The role of health insurance in regulating the Swiss health care system

• DOI: 10.3917/rfas.en606.0227
• Publication Date: 2019-11-19T13:50:06Z
• Authors: Iva Bolgiani; Luca Crivelli; Gianfranco Domeni...
• Keywords: Group insurance; Compromise

The Swiss health insurance system is a halfway-house between social and private system. Insurance compulsory managed by range of non-profit companies (sickness funds) which officially compete with each other cover an identical benefit package.Insurance premiums do not depend on income vary according to the canton in insured person lives average risk client base for insurer (community rating). model provides citizen total freedom choosing service provider within they live. Insurers may offer products limited choice return reduction premium.An appraisal regulatory role this complex model, represents compromise market mechanisms state regulation, subject regressive financing, has shown that objective equity access care been broadly achieved whereas bringing cost increases under control not. Major reforms are being discussed Parliament, but their successful outcome well be called into question differences objectives main stakeholders federalism direct democracy characterise constitutional landscape.