In 1994, I was tasked with calculating the solvency of the Lloyds Insurance Market. It’s a requirement of the act[1]Lloyd’s Acts that covers the Market, and usually it was just a formality. In that year it mattered. There was a very real concern that the Market was insolvent. The Lloyds Insurance Market is complex, made… Continue reading Corporate small print trickery
Category: Switzerland
The great divide
When I was living in America, I often had the feeling that they were still fighting the civil war. After the war, Lincoln understood how divided the country had become, and determined that he needed to unite the country[1]Team of Rivals: The Political Genius of Abraham Lincoln. He had already started to implement his plans… Continue reading The great divide
Are we being lied to again?
Switzerland’s Federal Office of Public Health (FOPH) has recommended NO Covid vaccination for Spring /Summer 2023. Their reasons are that nearly everyone in Switzerland has either been infected, or been vaccinated, and the the current version of the virus is mild. Even people who are in the high risk category are not advised to get… Continue reading Are we being lied to again?
Our problem with the FOPH
When I first read Health2030 – the Federal Council’s health policy strategy for the period 2020–2030, I was excited at the prospect of a government agency that understood the challenges it was facing, and had a clear plan of how to address them[1]The Federal Council’s health policy strategy 2020–2030. It seemed to have objectives for… Continue reading Our problem with the FOPH
Hungerstreik
Die Gesundheitsversorgung in der Schweiz kostet heute mehr als 11.000 US-Dollar pro Person und Jahr und ist damit die teuerste der Welt. Gemäss KVG, dem Krankenpflege- und Krankenversicherungsgesetz, ist die Versicherung obligatorisch, und die Ärmsten werden vom Wohnkanton subventioniert. Abgesehen davon, dass es eine Lücke zwischen dem Gesetz und der Praxis gibt. Ich falle in… Continue reading Hungerstreik
Grève de la faim
Les soins de santé en Suisse coûtent désormais plus de 11 000 dollars par personne et par an, ce qui en fait les plus chers au monde. Dans le cadre de la LAMal, la législation sur les soins de santé et l’assurance-maladie, l’assurance est obligatoire et les plus pauvres sont subventionnés par le canton dans… Continue reading Grève de la faim
Hunger strike
Healthcare in Switzerland now costs in excess of US$11,000 per person per annum, making it the world’s most expensive. Under the LAMal, the legislation covering healthcare and healthcare insurance, insurance is mandatory, and the poorest are subsidised by the canton in which they live. Except that there is a gap between the law and the… Continue reading Hunger strike
Generics – a simple way to reduce healthcare costs
Pharmaceuticals constitute 15.6% of worldwide healthcare costs. That number is already being reduced in countries that have adopted an active policy to use generic drugs instead of their more expensive branded equivalents. Understanding the mechanics is important. What are generics drugs? Generic drugs are the pharmaceutical equivalent of the original product that was covered under… Continue reading Generics – a simple way to reduce healthcare costs
Switzerland’s healthcare is now the world’s most expensive.
Switzerland’s healthcare is now the world’s most expensive. That should worry the people who have the responsibility to the citizens of this country, the FOPH, the politicians and the health insurers. It certainly worries us, the people who are paying for it. On 24 January 2023, I wrote a letter to the members of the… Continue reading Switzerland’s healthcare is now the world’s most expensive.
Mensonges et statistiques
“There are three kinds of lies: lies, damned lies, and statistics” – Mark Twain HRV Health a été créé pour faire face au coût insoutenable des soins de santé en Suisse. Nous sommes loin d’atteindre cet objectif. Depuis mon arrivée ici il y a quatre ans et demi, ma prime d’assurance maladie a augmenté de… Continue reading Mensonges et statistiques