Year after year, healthcare costs rise and with them health insurance premiums. While the increase in 2020 was very moderate, we could be facing a premium shock as early as next year. So it's high time to optimize your premium now and save money. CSS Insurance shows you how easy it is with these five tips.
1. Increase deductible
The deductible is an insured person's annual contribution to his or her own healthcare costs and can be freely chosen within the range of 300 to 2,500 francs. As soon as the costs of doctor's visits, medication or treatment exceed the deductible rate, your health insurance will cover the costs. The higher the deductible rate, the lower the premium. So if you are rarely sick, the experts at CSS Insurance advise you to increase your deductible rate to save up to 43 percent on premiums.