Supervision of supplementary insurance (FINMA)

Among other duties, the Swiss Financial Market Supervisory Authority (FINMA) supervises supplementary health insurance. It checks whether the proposed premiums are kept within reasonable limits, such that the solvency of the individual insurance institutions is guaranteed and the insured persons are protected against abusive practices. Insurers may only offer their products once FINMA has approved the premiums.

Protecting insured persons from any abuse is a key and unequivocal concern of the Insurance Supervision Act (VAG). What is meant by 'abuse' has never been specified in more detail by law. However, FINMA's current understanding of what constitutes abuse is very broad and the resulting interventions into insurers' entrepreneurial and contractual freedom are very far-reaching.

CSS recognises the importance of having a politically independent and transparent supervisory system. However, supplementary health insurance is supervised under stricter criteria than other forms of non-life insurance. CSS calls for equal treatment in this respect and rejects interventions in the insurers' freedom of decision, which have an insufficient legal basis. It is committed to establishing operating conditions that allow enough room for individual and innovative insurance options.

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