Insurance rates keep increasing

In recent years, two of the largest health insurance companies in Switzerland, CSS and Helsana, have reported significant increases in the costs of basic insurance. This has led to concerns about the potential for even higher health insurance premiums in the future. In 2024, premiums rose by an average of 8.7 percent and the previous year saw a 6.6 percent increase. Both companies incurred losses on basic insurance in 2023, with CSS reporting 181 million francs in losses and Helsana reporting 220 million francs.

Experts believe that the rising costs of basic insurance may be a sign of things to come, rather than just a temporary effect from the corona pandemic. Bern health economist Heinz Locher warns that the Swiss population should prepare for further significant increases in health insurance premiums in the coming years.

Several reasons have been cited for the increase in expenses for basic insurance. These include the higher cost of medication, the expenses for inpatient hospital treatment, the expansion of the benefits catalog in basic insurance, higher demands among the population for better treatments, and incentives for “overtreatment” in the system.

To address these issues and prevent an imbalance in the Swiss healthcare system, experts suggest various measures such as reviewing the benefits catalog of basic insurance, implementing Health Technology Assessments (HTA) to check costs, using indication boards for multidisciplinary advice on medical procedures, promoting “Smarter Medicine” initiatives to avoid unnecessary treatments, and adjusting the franchise to increase patient contributions to medical costs. Additionally, experts recommend making service providers more responsible by utilizing flat rates per case for medical reimbursements.

By taking these steps, Switzerland’s healthcare system may be able to control costs and prevent further increases in health insurance premiums.

By Riley Johnson

As a content writer at, I dive into the depths of information to craft compelling stories that captivate and inform readers. With a keen eye for detail and a passion for storytelling, I strive to create engaging content that resonates with our audience. Whether it's breaking news, in-depth features, or thought-provoking opinion pieces, I am dedicated to delivering high-quality, informative content that keeps readers coming back for more. My goal is to bring a fresh perspective to every article I write and to make a meaningful impact through the power of words.

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