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Unlike for basic insurance, the benefits for voluntary supplementary health insurance can be freely structured within the scope of the Insurance Contract Act. There are some 900 products currently on the market with differing benefits and tariffs. FOPI has the legislative mandate to ensure that rates are neither so high as to constitute abuse nor so low as to threaten solvency.
Semi-private and private supplementary health insurance
With effect from 1 January 2008, 15 out of a total of 61 insurers in this market segment will adjust their premiums. Tariff changes have been registered in the case of 42 out of a total of 246 products. The adjustments which entail reductions as well as increases will lead across the whole segment to a slight rise in premiums per insured person of 0.6% (0.5% in 2007). With regard to the products concerned, the average increase amounts to 1%.
Outpatient care, general hospital coverage, dental and nursing insurance
With respect to mass business, i.e. the other benefits covered by supplementary health insurances that are generally available at a low cost, the premiums will increase by an average of 0.7% over the entire sector effective as of 1 January 2008. This category of supplementary insurance encompasses benefits such as outpatient care, general hospital coverage, and dental and nursing insurance. Rate adjustments will affect 30 out of a total of 583 products. Related to the products concerned, this is an average increase of 6.4%.