Health Insurance Switzerland 2024

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

‘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:

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.