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HEALTH INSURANCE

Geneva initiative aims to cap health insurance premiums

The political left in Geneva has launched a cantonal initiative aiming to cap basic health insurance premiums at ten percent of a household’s income.

Geneva initiative aims to cap health insurance premiums
WaveBreakMedia/Depositphotos
Speaking to the press including Le Temps, Carole-Anne Kast, president of Geneva’s Socialist Party, said they would prefer action to be taken at federal level but that they were not willing to wait any longer. 
 
“We are pleading to Bern for reform but we must take action locally now. We can’t wait,” she said.
 
The initiative doesn’t aim to help people who are already receiving social assistance to pay their premiums, but those working people who pay more than ten percent of their income on health insurance.
 
Campaigners have until March 2018 to gather the required 5,100 signatures to push it to a cantonal referendum.
 
Geneva residents pay among the highest premiums in Switzerland for their compulsory basic health insurance (LaMal), which provides the same cover wherever you live in the country but is calculated on the costs to insurers of providing healthcare in that canton.
 
According to figures from the Swiss statistics office quoted by Le Temps, the average monthly premium in 2017 (based on a 300 franc excess with accident cover) was 447 francs in Switzerland as a whole, but 554 francs in Geneva, set to rise to 583 in 2018.
 
Premiums will rise by an average of four percent in 2018, but again that varies, with the canton of Vaud seeing the highest increases (6.4 percent) against Schwyz on the lowest (1.6 percent).
 
In 2016 the Swiss upper house of parliament rejected a similar initiative to cap premiums at federal level, saying it should be up to the cantons to legislate on the issue.
 
Premiums for compulsory medical insurance are set by the country's 60-odd private insurers each year, usually at the end of September, with figures approved by the federal government.
 
In 2014 voters rejected an initiative to change the system to a single, publicly-run insurance scheme which backers said would have helped to reign in premiums.
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Why getting rescued in the Swiss Alps could cost you thousands

With holidays just around the corner, many mountain enthusiasts will be heading for the Alpine peaks. An important thing to remember is that even in the summer, accidents can happen and mountain rescue in Switzerland can come at a high price.

Why getting rescued in the Swiss Alps could cost you thousands

It is true that statistically most mishaps in the mountains are related to winter sports — skiing, snowboarding and the like.

About 50,000 accidents a year are recorded in the Swiss Alps each winter, “the vast majority of which are linked to skiing and snowboarding, the two disciplines that also generate the highest costs”, according to Swiss National Accident Insurance Fund (SUVA).

While summer mountain activities seem to be less risky, accidents can — and do — happen nevertheless. Again according to SUVA, such popular activities as base jumping, rock climbing, or hiking on unsteady surfaces can result in accidents.

In fact, the mere fact of just hiking can prove dangerous: every year, some people are attacked by cows while strolling in the mountains. One such case involved two hikers who were knocked to the ground by a cow in Nidwalden — an incident which inflicted bruises and shock on the hikers (the cow was fine).

But you don’t have to be an extreme sports enthusiast or approach cattle to sustain injuries in the mountains — just ask David, a UK national living in Vaud.

In July 2021, David rode his mountain bike near Arosa, Graubünden, when he hit a rock and fell into a metre-deep crack, breaking his foot in the process. Passersby called for help.

“A helicopter came and three people got me out of the ditch, stabilised me ,and airlifted me to the nearest hospital”, he said

The final bill just for the rescue amounted to 3,200 francs.

While it may seem like a steep price for a service that “took one hour tops”, this sum is not exorbitant or even unreasonable.

What you should know

Mountain rescues are generally provided by air ambulance services such as Rega, Air Glaciers or Air Zermatt. All three work on a subscription model, meaning people can become donors, which could, in certain cases, lower the cost of a rescue.

As Rega, the largest of the three services, noted on its website, it can, “at its own discretion and within the bounds of its resources, waive or reduce the costs of any emergency services”.

This was not the case for David who had no subscription, but has taken out one since the accident.

READ MORE: Rega: What you need to know about Switzerland’s air rescue service

Mountain biking can sometimes be dangerous. Photo by Tim Foster on Unsplash

The exact cost of the rescue varies according to three criteria, Rega spokesperson Emilie Pralong told Le Temps newspaper in an interview.

These criteria are “the duration of the mission, the transport costs (pilot, paramedic, helicopter), and the services of the emergency doctor”.

At a rate of around 100 francs per minute of flight, the bill can quickly skyrocket but in the easily accessible mountain area (as was the case for David) ranges from 2,500 to 3,500 francs charged to the patient.

Does health insurance bear at least part of these costs?

Unlike its Alpine neighbour Austria, where public health insurance will pay for mountain air rescue only if the patient is in danger of death, things are a bit different in Switzerland, where health insurance is private.

In Switzerland, the mandatory accident insurance paid by the employer covers the cost of rescues, even if you are not physically injured, according to Moneyland.ch consumer website.

On the other hand, for children, pensioners or people without professional activity, “the compulsory health insurance will cover half of rescue costs up to the maximum amount of 5,000 francs per calendar year,” said Pascal Vuistiner, spokesperson for Groupe Mutuel’s Romandie.

There are also additional insurance policies that will cover unpaid costs, including those incurred abroad, especially as the basic Swiss plan only covers rescues in Switzerland.

For instance, many supplemental health plans include some coverage for search and rescue costs, medical transportation, and repatriation.

Coverage for search and rescue operations is typically limited, ranging between 10,000 and 100,000 francs. Many (but not all) Swiss supplemental health insurance offers include unlimited coverage for ambulance transportation and repatriation to Switzerland for medical care.

READ MORE : Should you buy supplemental health insurance in Switzerland?  

Coverage for search and rescue and/or emergency medical transportation is also part of many travel insurances.

However, “with very few exceptions, coverage for search and rescue operations is limited. Maximum benefits can be as low as just 5,000 francs, or as high as 60,000 francs”, according to Moneyland.

In David’s case, most of the costs of his airlift, surgery, hospital stay and post-op physical therapy were covered by the above-mentioned insurance policies. The only thing hurt in the long run is his pride, as this was the only fall the experienced mountain biker has suffered in his life.

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