Until what age can I change health insurance?
The Swiss health system is a system that costs a household dearly. Funded in the form of premiums, deductibles and co-payments, basic insurance can weigh heavily on a household's expenses. Thus, all the means to lower his health premium are good to take. Changing health insurer generally allows you to benefit from discounts by making competition between health insurance companies work. But until what age is mobility between insurers recommended?
Change basic insurance according to your age
Basic health insurance operates on a system of regulated competition set up by the LAMal law of 1994. Thus, the Swiss Federal Council encourages the mobility of insured persons through several provisions.
Basic insurance, guaranteed mobility at all ages
The basic principle of LAMal is the mobility of members . In practice, Swiss health funds are private companies, in full competition, which offer standardized contracts to policyholders in terms of basic cover . In addition, any request for subscription to basic insurance can not be refused by a health insurance fund.
Thus, regardless of the insurer chosen by the insured , he will benefit from the same benefits . Regulated competition allows a variation in premiums , but prohibits a selection of risks . Thus, the scope of basic care is strictly provided for by federal law. As a result, the mobility of policyholders to make price competition work is encouraged.
The different age groups to benefit from discounts
However, the LAMal law regulates the setting of prices by insurers. Thus, the deductibles and quotas are standardized within the standard contract. Only the amount of premiums may vary from one insurer to another.
It is thus by canton , and age groups , that the health premium will be set. The insured's state of health does not make it possible to determine the amount of his premium. There are 3 distinct age groups:
- Children (under 18)
- Young adults (19 to 25 years old)
- Adults (over 26)
In fact, children and young adults benefit from discounts, unlike adults. Thus, even if in principle an insured can change health insurer regardless of his age, we see that the younger the insured, the easier it is to benefit from reductions. Logically, the older we get, the more difficult it is to make the competition work and take advantage of discounts.
Change additional insurance according to your age
Unlike the LAMal, supplementary insurance is subject to full competition. The age of the insured will therefore be decisive in changing health insurer and benefiting from the best rates .
Unlike basic insurance, which provides identical coverage for everyone, and prices set by age group, complementary insurance translates differently. In fact, within the framework of the mutual , insurers are free to set the benefits covered in the contract subscribed , but also the amount of the premiums, based on criteria such as the age and state of health of the person. affiliate, which may require special amublatory treatment .
Thus, the older and more fragile a person, the more difficult it will be to change health insurer . Because in practice, an affiliation request is subject to the study of a specific file on the affiliate. In addition, the health insurance fund to refuse a request for membership, or even to issue reservations.
Change insurer at any age?
Even if in practice this is possible for basic insurance, one should not however expect to benefit from the advantages of competition if one is an elderly person. In terms of supplementary insurance, the subscription request of an insured with fragile health may even be refused. In short, the people most inclined to take advantage of this competitive system are children, and young adults. In practice, it has been observed that the older Swiss residents get, the less they can exercise their right to mobility.