Prevention

CSS advocates as a health partner that all insured persons take responsibility for their health. This includes acting in a way that promotes health and taking preventive measures. CSS makes relevant products and services available to its insured persons.

The current system of prevention and health promotion has gaps: Compared to the three pillars of medical healthcare (treatment, rehabilitation and care), prevention and health promotion are only partly enshrined in law; the separation of powers between the Federal government, cantons and insurers has not yet been conclusively clarified. The result is a lack of control and coordination in many areas of disease prevention and health promotion, but also in terms of transparency regarding the services on offer and how they perform.

CSS believes that prevention and health promotion should be given greater importance in today's system. Providing individual support in disease prevention and when someone falls ill is an aspect that is becoming increasingly important. Health insurers should legitimately be able to help insured persons to promote their own personal health, and should not be constrained by the current legal framework of medical prevention. That is why CSS welcomes the provision adopted in relation to MNP2, which will allow health insurers in future to target the people they insure with information about specific preventive measures, such as check-ups for chronic medical conditions, or about suitable special forms of insurance, such as medical networks in the region.

As CSS sees it, prevention taxes financed by premiums must satisfy the requirement that the benefit to the insured persons of such measures can be proven and that the measures are directly related to the business of health insurance. Basically, insurers should not be deprived of the opportunity of giving their insured persons incentives to take voluntary prevention measures.