Thursday, November 14, 2019
Home Business Who flashes first? Health insurers await each other's premium NOW

Who flashes first? Health insurers await each other's premium NOW

The surplace is a well-known technique in track cycling: the rider remains practically in the same place balancing on the bicycle. In this way the athlete tries to prevent an opponent from using his or her speed. A similar ritual arose when publicizing health insurance premiums for the coming year.

Most health insurance companies wait until the very last moment to announce their premiums, so that the competitor cannot benefit from it. That last day is next Tuesday.

Most people therefore do not yet know what they will pay for health insurance in 2020, notes Amanda Bulthuis of comparison site Only DSW dares to announce healthcare premiums early. The Stad Holland and InTwente brands, both of which fall under DSW, have also announced their premiums.

Among other things, health insurers wait so long before making the health insurance premium known because they compete with a similar product: the basic insurance.

Few minutes to twelve

"For example Ditzo often comes at the very last moment. Often only a few minutes before noon on the day they have to make it known. They also always say:" We have the cheapest policy with free choice of care. " To keep that up, you really have to be as low as possible. "

DSW doesn't care. They have a completely different philosophy, Bulthuis explains. Based on the data presented during Prince's Day, the insurer calculates which premium is needed to cover costs.

And if we have to rely on those premium increases, then there is certainly a nice increase in the barrel. DSW is going to raise the health insurance premium by 5 percent from 112 euros per month to 118 euros per month. The increase is even 8 percent at Stad Holland. Other insurers often follow the movement that DSW makes.

Lower discount for collective health insurance

In addition, the discount on collective health insurance is cut in half from 10 percent to a maximum of 5 percent. For health insurance policies taken out through an employer or an association, this probably means a substantial increase in the health insurance premium.

Why do premiums rise? Among other things, DSW makes less use of reserves to dampen premium increases. Last year, 5 euros (per month per insured person) was returned from the reserves. This year it will be 2 euros.

In addition, healthcare costs are rising. For example, wages are increased. "Everyone thinks that people in health care should earn more because they have to catch up", DSW chairman Aad de Groot said in September. DSW therefore expects wages in health care to be increased. De Groot: "Half of that is reflected in the higher premium."

. (tagsToTranslate) Money (t) Economy


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