Health insurance premium corrections

What’s it all about?

The Swiss parliament decided to remedy disparities between the premiums charged for mandatory basic insurance in different cantons. Determined by the Federal Office of Public Health (FOPH/BAG), the corrective scheme has been running since 2015 and is due to end in 2017. Health insurance companies are responsible for implementing these corrections.

No premium surcharge will be levied among insureds in 2017. However, insureds in some cantons will receive a premium credit. Your place of residence on 1 January 2017 applies for the purpose of the correction.

Who receives a premium credit?

As in previous years, premium credits in 2017 will be awarded to insureds whose place of residence on 1 January is a canton where excessive premiums were charged in the past. The relevant cantons are specified by the Federal Office of Public Health.

Persons entitled to a premium credit will receive a separate statement which, where possible, will be sent in one envelope along with the premium invoice.

  • It will be sent at the end of May.
  • If the customer has provided us with details of a bank/postal account, the amount will be credited automatically at the beginning of June.
  • If no bank details are available and the credit is less than CHF 25.65, it will be offset against the premium.
  • If no bank details are available and the credit is higher than or equal to CHF 25.65, it will be paid out by cheque.

 

Overview by canton

Place of residence on 1 January 2017
in canton
Impact CHF per person
(2017)
Aargau None
-
Appenzell Ausserrhoden None
-
Appenzell Innerrhoden Credit
39.90
Basel-Landschaft None
-
Basel-Stadt None
-
Bern None
-
Freiburg Credit
31.45
Geneva
Credit
112.30
Glarus None
-
Graubünden Credit
1.00
Jura None
-
Lucerne
None
-
Neuenburg None -
Nidwalden None
-
Obwalden None
-
Schaffhausen None
-
Schwyz None
-
Solothurn None -
St. Gallen None -
Ticino
Credit
118.05
Thurgau Credit 92.60
Uri None
-
Vaud
Credit
167.80
Wallis None -
Zug Credit
25.65
Zurich Credit
71.15
    Source: FOPH/BAG

Why is no premium surcharge being levied among insureds in 2017?

Insureds have already paid the maximum amount specified for premium corrections through the surcharges collected in 2015 and 2016 (max. CHF 266 million in accordance with Art. 106 para 1 KVG/LAMal).

However, the Swiss government will contribute over CHF 88 million to this initiative in 2017 and health insurance companies will pay a surcharge of CHF 33 per insured.

2016

What’s it all about?

The Swiss parliament has decided to remedy disparities between the premiums charged for mandatory basic insurance in different cantons in the past. The corrective scheme will run from 2015 to 2017.

The Federal Office of Public Health (FOPH/BAG) fixes the amount of these surcharges and credits which will be recalculated each year. Health insurance companies are responsible for implementing these corrections. Your place of residence with effect 1 January of the respective year determines whether you will have to pay a surcharge or are due a refund.

 

How will Sanitas handle these premium corrections?

 

Premium surcharge

If you are obliged to pay a surcharge, you will receive a one-off invoice which, where possible, will be sent in one envelope along with the premium invoice.

  • Monthly premium payment:
    With the June invoice (sent end of April).
  • Bimonthly, quarterly, semiannual and annual premium payment:
    With the July invoice (sent end of May).
  • Premium deduction through employer:
    Invoice to insured (sent end of May).

Premium credit

Persons entitled to a premium credit will receive a separate statement which, where possible, will be sent in one envelope along with the premium invoice.

  • It will be sent at the end of May.   
  • If you have given us details of a bank/postal account, you will be credited the amount automatically at the beginning of June.   
  • If no bank details are available, and the credit is less than CHF 36.95, it will be paid out with the next invoice.   
  • If no bank details are available, and the credit is more than CHF 36.95, it will be paid out by cheque.
Place of residence on 1 January 2016
in canton
Impact CHF per person
(2016)
Aargau None
-
Appenzell Ausserrhoden Surcharge
48.00
Appenzell Innerrhoden Credit
20.75
Basel-Landschaft Surcharge
48.00
Basel-Stadt None
-
Bern Surcharge
48.00
Freiburg Credit
16.25
Geneva Credit
57.30
Glarus Surcharge
48.00
Graubünden Credit
00.45
Jura Surcharge
48.00
Lucerne Surcharge
18.00
Neuenburg None -
Nidwalden Surcharge
48.00
Obwalden Surcharge
48.00
Schaffhausen Surcharge
48.00
Schwyz None
-
Solothurn Surcharge
48.00
St. Gallen None
-
Ticino Credit
60.75
Thurgau Credit
48.10
Uri Surcharge
48.00
Vaud Credit
86.05
Wallis None
-
Zug Credit 13.35
Zurich Credit
37.00
    Source: FOPH/BAG

One-off surcharge in 2016

In March 2014, the Swiss parliament made an amendment to the Swiss Federal Health Insurance Act (KVG/LAMal) which stipulates that all health insurers are legally bound to levy a one-off surcharge of CHF 33 per insured (CHF 2.75 per month), irrespective of their place of residence. This surcharge will be offset against the basic insurance premium and is listed separately on your policy document.

This amount is being financed either as a surcharge on top of the regular premiums or by drawing off reserves, and will be paid directly to the Gemeinsame Einrichtung (KVG).

The Sanitas Group is committed to offering basic insurance at an affordable price which is why its premiums are calculated so as to build up sufficient reserves in order to comply with regulatory requirements and any unexpected increase in healthcare costs. At the same time, premiums are calculated so that reserves aren’t excessively high in the long term and thus don’t unnecessarily burden premium payers.

If reserves develop better than expected, the Sanitas Group passes on these savings to their customers. This is the case for Compact Grundversicherungen AG customers. Here the one-off surcharge is being financed by drawing off reserves.

2015

Place of residence on 1 January 2015 in canton
Impact CHF per person (2015)
Aargau None
-
Appenzell Ausserrhoden Surcharge
62.40
Appenzell Innerrhoden Credit
28.45
Basel-Landschaft Surcharge
62.40
Basel-Stadt None
-
Bern Surcharge
62.40
Freiburg Credit
22.40
Geneva Credit
79.00
Glarus Surcharge
62.40
Graubünden Credit
0.70
Jura Surcharge
62.40
Luzern Surcharge
62.40
Neuenburg Keine -
Nidwalden Surcharge
62.40
Obwalden Surcharge
62.40
Schaffhausen Surcharge
62.40
Schwyz None
-
Solothurn Surcharge
62.40
St. Gallen Surcharge
9.00
Ticino Credit
82.90
Thurgau Credit
65.90
Uri Surcharge
62.40
Vaud Credit
119.70
Wallis Surcharge
56.40
Zug Credit
18.30
Zurich Credit
50.80
    Source: FOPH/BAG

More information

 

From 1 January 1996 to 31 December 2013 there were disparities between the premiums charged for mandatory basic insurance and the costs of medical claims in different cantons. On 21 March 2014, the Swiss parliament decided to take steps to remedy these disparities. The corrective scheme will run from 2015 to 2017.

Reimbursement will be funded in equal parts by the Swiss government, health insurance companies and insured persons resident in cantons whose premiums were too low between 1996 and 2013. Sanitas is therefore legally bound, along with other health insurance companies, to implement these premium corrections.

The Federal Department of Health has published a fact sheet with answers to the most important questions:

Your service centre will be glad to help if you have any questions.

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