How much did your premium increases in the past year

How do I use the tool?

Simply go to this page , insert your insurer and your data, and directly see how much your premium has increased over the past years.

Why do health insurance premiums increase?

Health insurance premiums in Switzerland, like in many countries, can increase due to a variety of factors. Some of the key reasons include:

• Rising Healthcare Costs: As the cost of medical services, treatments, and technologies increases, health insurers must raise premiums to cover these expenses. This includes the cost of new medications, advanced medical procedures, and other healthcare innovations.
• Aging Population: An aging population generally means higher healthcare costs, as older individuals typically require more medical attention and treatments. This demographic shift can lead to increased expenses for health insurers, which are then passed on to consumers through higher premiums.
• Increased Utilization of Services: If policyholders use more healthcare services, the insurance company's costs go up. This could be due to a general increase in the population's health issues or a tendency to opt for more expensive treatments.
• Economic Factors: General economic factors such as inflation can also affect premiums. If the overall cost of doing business increases due to economic conditions, this can be reflected in higher premiums.

While these factors can lead to premium increases, Switzerland's healthcare system is regulated to ensure a balance between quality, accessibility, and cost. The Swiss system is unique in its approach, combining elements of both government-regulated and market-based healthcare systems.

What can I do about rising healthcare costs?

The easiest answer is to compare healthcare insurance premiums every year. You can do it using the free tool provided at this page. Simply insert your data, and we will quickly show you all premiums, so you can make a more informed choice!