The law states that insurance applies the principle of coverage of needs: the premium must pay the costs, neither more nor less. This cover is, of course, theoretical, calculating the premiums that fall under the chemistry that eludes more than one parliamentarian and many other, even the most knowledgeable, health observers.
Thus, in the welcome moves of caution that characterize what can sometimes be called the “Swiss spirit,” it is not uncommon for insurance to receive more than it pays. Better than the other way around.
Rest assured, these surpluses stay where they belong. in reserves. The law forbids the insurer to enrich himself, and in compulsory health insurance there are no profits. However, this did not prevent the reserves from unreasonably inflated. These reserves are calculated as a percentage of the legal minimum, 100% corresponding to the minimum. Below, your fund is not equipped to meet its obligations. Beyond that, it will hold up.
According to the latest solvency test conducted by the Federal Health Office, the average reserves were determined to be more than 200%, which is approximately 6 billion francs of excess reserves. Some of the largest funds have reserves of around 250%, or two and a half times the legal minimum.
Read also: A quick glimpse into the Medicare reserves scandal
This money does not serve the insured. It was not used during an epidemic. This woolen sock is superfluous. This money belongs to the citizens and must be returned.
The Federal Council shares this view. By decree, he introduced the principle of “Kalcolirong Knapps“: the premiums should be calculated ‘as accurately as possible’. In fact, ‘to the most erroneous.’ The premium should be assessed poorly enough not only to cover costs, and gradually return surplus reserves. It is doubtful that this method, proven At the organizational level, it corresponds to the principle of covering needs.
There is also a risk that the gap between costs and premiums will grow over time. Eventually, a shock, the famous yo-yo effect, occurs, with a sudden increase in premiums to make up the difference accumulated over time.
This Thursday, June 9, the patriot accepted my parliamentary initiative (107 votes in favor, 58 against and one abstention, editor’s note).. Capping 150% of reserves. Further, the surplus must be returned, in the form of a deposit over future installments. Thus, it will not be possible to do marketing with reserves and we run away from the dangers of the above-mentioned catch-up effect.
The way to get there is still a long way to go. Cantonese initiatives that demanded the same thing were rejected somewhat, to simplify discussion and focus on a single project. The ball is now in the court of the Council of States, which has already voted against these reforms, but only slightly. Let’s hope the Chamber of the People’s message is well received this time.