We are creating a growth market for health that paradoxically needs and creates more sick people. This is what’s going wrong: Our healthcare comes in when there is disease – hence one should rather speak of "disease care". Actors in the system profit when there is illness. The incentives are set in such a way that illness promises profit and higher income. Do we want a disease growth market? It contradicts our need to promote health. Don’t we want to boost the amount of diagnoses? Don’t we want a higher degree of individual health and a better health of our population? Then it is urgent that we rethink health. It needs new incentives. Healthy = poorly examined - cannot be the future of our healthcare system.
A social security growth market? Since the introduction of the Federal Law on Health Insurance (KVG) in 1996, health insurance premiums have increased by an average of 4.6 percent each year. Has politics failed? Any saving measures will result in overall additional costs, a premium increase and less performance. Health costs are rising rapidly, and consequently also premiums. Since 1996, the costs per insured person have more than doubled (1996: CHF 1’547, 2006: CHF 2’758, 2016: CHF 3’763 per insured person). Within 10 years, these have increased by a good third. Swiss healthcare is one of the most expensive in the world. Today, Switzerland spends around 11 percent of its economic output on healthcare. According to federal forecasts, this share will continue to increase in the future. The cost development is reflected in the premiums. The permanent increase far above the inflation rate leads to an increasing burden on the premium payer - a loss of real wages that cannot be ignored. The burden on mid-level income persons and families, who have no claim on individual premium reduction, is especially great. On average, Swiss households spend around 7 percent of their gross income on health insurance premiums. There are also reports that speak of 14%. Especially households in lower income classes or families are disproportionately burdened. For example, a family of four pays around CHF 15,000 per annum in health insurance premiums.
The one who pays everything - the premium payer, however, has no voice in healthcare. We have no voice. Can we correct this? With the Public Interest Organization Premium Payers (IGPZ) we are building a political lobby for the premium payer and taxpayer and are committed to reducing wrong incentives.
As long as we, who ultimately finance the healthcare system, have no say, the lucrative “market of disease care” continues to grow unabated.
Our healthcare has to be re-designed to be healthier, cheaper and better - we demand efficiency for the premium payer and patient. A growth market in social insurance of sickness is inefficient for everyone.
We participate in the public debate and take a stand in the political debate in the field of public health, including legislative hearings and consultations.
In addition, we create the opportunity for each premium payer to participate in the control and approval of their invoices - within the framework of our “eBill” project.
We strengthen transparency. The obscurity of the Swiss healthcare system is evident in many areas, including the lack of information on the quality of indications of treatments and the associated quality of results. We start with the bills.
The potential for high-quality, future-oriented and needs-oriented healthcare is there. However, it is increasingly destabilized by a permanent increase in costs. At the same time, there is no appreciable value add for the premium payer and patients with which this increase in costs can be justified. Unclear distribution of responsibilities and questionable financial incentives lead to over-supply in outpatient medicine, overcapacity in the inpatient sector and an "arms race" between the hospitals in the medical-technical area. At the same time, a supply and financing crisis is emerging in outpatient and inpatient long-term care. There is also a risk of supply shortages in the areas of psychiatry and rehabilitation. The Swiss Academy of Medical Sciences SAMW is warning against this in its report on rationing in healthcare. Furthermore, the SAMW points out that an unused savings potential without quality loss of 6-7 billion CHF exists. Under the guise of self-responsibility, the premium payer will also be further burdened. An expansion of benefits in supplementary insurance or an increase in the franchise are examples. We take a firm stand against these developments.
We are committed to this: avoiding wastage, preventing undersupply and promoting need-based care with equal, good access for all. We support existing projects for interprofessional cooperation in care as well as projects that reduce financial disincentives, including the possibility to obtain second opinions without cost.
Healthcare in Switzerland is one of the world's most expensive, but at the same time is of high quality. It is accessible to the whole population, a free choice of doctors is guaranteed and there are no noteworthy waiting times for treatments and operations. However, there is only limited correlation between health expenditure and the outcomes of the health care system. Projects that improve the quality of care often help to save costs. We support such projects. These include in particular the Health Technology Assessments (HTA), the Critical Incidence Report Systems (CIRS) and in turn cross-sectoral care. At the same time, prevention plays a major role in the quality of results. Prevention before treatment and care in many cases is useful, better and cheaper.