If you’ve already turned 19, you may have noticed that your health insurance premium has suddenly increased. This is the same with all health insurers. There are two such age-based premium increases. Why is this?
From child premium to young adult premium
At Sanitas, your first child gets basic insurance at a 75% discount on the adult premium. The discount for the second child and any additional children is 80%. When you turn 18, you’re no longer classified as a child, so you’re no longer eligible for this discount. Depending on your insurance model, the child premium will switch either to a young adult premium with a smaller discount or directly to an adult premium.
You’ll find your new premium in your policy, which we send out in October every year. At this point, you have the opportunity to make changes. We’ll be happy to help you optimise your premium. The new contract will take effect as of 1 January following your 18th birthday.
Cost share: From child deductible to adult deductible
Deductibles for children range between 0 and CHF 500. On turning 18, the deductible switches to between CHF 300 and CHF 2,500. This means you previously contributed between 0 and CHF 500 per year towards the cost of your medical claims. Now you can choose a deductible of between CHF 300 and CHF 2,500 per year. The higher your deductible, the higher your cost share towards health costs, but the lower your monthly premium will be, too. It’s a good idea to choose a high deductible if you expect your health costs to be low in the year ahead.
Which deductible is right for me?
Good question. You’ll get the cheapest premium by choosing a deductible of CHF 2,500. However, if you require medical treatment equal to this amount, you’ll have to cover the costs (including the maximum copayment of CHF 700). Consider how much you could afford to pay in an emergency and choose a deductible that doesn’t exceed this amount.
From young adult premium to adult premium
When you turn 25, you’re no longer eligible for the young adult discount of 10% and you’ll be switched to a standard adult premium now at the latest.
In this case, your deductible remains the same.
Change cover to reduce your premium
There are several ways you can adjust your health insurance cover and thus optimise your costs. For example, you can choose a family doctor model or change your deductible.
There’s good news for young adults aged 19 to 25: from 2019 you receive a discount of up to 35% on the adult premium (previously 10%).