As a result of the recent release of santésuisse that 18 health insurance companies will increase their premiums in 2010, there are no specific indicators for the insured to choose a health insurance company that can guarantee the stability in the medium term of their premiums. So far has not been revealed, to which 18 health insurance this is it!
Reminder: Last Thursday of BAG in the media already alarming projections for the development of reserves (1) were announced. With 12.1% in 2009 and 12.0% for 2010, these are located on the border of the statutory minimum sentence. This represents a decrease by 4.5% compared to 2008 dar.
With the aim to make it easier for policy holders to be guided in choosing a health insurance according to other criteria than exclusively to the premium, the comparison page shows bonus.ch now in their online premium comparison to the level of reserves for insurance on each. To better understand an advertisement in the form of a progression bar allows the insured to get an overview of the financial stability of a particular insurer.
Health insurance, moving among, on the border or near the statutory minimum sentence will not be able to guarantee the stability of their premiums. The majority of insurers in this situation will therefore increase its premiums in the course of 2010.
In addition to specifying the reserves, bonus.ch has analyzed the competitiveness of insurers and also developed an ad for the stability of the premiums in comparison to the competition, so that the insured a yearly "yo-yo effect" on the search for the cheapest health insurance But then the next year raising the premiums, are spared.
Under the most favorable insurance (3) for 2010 (top 10), to set a very good stability in premiums Agrisano, Arcosana, Assura, and Auxilia Fonction Publique (Groupe Mutuel) fixed.
With the expanded premium comparison, the insured is an information tool available online, which is the most comprehensive on the market, and it helps them to make an informed choice
Detailed tables and graphs:http://www.bonus.ch/Donnees/News-Sources/2009/Pdf/Indicateurs20091008_DE.pdf
(1) reserve positions to be taken as a% premiums(2) The display is based on the deviation from the legal minimum reserve ratio of the rate. Scale of values for the 4 data (difference <0%, 0% - 5%, 5% - 10%, more than 10%). Example: A health insurance company has a reserve ratio of 12.6%, the statutory minimum sentence is 10% = difference between the percentage of +2.6%.(3) Analysis of the position of each premium in comparison to the competition for traditional insurance model, all ages combined and franchises
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