Compulsory insurance of health care: in 2010, premiums for adults with basic allowance will increase by an average of 8, 7 percent

The health insurers will increase premiums for adults with basic relief on average 8, 7 per cent, throughout the national territory. Depending on the canton, the increase is between 3.6% and 14.6%.
In 6 cantons (BS, GE, JU, NE, TI, VD) increase in premiums falls below the national average at between 3.6% and 7.7%. In 6 other cantons (FR, GL, SH, TG, VS, ZH), the increase in the range of 8, 5% and 10.0% fall in average increases in premiums. In the remaining 14 cantons (AG, AI, AR, BE, BL, GR, LU, NW, OW, SG, SO, SZ, UR, ZG) the rise in premiums for 2010 is above average and varies from 10.2 % to 14.6%. The premium increases lower than the average leading to the decrease of reserves in these cantons, thus targeting the harmonization of reserves computational cantonal, and indeed called for by Parliament.
While the 10% increase in premiums for minors is only slightly higher than premiums for adults, young adults are facing main increase of 13.7%. The reason is that many insurers have limited the reduction of premiums for young adults.

The Federal Council has reduced the reductions for the optional exemptions from 80% to 70%. The implementation of this provision leads many insurers to lower cuts on the exemption option for 2010, with the result that premiums for higher deductibles increased more.

The increase in premiums for 2010 is lower than expected FOPH this spring, since in the meantime, the Federal Council decided on measures to reduce costs in the field of medicines (prepared original, generic, lower part of its distribution) and that, as you know, financial markets have recovered, even more than predicted in the spring.

Information to policyholders
By the end of October 2009, health insurance companies will have to communicate individually with its affiliates who hold the new basic insurance premiums, the deductibles and the proposed premium reductions granted since 2010. For their part, policy holders will have until the end of November 2009 to terminate the contract with their insurance or to choose another form of insurance.

Service awards BAG
Until 31 October 2009, the insurers to notify their members individual premiums for 2010. Policyholders can obtain information via the Internet at www.premi.admin.ch or order a document of the 2010 awards in printed form (see below opportunity to order).
1. Overview of the 2010 awards
To policyholders who wish to confront the changing health insurance premiums 2010 or the Health Office provides the "Overview of 2010 awards. This overview can be obtained in electronic form or hard copy. It lists the premiums charged by all health insurance companies and provides other information.
Directions to compare electronic prizes: at www.premi.admin.ch is available to policyholders a premium calculator that includes all the premiums charged by health insurers for basic framework, approved by the FOPH for 2010. In addition to the awards with the excess base, the computer can also compare the premiums and the models with optional deductible insurance with limited choice of service providers (HMO, "family doctors" and other models) in the respective regions and the D ' age of the insured person.

2. Advice premiums
The BAG also offers policyholders the address www.premi.admin.ch, the document 'Advice on premiums, "with information and advice on saving opportunities, as well as patterns of letters.

Insurance Protection for holders Rider Harley-Davidson and Buell

Guided un'Harley-Davidson or a Buell? Then the insurance Protection Rider can do for you. This is an insurance product developed in collaboration with the company RSA (Royal & Sunalliance), which according to the American home can obtain favorable rates on coverage for civil liability and theft and fire. Ainoltre the bill provides for the possibility of providing all the accessories firmly fixed on the bike, which is certainly intereressante seen that the majority of HD is heavily modified and equipped by the owners.
The policy provides a fixed rate, which varies only during a change of province of residence dell'intestatario without taking into account other parameters, and has a ceiling of 3 million euros without bonus-malus. Other services to complement the policy base are protection against accidents of the driver, roadside assistance and legal protection.
If you buy an insurance policy for theft and fire, the customer will enjoy the overdraft zero, which is equivalent to a full refund with no deductible. In the case of new bikes is also repaid within the first six months of purchase the entire value of the medium.

Taxation for certain contracts for life insurance

The submission to the payroll taxes of certain contracts of life insurance will be included in financing plan for Social Security (PLFSS) to be presented Thursday at the National Assembly, said on Wednesday the Minister of Budget.
Under the Social Security Financing Bill, "we will broaden the participation of capital income to finance social protection," said Eric Woerth, during a meeting with journalists. The government wants to submit to social charges (CSG and CRDS) contracts multichannel units of account whose capital was exempt from CSG and CRDS (12.1%) for death.
"I think the CSG on contracts for life insurance multichannel Death (...) If you do not die there CSG, if you die there is no CSG, find the error "said the minister. The expected revenue would amount to 270 million euros, according to the press.
While the French Federation of Insurance Companies (FFSA) has not yet responded, the French association for savings and retirement (Afer) was made immediately heard through an open letter to President Republic published in the press.

The first association of French investors protested against a proposed "legally inconsistent" and asks the president "does not change the rules along the way." "You are personally committed to keeping your promises (...) not to return to the permanent tax and social insurance-life," the president of Afer, Gerard Bekerman, who recalls that 12 million French are insured "to build capital retirement.

"They've trusted (...) They will trust you (...) Just to keep this treasure, this trust to enforce the commitments you have made," he concludes.

La Financière agricole sinking into deficit

La Financière agricole, a provincial Crown corporation that specializes in loans and insurance for its sector, saw its deficit rise to $ 1.5 billion at the end of the 2008-09 biennium due to the particular problems of the Hog Industry .
The deficit is widening in recent years is largely due to problems of insurance program farm income stabilization (ASRA).
ASRA encroaching on 69% of funds of the corporation. The program has been $ 835.6 million in compensation - $ 433 million for the pork industry - against $ 767.7 million in contributions.
Disbursements are costly to taxpayers because the program is funded by third farmers and the rest is borne by the Agricultural Finance, which receives contributions from Quebec and Ottawa.
Towards crop insurance, which responds to unexpected afflicting crops, compensation totaled $ 79.8 million while contributions were limited to 68.8 million. La Financière agricole attributes these results to poor harvests hay, affected by a less favorable climate last year.
Insurance income stabilization for farmers is questioned in recent years. In February, Michel Saint-Pierre in Quebec handed a report entitled A new generation of financial support programs for agriculture. He suggested a restructuring that would raise the contribution of the largest agricultural companies, firms derive less efficient the system and decrease the risk assumed by the state. The changes also would force entrepreneurs to manage their production according to market dynamics.

In addition to problems in insurance, the stock of the Financière agricole has been affected by the lackluster results of the Caisse de depot et placement du Quebec. The performance of the Insurance Fund loans for agriculture and forestry was -17.69% for its fiscal year. The Fund crop insurance, it has suffered a decline of 23.95%.

To date, organizations such as the Federation of Pork Producers and the Union of Agricultural Producers have come to the defense of insurance programs and the economic activity generated by the industry. Silver has contacted representatives of the Agricultural Financial, who chose not to comment on the situation. Created in 2001, the Agricultural Financial maintains relationships with over 26 000 companies. Its portfolio insurance covers $ 5 billion in value while the loan covering $ 4.3 billion in assets.

Life Insurance: subscriptions in 2009 did not offset the decline in 2008

Since the beginning of the year, contributions in life insurance (92.8 billion) grew 9% over the same period in 2008, but still 3% lower than those of 2007 , said the French Federation of Insurance Companies (FFSA). In late August, the payments on the media in euros, still growing, attracted 81.1 billion euros, while payments on the media unit of account (11.7 billion) are still declining.

Health insurance: 4.1% Increase in Geneva

The insurance premiums of Geneva will increase by 4.1% next year for adults, according to figures newly published by the Federal Office of Public Health. On average, adults will pay 435 francs a month for basic insurance. The increase will be much saltier for young adults between 19 and 25 years (7.8%, to 374 francs). For children, the increase is 6.1%, to 101.50 francs. State Councilor Pierre-François Unger, who demanded an increase of zero or 1%, has not been heard. After Basel City, Canton Geneva remains the most expensive in Switzerland. Small consolation: health insurance premiums will rise more slowly than the national average: 8.7% for adults, 13.7% for young adults 19-25 years, 10% for child

A draft public health insurance in the U.S. Senate rejected

The Committee on Finance U.S. Senate rejected, Tuesday, September 29, a bill introduced by Sen. Jay Rockefeller aimed at establishing a public health insurance available to all Americans, as part of the establishment of health protection "universal", a central element of the program on which Barack Obama was elected. The committee rejected this proposal by 15 votes against 8. Its 10 members are all Republicans opposed it. They were joined by 5 of the 13 Democrats, including Sen. Max Baucus, Montana and elected chairman of the committee. He had recently seen its own project of "bipartisan compromise" unanimously rejected by the Republicans. All opponents of the project cited the fact that such public health insurance by offering lower prices, competition would be "unfair" to the private sector.