• Almost 30% of people in Switzerland have switched or adjusted their basic health insurance as of 1 January 2024.
• The splitting rate is continuing to rise and is currently at 24%.
• One in two people involve someone else in their decision on health insurance.
• 44% of people in Switzerland plan to compare their premiums again this year.

• Backing for a unified health insurance fund has continuously increased in the past 30 years.
• The general public are expecting more than just lower premiums from a unified fund.
• The savings that people are hoping for from a unified fund range from 0% to over 50%.

• Opinions vary on positioning as a health care partner.
• Customers trust health insurers to play a role in various other markets too.
• 43% of respondents would like their health insurer to deliver attractive, digital services, but there is a zero-tolerance attitude when it comes to data protection and security.
• When it comes to working with health care platforms, private ones are still less widely accepted than state-backed solutions at present.

Longevity is a very broad topic – we recommend defining it as ‘bringing a person’s health span closer to their lifespan’.

Our definition of longevity

‘Longevity’ means much more – and is much more specific – than simply ‘living longer’.

The longevity trend is about bringing a person’s health span (how many years they live in good health) as close as possible to their lifespan (how many years they live in total) – in other words, allowing them to live a healthy life for as long as they can.

We would therefore define longevity as follows:

"Extending a person's health span and reducing the gap between it and their lifesan."

This poses a number of challenges to health insurers:

• Careful product planning is required, because longevity services can include new consumption elements (thus increasing costs) but also have a positive impact on health (thus reducing costs).
• In the medium term, customers living longer could push costs up, particularly if one side-effect of longevity measures will be to extend (slightly) the length of time they spend living with impaired health or illness.

Customer confidence is the most important currency for health insurers – cyber-security and data protection are key factors here.