Without sacrificing the important

• One effective way to greatly lower monthly healthcare costs is to switch health insurance providers. Comparing the prices of different insurance plans is almost always the best way to find one that gives you the same benefits for a lot less money. The amount of money you could save depends on your situation and where you live, but if you make the right choice, you can save a lot of money every year. The money we save each month is a big deal for my family of three.

• Deductible: A higher deductible leads to lower premiums. At alletta I have seen that a higher deductible is worthwhile if the health costs remain below CHF 1,800. A good recommendation for us parents is to increase the deductible from CHF 300 to CHF 2,500. This does save money.

• Accident cover: If you work more than 8 hours a week for the same employer, accident cover can be excluded. My husband and I already had the exclusion, which is why we can't make any savings here. But it's worth checking!

• Insurance model: By adapting the model from a free choice of doctor to a telemedicine model for us parents, we were able to save significantly on premiums. We chose the family doctor model for our son.

• Supplementary hospital insurance coverage Switching from private to semi-private coverage can significantly reduce costs. Before our son was born, private cover was very important to me. A private hospital, my gynecologist, and a family room. All of that was wonderful. I didn't choose the best offer on purpose. My need for a comprehensive range of benefits has changed nowadays. Here, my husband and I can reduce the supplements and save money.

• Benefits for Supplementary Outpatient Insurance We think it's important that everyone has an equal chance to get benefits from supplemental care insurance. For us, the benefits of glasses, exercise, massages, and alternative medicine are very important. In this way, we have helped one of our parents out.

I'll show you how you can save several hundred francs a year on your health insurance.

• Change your health insurance company

• Increase the franchise

• Check the accident (exclude if necessary)

• Choose an insurance model

• Tailor supplementary insurance to your needs

• Check your entitlement to premium reductions (IPV)

• Take advantage of discounts on advance payments

• Use telemedicine services: Get an assessment before visiting the doctor to avoid unnecessary medical costs.

• Buy generics: Generics are cheaper than branded drugs and offer the same effect.

• Get a second opinion: In the case of major medical procedures, a second opinion can be useful to avoid unnecessary treatment and the associated costs.

• Find out about tax deductions: In many cantons, healthcare costs can be deducted from taxes Find out about the possibilities in your canton.

With alletta, families of four usually have over CHF 2,000/year more in their wallets.

Jürg put it in a nutshell in his blog : A healthy lifestyle — with regular exercise, a balanced diet, and enough sleep — is the most effective way to save on healthcare costs in the long term. Preventive measures minimize the risk of chronic diseases and the need for expensive medical treatment.

You are therefore well advised to take out supplementary insurance that meets your needs in addition to the compulsory basic insurance. Many health insurance companies cover preventive services. Take care of your health and protect yourself by choosing the right health insurance.

A healthy lifestyle minimizes the risk of chronic illnesses and the need for expensive medical treatment. Preventive measures and suitable supplementary insurance are your key to long-term savings.

• My conclusion: You can save money by changing your health insurance, adjusting your basic and supplementary insurance, and maintaining a healthy lifestyle.

Take a moment and get the offer that suits you and your needs: Save premiums now ! Your health and your wallet will thank you!