Without sacrificing the important
Rebecca
28.03.2024
3 Min. read
Discover your savings potential with alletta
The cost of electricity and rents is rising steadily. Health insurance premiums in Switzerland are also rising year by year - a development that is putting increasing pressure on the household budgets of many families and individuals. The good news: you can influence health insurance costs and save a lot of money.
In this blog post, we show you how you can reduce your basic and supplementary insurance costs, optimize your insurance coverage, and significantly increase your household budget.
This saves my family CHF 6,480 in premiums per year
How much do you or your family save? Do the check!
Haven't you checked your health insurance in a while? I was exactly where you might be now. And I was surprised at how easy it is.
With alletta's advice, you can:
Save significantly on premiums
Earn money once
Get the best possible insurance coverage
lucratively increase your household budget
This saves my family CHF 6,480 in premiums per year
Save CHF 80 a month: Change health insurance
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.
Save CHF 430 per month: Adjust basic insurance
Save CHF 430 per month: Adjust basic insurance
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.
Save CHF 50: Adjust supplementary insurance
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.
Savings through health insurance optimization: CHF 6,480 for our family!
How much do you save? Check it!
I'll show you how you can save several hundred francs a year on your health insurance.
The most important checks are:
Change your health insurance company
Increase the franchise
Check the accident (exclude if necessary)
Choose an insurance model
Tailor supplementary insurance to your needs
Further savings tips:
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.
Saving with a healthy lifestyle
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!