Life
The subsequent premium shock: Health insurance coverage corporations can be 6% dearer by 2025 – “much more than 10 p.c” is feasible.
As well being care prices rise, so do premiums. But that is not the one motive for the excessive value premium, as on-line comparability service Comparis notes.
After the premium shock is earlier than the premium shock. After 2023 and 2024, medical health insurance premiums are prone to rise above common once more in 2025. Online comparability service Comparis is predicting a 6 p.c improve in fundamental insurance coverage, it introduced on Thursday. This is a mean worth. Individual medical health insurance funds can improve their premiums by “much more than 10 p.c” in some cantons or areas.
Health insurance coverage premiums are additionally prone to be dearer than common in 2025.
The foundation of the rising premiums is the rising well being care prices: According to the newest forecast from Comparis and the Economic Research Center at ETH Zurich (KOF), the expansion of whole well being care prices in Switzerland is 4.1 p.c in 2023. They will improve within the present yr 2024 by 3.6 p.c and subsequent yr it’s going to most likely be 3.2 p.c.
Rising well being care prices and authorities intervention
Comparator Felix Schneuwly cites an increasing catalog of companies and rising hospital costs as causes for rising well being care prices. “Hospitals are charging larger charges for inpatients and inpatients as a result of they’re growing and so they can not cowl their prices,” stated Schneuwly. Only the dearth of expert staff will result in long-overdue structural reforms within the hospital sector, which most cantons have prevented to date by masking up the scarcity.
Schneuwly additionally blamed the discount in federal government-ordered reserves for a sequence of premium shocks. “Health insurance coverage corporations have been pressured by the Federal Office of Public Health to scale back their premiums. That’s why a lot of them haven’t got a cushion to guard in opposition to price fluctuations. ” Without these politically enforced cuts to reserves, premiums would have risen by lower than 3 p.c per yr per particular person in recent times and would proceed to rise at this charge, he continues.