BEARBEITEN: GitHub-Link hinzugefügt
Ich war schon immer neugierig auf die Vielfalt der Prämien/Franchisen bei Schweizer Krankenversicherungen. Ich wollte herausfinden, was je nach den Ausgaben für Gesundheit am günstigsten ist. Deshalb habe ich eine Python-Skript #NerdAlert
Ich hatte erwartet, dass jede Prämie ein Kostenfenster hat, in dem es günstiger ist, sie auszuwählen. Das heißt: Wenn in einem Jahr keine Gesundheitskosten anfallen, ist die höchste Selbstbeteiligung günstiger, und bei vielen Ausgaben ist die niedrigste Selbstbeteiligung insgesamt günstiger. Und dasselbe gilt für Zwischenpläne.
Es stellt sich jedoch heraus, dass es mathematisch unmöglich ist, mehr als 3 Regionen mit einem unterschiedlichen optimalen Plan zu haben. In der Praxis habe ich keine Krankenversicherung gefunden, bei der es mehr als 2 beste Regionen gibt. Dies bedeutet, dass alle Zwischenpläne nutzlos und in keinem Fall billiger sind
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Habe ich Recht? (Ich kann das Python-Skript zum Plotten bereitstellen.) Ist den Leuten das bewusst? Die Regierung legt diese Preise irgendwie fest, daher überrascht es mich, dass sie uns mit diesem Betrug nicht ernst nehmen …
TLDR: Zwischenfranchisen bei den Schweizer Krankenkassen sind sinnlos und für uns reine Geldverschwendung.
tatsächlich ist für meine eigene Krankenversicherung der günstigste Plan über 1.100 CHF nicht der mit der niedrigsten Franchise von 300, sondern der von 500: In diesem Fall ist der 300-Plan ein Betrug.
Not all health insurance premiums are equals
byu/Sea-Zucchiny inSwitzerland
Von Sea-Zucchiny
14 Comments
yeah this is well known
Thought this was common knowledge. But I’ve never seen it plotted through like this.
I want to understand further, can you explain the graph and why your 300chf plan is a scam for you?
Care to do the labels in German to spread the word?
I’ll add one more thing that is a small correction in favor of the larger deductible:
– you can detract (in most cantons) from taxes the health insurance only up to a fixed amount
– you can detract (in most cantons) actual health costs only after a minimum amount.
Most Swiss dont compare health insurance anyways and stay with their long time company. Same as mobile phone plans.
That‘s pretty well known, it‘s a choice between 300 (if you‘re chronically ill) or 2500 (if you‘re healthy) Franchise. The breakeven point though varies by insurance company. For me it‘s 1600.
Another scam is that you have to know in advance, how much your healthcare expenses in the next year will be
That’s what my insurance advisors all said.
Yup, well known, always go with the lowest or highest franchise. You’re not the first one to do the maths and report the results on this sub either.
Funny enough I plotted this to recently. My break even point was around 1700.-
Guys do not ever get another premium besides 300.- or 2500.-
Its always a scam
Edit: I meant deductible
It is true. Everybody knows that. Unless you know exactly, what cost you have, you should always pick the lowest deductible if you are a sick person or the highest, when you are healthy.
Nice plotting, thank you for the analysis.
The different franchises are there mostly to give clients an illusion of diverse choices when in reality for the vast majority the actual choice is between extreme options with an escape from the middle ground for indecisive clients. The number of people who have enough capacity to pick something in the middle and then have enough discipline to ask about prices for their healthcare and get to the target number at the end of the year that will justify their initial choice against other options is negligible.
I wouldn’t be a financial nerd if I avoided noticing, that we have a very different definition of “scam”.
>in this case the 300 plan is a scam
That is only a scam if the insurance agent had precise knowledge about your future or a reliable enough statistical model and data about the expected value of your health costs but deceived you about your best choice and persuaded you to buy an unnecessarily expensive product.
Since you didn’t tell that part in your text, we have no such inputs and consider the default situation (parties have non-conclusive data about the client’s future health expenses, and the decision is made mostly based on the client’s risk aversion profile and previous experience). Then it is not a scam but rather a sub-optimal choice. That would be a great stretch to call an act of offering basic insurance with minimum franchise without knowing upfront about your moderate health expenses a fraud. It doesn’t feel fraudulent or deceptive.
Thanks for plotting this. I agree that the intermediate plans appear to be useless if you know your x-axis value in advance. Their value comes from uncertainty. We can imagine customers who expect to have extremely low health costs but want to hedge their bets against tragedy. In that case, the “Deductible 1000” could be a good product.