Sick pay premiums in the Canton of Obvaldo: reduction and deductibles (cross-border guide)

Context

Health insurance premiums in the Canton of Obvaldo: reduction and deductibles

The cantonal law on health insurance in the Canton of Obvaldo provides for age groups and deductibles to reduce premiums. This means that some categories of people will be able to pay less for health insurance.

According to cantonal law, age groups are divided into three categories:

• Families with children: Families with children up to the age of 18 can enjoy a premium reduction of up to 20% compared to families without children.
• Elderly people: Older people over 65 can enjoy a reduction in premiums of up to 15% compared to people between the ages of 18 and 65.
• Families with disabilities: Families with disabilities can enjoy a premium reduction of up to 25% compared to families without disabilities.

Deductibles are another important aspect of cantonal law. Deductibles are the cost that the patient must pay before they can access health services. According to cantonal law, deductibles are set at:

• CHF 300 for medical examinations
• CHF 500 for hospital services
• CHF 200 for specialist visits

Here is a concrete example of how reducing premiums and deductibles works:

• A family with a 10-year-old child and an income of CHF 80,000 per year can enjoy a 20% premium reduction compared to a family without children on the same income.
• The family must

Operational details

Sick pay premiums in the Canton of Obvaldo: reduction and deductibles

Sick pay premiums may be reduced for certain categories of people. This means that some people will be able to pay less for health insurance. This is possible thanks to several Swiss regulations that aim to ensure access to quality medical care for all citizens.

In Switzerland, the health insurance system is managed by the cantons, which are responsible for the management of sickness funds. Each canton has its own rules and regulations regarding health insurance. In the Canton of Obvaldo, for example, you can benefit from a reduction in health insurance premiums.

According to the Federal Health Insurance Act (LAMal) of 1996, members of health insurance systems can benefit from a reduction in premiums if they meet certain conditions. For example, members who have a low income threshold or who are unemployed may benefit from a premium reduction.

A concrete example is that of a person who has an annual income of CHF 30,000.- and who is unemployed. In this case, you could benefit from a 20% premium reduction compared to the base rate.

The premium reduction can only be applied if the subscriber meets certain conditions. For example, if the subscriber has an annual income of more thanCHF 80,000.-, they will not be eligible for a premium reduction.

In addition, the law

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Key points

Health insurance premiums in the Canton of Obvaldo: reduction and deductibles

To check if you are eligible for a deductible or an age group, you should consult the website of the Canton of Obvaldo. There, you can find more information about the cantonal health insurance law and how to apply it.

The Canton of Obvaldo is known for its strict health insurance policies, but also for its initiatives to support families and citizens in difficulty. Cantonal Health Insurance Act , passed in 2018, states that citizens of the Canton of Obvaldo must have health insurance in order to access public health services.

The law also provides for a reduction in premiums for families with low incomes, such as the family of a worker with an income of CHF 60,000 per year. According to the 2022 calculation, for a family of three, the annual premium would be about CHF 3,500, instead of the CHF 5,000 envisaged for a family of two.

To obtain the premium reduction, you must submit an application to the social welfare office of the Canton of Obvaldo, which will assess the situation of the family and decide whether the reduction can be applied.

Here is an example of how the deductible works: if a citizen of the Canton of Obvaldo has an income of 80,000 francs per year, he could be admitted to a deductible of 1,000 francs, which means that he does not have to pay the

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