Risk compensation
A system of mandatory insurance, with a requirement to admit all applicants and a uniform premium, needs a functioning system of risk sharing and compensation between insurers. Otherwise the incentives under the current system to hold as many "good risks" (and as few "bad risks") as possible in the portfolio are too great. Optimised risk compensation makes the hunt for healthy insured persons and the marginalisation of sick ones unattractive. It is the prerequisite for meaningful competition on the domestic market, with a focus on the cost of services.
The current design of the risk compensation system has proven fit for purpose and contributed to the consolidation of the health insurance market; however, optimising the hospitalisation indicator, for instance, would be one way in which it could be developed further.
In 2023, the Federal Council adopted an amendment to the Ordinance on Risk Compensation in Health Insurance (VORA). This amendment allows the general market statistics on risk compensation to be supplemented with additional information, thus enabling insurers to better estimate the risk compensation and calculate mandatory healthcare insurance premiums even more appropriately.
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As a health partner, we are committed to leading a healthy life, actively taking steps to regain one's health and developing a mindful approach to illness.
