Tuesday , May 24 2022

Franchises should grow with costs


In the future, health insurance franchises will increase in 50 divisions, depending on the growth of healthcare costs. The Left Council criticizes the change as antisocial.

Christoph Forster, Berne

The lower franchise may increase to 500 strokes. (Image: Christian Beutler / Keystone)

The lower franchise may increase to 500 strokes. (Image: Christian Beutler / Keystone)

The franchises should stop the insurance from consulting the doctor for minor cases. The health insurance will only take those benefits above the chosen franchise. At present, the lowest franchise is 300 francs and the highest is the 2500 francs. Between them there are now four franchises.

When the Health Insurance Act (KVG) was introduced in 1996, the lowest franchise was 150 francs. Since then, the Federal Council has increased twice, last time in 2004 to today's level. Already today, the government can adjust the cost development franchise. Newly, the National Council has now written a specification in the law. And this is as follows: As soon as the gross costs per insure person exceeds 13 times higher than the minimum franchise, the Federal Council must increase freedoms by 50 francs . According to the latest available figures (2016), gross cost per head is currently 12 times higher than the 300 franchise. The Federal Council estimates that an increase will be due in 2020, then every four years thereafter. First, however, the States Council must agree to the amendment. The National Council therefore made Monday with 133 to 53 votes.

However, it is also possible that the lower franchise will rise to 500 strokes. This calls for a proposal from the National Council's Health Commission. The council can not handle it on Monday due to time constraints.

The most bourgeois hopes that the more consistent increase will have a damp effect on the growth of the cost. The mechanism strengthens self-responsibility, says Bruno Pezzatti (fdp., Zug). Meanwhile, Health Minister, Alain Berset, had too high expectations. In his message, the Federal Council writes that premiums would increase by around 0.5 per cent in the years following the increase in franchises. Left spoke of anti-social measurement. He is pregnant and premium payer and especially chronic illness, says Barbara Gysi (sp., St. Gallen). Already today, insured persons in any European country would not have to pay as much of their own pocket for healthcare costs as in Switzerland.

The objectors also warned that insurance would go in the future for less financial reasons for the doctor. Already in the past this proportion has increased.

The big chamber has approved on Monday only a second controversial innovation in the franchises. Anyone who opens Wahlfrranchise may not change this for three years. So the bidders want to declare war on the "opportunist franchise hoppers". This refers to insured people who choose lower franchise due to planned intervention for the following year to reduce their cost share. In addition, every year allowed is to change health insurance. Compulsory health insurance is a social-political insurance project and not a training optimist for training camp, says Heinz Brand (svp., Graub√ľnden) on behalf of the majority of the Commission. Brand is president of the Curafutura health insurance association.

The innovation met with strong criticism. "Pseudo-problem" and "gagging" contracts were mentioned. Even Brand admitted it was a small problem. Due to the figures of the administration, only 0.17 per cent of insurance companies are temporarily reducing their franchise. So the opponents see in the three-year contracts, a large majority penalty insured with electoral franchises. In addition, they fear that the measure weakens personal responsibility. Because the insurance confrontes more risk, they prefer to be a deep franchise to the risk of maintaining a multi-year franchise high. The National Council approved the bill, which is now going to the State Council, but with 113 to 60 votes.

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