Compare Health Insurance Quotes Using Insurance Comparison Sites in Switzerland
Oct 09, 2021
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Swiss mandates compulsory insurance coverage for all residents, both permanent and temporary. You can check the list of benefits of the basic insurance from the government websites which publish this data when making a health insurance comparison. Though the list of benefits will be the same, there is a significant difference in the level of healthcare services provided.
The responsibility of choosing the right insurance policy lies with the citizens. They can undertake their personal health insurance comparison before choosing whichever policy they think is right. While doing so, it is important to not only choose the cheapest premiums but carefully understand all the factors of the policy.
There are numerous factors that play a role in choosing the insurance policy. Before you start your health insurance comparison, here are some of the tips that can help you save money:
Types of Healthcare
Public healthcare
Switzerland’s public healthcare is funded by individual insurance that is mandatory for all citizens. The compulsory insurance is provided by a list of government-approved providers who must offer uniform healthcare. This ensures that there are no waiting times for those in need, while also boosting the healthcare infrastructure to be one of the best in the world.
Public healthcare is monitored by the federal government, through regulation and financing is the responsibility of the cantonal or state governments. So, when doing a health insurance comparison, refer to the data according to your place of residence as that is where your premiums will be decided. The federal health organizations offer top-notch facilities and provide reimbursement under the basic insurance policies.
Private Healthcare
Almost 80% of Swiss residents opt for additional coverage according to their healthcare requirements. This includes dental treatments, private accommodation for a hospital stay, and even choosing medical facilities outside their canton of residence.
Private hospitals are funded only with these payments. So, if you do not undertake a proper health insurance comparison, you may overlook important aspects of your healthcare that will be too high to afford without insurance.
How to compare Swiss Insurance policies
The Federal Office of Public Health is the central Swiss agency that provides all the requisite data for you to do a health insurance comparison. From a comprehensive list of health insurance benefits and providers to granular data according to cantons and healthcare facilities, you will find everything you need to make an informed decision.
However, this may not be enough.
For one, this is raw data that can overwhelm you with a number of factors to consider. Moreover, you may have to manually do a health insurance comparison according to your unique requirements. Though this is a comprehensive method, it can also seem too complicated.
Health Insurance Comparison sites
This is where insurance comparison sites can help you. They help you compare health insurance premiums for an insurance policy as per your preferences. For example, if you already have accident insurance from your employer, you can choose to exclude the accident cover and then compare the premiums.
You can also choose to compare your existing insurance policy periodically to make sure that your plan is the most economical. The website will compare your plan [In Italian -> https://www.confronto-cassamalati.ch/ ] with similar plans provided by different providers so you can get a clear idea of your savings potential.
By entering your age, gender, cantonal place of residence, and other factors, you can access a list of the most optimum insurance policies for you. You can also enter your preferred mode of healthcare, deductibles, coverage, and other factors for a better health insurance comparison that provides healthcare without compromising on any of your requirements.
Get Insurance Quotes from different providers
In Switzerland, health insurance is dependent not on your income, but on your risk profile. Different insurance providers would prioritize different factors, so each would require premiums accordingly.
A comparison website will help you understand your risk profile. Further, it can share this data with different providers (with your permission) and invite quotes from them.
The providers cannot discriminate based on many factors such as your income level but offer uniform services to all policyholders with the same plan. So, you don’t even have to disclose your identity when requesting quotes from them.
With your personalized premium quotes, you can choose the most relevant one for you. This is a simple and straightforward process for a health insurance comparison by the websites which enables you to save significantly on the premiums.
CONCLUSION
Though the government provides a lot of insurance data periodically, a comparison website gives a better overall view of health insurance comparison. You can access independent surveys that measure different providers on other aspects such as customer responsiveness, payment flexibility, and even reimbursement policies.
A comparison website is invaluable in providing you with the right guidance for health insurance comparison.