krankenversicherer bis spatestens am 30. November was hit.

The Bund weist auf priminfo.admin.ch Since it is not the message temple of the Kündigung mass, the date of the Krankenkasse is the Kündigung history. It is a sin to give up the rights at the end of November for the einschreiben.

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Rahel Guggisberg Work on the part of the Economics Department of the Bund and the «Berner Zeitung BZ». Published as Lehrerin and Juristin, which emerged in the journalistic power in 2008. There are dozens of students in business law at the Fernfachhochschule FFHS.More information

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