| Old system | New system | |
---|---|---|---|
 | Social health insurance (ZFW) | Alternative private health insurance (PHI) | Private social health insurance |
Insured people | People under a certain income ceiling (two-thirds of the population) | People above a certain income ceiling (one-third of the population) | The whole population |
Mandatory/voluntary | Mandatory primary healthcare package and voluntary additional healthcare package | Voluntary | Mandatory primary healthcare package and voluntary additional healthcare package |
Premium rating | Income-dependent (85%) and community rating (15%) | Dependent on the risk profile of the person requesting the insurance | Income-dependent (50%) and community rating (50%) |
Benefits in kind/ benefits in cash | Benefits in kind | Benefits in cash | Insurers are allowed to offer both |
Voluntary policy excess | No | Yes | Yes |
Insurer choice | Those insured could change insurer and additional insurance product yearly, but in practice choice options were limited | Those insured could change insurer and insurance product yearly | Those insured can change insurer and additional insurance product yearly |
Provider choice | Free choice among contracted providers | Free choice among all providers, but may receive only partial reimbursement | Free choice among all providers, but may receive only partial reimbursement |