Le Conseil national a suivi la proposition de Philippe Nantermod d’instituer un mécanisme de restitution des réserves lorsque le taux de couverture dépasse 150%.

Health insurance funds should give up their reserves


The National Council opens a breach of the obligation to return the excess reserves in the basic health insurance. But it will still need the approval of the Council of States.

The National Council has followed Philippe Nantermode's proposal to create a mechanism to restore reserves when the coverage rate exceeds 150%.

The National Council has followed Philippe Nantermode’s proposal to create a mechanism to restore reserves when the coverage rate exceeds 150%.


The National Assembly on Thursday approved a parliamentary initiative by Philippe Nantermode (PLR/VS), which proposes a mechanism for setting money reserves for basic health insurance. On the other hand, he rejected a series of initiatives from the cantons of Ticino, Geneva, Vaud, Jura, Fribourg and Neuchâtel, which also demanded insurers to maintain their reserves at 150% and return the amounts exceeding them.

“At over 150%, we give the money back!”

In a short discussion, Pierre-Yves Mayard (PS/VD) noted that the funds’ reserves have risen in recent years to more than 12 billion francs. Some reach coverage rates in excess of 200%. He denounced, saying: “12 billion is twice the level of legal reserves, 6 billion is enough to cover very good. Assuming two or three billion is needed, there are still three or four billion at the end of the year, which corresponds to a 10% increase in premiums. We must be politically courageous and give a signal by adopting these initiatives. Over 150% we get the money back! “

State Assembly not hot

As a reminder, last year The Federal Council decided to act So that funds reduce their reserves, but always in accordance with their good faith. Since then, some have made small payments to their policyholders, and others have used this flexibility To reduce installments 2022. But the problem has not been resolved for the above cantons, which require a binding version to reduce reserves. The Council of State rejected their proposals last year by 20 votes to 17. The Ad Hoc Committee on States also rejected Philippe Nantermode’s initiative narrowly, by 6 votes to 5.

Annual Response Mechanism

The recovery mechanism proposed by Valaisan is quite simple: “When the reserves of the insurance company exceed 150% of the minimum level, the surplus is redistributed to policyholders in the following year, in the form of a deposit over the payment premiums. The amount is distributed by canton and class of insured in proportion to the amount of Premiums paid.

‘Unnecessary woolly sock’

By 107 to 58, that’s the solution approved on Thursday. For Philip Nantermode, the money from the excess reserves “is not used for the insured. It is not used during the epidemic. This is an unnecessary woolen sock. This money belongs to the citizens, and while we are talking again about the massive increases in premiums, it seems to be a small payment In the form of a welcome redistribution of these surplus reserves.”

His proposal must now pass the course of the State Assembly plenum, another pair of sleeves.

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