{"id":31232,"date":"2025-05-06T11:31:39","date_gmt":"2025-05-06T09:31:39","guid":{"rendered":"https:\/\/novassurance.ch\/?p=31232"},"modified":"2025-05-06T11:31:41","modified_gmt":"2025-05-06T09:31:41","slug":"assurance-maladie-en-2025-ce-qui-change-en-suisse","status":"publish","type":"post","link":"https:\/\/novassurance.ch\/en\/assurance-maladie-en-2025-ce-qui-change-en-suisse\/","title":{"rendered":"Assurance maladie en 2025 : ce qui change en Suisse"},"content":{"rendered":"<p class=\"has-text-color has-link-color wp-elements-8e71d6e97c8795a09ae0daea8cf2e205 wp-block-paragraph\" style=\"color:#022d46\">En Suisse, l\u2019assurance maladie est au c\u0153ur du syst\u00e8me de sant\u00e9. Elle garantit un acc\u00e8s \u00e9quitable aux soins, mais chaque ann\u00e9e, les r\u00e8gles \u00e9voluent, les primes augmentent, et les assur\u00e9s doivent s\u2019adapter.<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-af4e26ab503edbf040a65d05aec686b5 wp-block-paragraph\" style=\"color:#022d46\">En 2025, plusieurs r\u00e9formes entrent en vigueur, avec des impacts notables sur les particuliers comme sur les entreprises. Voici un tour d\u2019horizon des principaux changements \u00e0 conna\u00eetre.\u00a0<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-12fa5f618a927cccc30652666c8ed88f\" style=\"color:#022d46\"><strong>Les primes maladies poursuivent leur hausse en Suisse en 2025<\/strong>&nbsp;<\/h4>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:9px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:9px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-ca5de0fef8ebf3cf4dd503614593f406 wp-block-paragraph\" style=\"color:#022d46\">En ce printemps 2025, les nouvelles primes appliqu\u00e9es depuis janvier confirment une tendance bien connue : l\u2019assurance maladie devient de plus en plus co\u00fbteuse. <\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-7bb72e8e4d699385977a998df05968e9 wp-block-paragraph\" style=\"color:#022d46\">D\u2019apr\u00e8s les derni\u00e8res statistiques publi\u00e9es par<a href=\"https:\/\/www.bag.admin.ch\/bag\/fr\/home.html\"> l\u2019Office f\u00e9d\u00e9ral de la sant\u00e9 publique (OFSP)<\/a>, les primes moyennes ont progress\u00e9 de 6 \u00e0 8 % selon les cantons.\u00a0<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-7b3761f157eee8ebfca1056f332a4ac9 wp-block-paragraph\" style=\"color:#022d46\">Plusieurs facteurs expliquent cette \u00e9volution :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-bbf63d91f9a4eeb03594e3a88fd584a7\" style=\"color:#022d46\">Le vieillissement d\u00e9mographique et l\u2019augmentation des maladies chroniques&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-db8826eb1ddbc5eb7f6bcbab71295bde\" style=\"color:#022d46\">La hausse des co\u00fbts dans les soins hospitaliers et ambulatoires&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-c6f70301eba9c7e7bf316533d27e2db2\" style=\"color:#022d46\">L\u2019introduction progressive de nouvelles prestations rembours\u00e9es&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-f45ff0f01714f378d27aa9ecc02d079b wp-block-paragraph\" style=\"color:#022d46\">Cette \u00e9volution se traduit par une charge financi\u00e8re de plus en plus lourde pour les m\u00e9nages, en particulier pour les familles ou les personnes \u00e0 revenu modeste. <\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-d5ea629ca07771e6f91639fbd350bf73 wp-block-paragraph\" style=\"color:#022d46\">Face \u00e0 cette r\u00e9alit\u00e9, de nombreux assur\u00e9s se voient contraints de r\u00e9\u00e9valuer leur couverture, d\u2019envisager un changement de caisse ou d\u2019opter pour une franchise plus \u00e9lev\u00e9e, afin de contenir le co\u00fbt de leur assurance sant\u00e9.\u00a0<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-8c4b8d67528546ccab1a3c60576a619f\" style=\"color:#022d46\"><strong>Franchise et participation : ce qui change dans l\u2019assurance maladie en 2025<\/strong>&nbsp;<\/h4>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-d9d45e959c2dd54b9727089af6d196d0 wp-block-paragraph\" style=\"color:#022d46\">Plusieurs r\u00e9formes restent \u00e0 l\u2019\u00e9tude concernant l\u2019ajustement des paliers de franchise. M\u00eame si le Parlement n\u2019a encore vot\u00e9 aucune d\u00e9cision d\u00e9finitive, l\u2019id\u00e9e d\u2019indexer les franchises minimales selon l\u2019\u00e9volution des co\u00fbts de la sant\u00e9 reste envisag\u00e9e.<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-18a21697ce0e4f31ba5d3b510f9d21c1 wp-block-paragraph\" style=\"color:#022d46\">Si cette mesure entre en vigueur, elle entra\u00eenera probablement une hausse progressive \u00e0 moyen terme.<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-a4da5ebf93f5dfa7ef9ea99d932a3b36 wp-block-paragraph\" style=\"color:#022d46\">Dans le m\u00eame temps, certains cantons ont commenc\u00e9 \u00e0 revoir leurs r\u00e8gles de remboursement, notamment en mati\u00e8re de soins ambulatoires, ce qui modifie directement la charge restante \u00e0 la charge de l\u2019assur\u00e9.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-e7a9faa8f7b90e6ab8acc6d63a07f2d1 wp-block-paragraph\" style=\"color:#022d46\">R\u00e9sultat : mieux comprendre sa couverture sant\u00e9 devient crucial. Analyser son profil m\u00e9dical, ses d\u00e9penses de soins habituelles et son budget permet de choisir des options r\u00e9ellement adapt\u00e9es.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-19cda1d84ff7ad4a088ff117cb3c6e4b\" style=\"color:#022d46\"><strong>Changer de caisse maladie devient plus simple en 2025<\/strong>&nbsp;<\/h4>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-800153ccd9ab65690a8eef4f22982407 wp-block-paragraph\" style=\"color:#022d46\">Depuis le d\u00e9but de l\u2019ann\u00e9e, de nouvelles mesures visent \u00e0 renforcer la transparence et la concurrence entre assureurs.<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-f893bbf5bc300e6773296acfb9c36b17 wp-block-paragraph\" style=\"color:#022d46\">Les assur\u00e9s b\u00e9n\u00e9ficient d\u00e9sormais de proc\u00e9dures de r\u00e9siliation plus fluides et de documents contractuels harmonis\u00e9s.\u00a0<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-13155097ab4c985317f311f41dc7b613\" style=\"color:#022d46\">Chaque caisse doit informer clairement ses assur\u00e9s sur les prestations incluses.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-abbd462b9d82ac0bdd7128d223b0aa75\" style=\"color:#022d46\">Le changement d\u2019assureur peut d\u00e9sormais se faire plus facilement en ligne&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-text-color has-link-color wp-elements-4823d65c961e51adef3a8f55333cf46c\" style=\"color:#022d46\">Les comparateurs reconnus gagnent en fiabilit\u00e9 et en lisibilit\u00e9&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-bc94d384eec1110317e1fe54f7c87d20 wp-block-paragraph\" style=\"color:#022d46\">Ces \u00e9volutions permettent \u00e0 chacun de reprendre le contr\u00f4le de son assurance sant\u00e9 plus sereinement.&nbsp;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-color has-link-color wp-elements-7b43fb318acc7019508a136e574125ca\" style=\"color:#022d46\"><strong>L\u2019assurance maladie 2025 impacte aussi les entreprises<\/strong>&nbsp;<\/h4>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-47909cba1477a31daa05606756cf13ab wp-block-paragraph\" style=\"color:#022d46\">L\u2019\u00e9volution du syst\u00e8me d\u2019assurance maladie affecte directement les entreprises suisses, notamment les PME. La gestion des primes collectives, des contrats et du suivi RH devient plus complexe. <\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-61e54f954a30760e849f924782b799e1 wp-block-paragraph\" style=\"color:#022d46\">En 2025, les \u00e9changes entre caisses et employeurs se digitalisent davantage, simplifiant certaines d\u00e9marches. Les assureurs proposent d\u00e9sormais des offres group\u00e9es plus flexibles pour mieux r\u00e9pondre aux besoins des \u00e9quipes en entreprise.<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-11b294c4bce809aaad22ccf365e594a6 wp-block-paragraph\" style=\"color:#022d46\">Beaucoup choisissent aussi d\u2019externaliser la gestion administrative pour gagner du temps et \u00e9viter les erreurs. <\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-63d80abc366a47e08aacce3f5b4ee59d wp-block-paragraph\" style=\"color:#022d46\">Les dirigeants doivent int\u00e9grer ces \u00e9volutions dans leur strat\u00e9gie RH et budg\u00e9taire afin d\u2019assurer une couverture adapt\u00e9e et de ma\u00eetriser les co\u00fbts.<\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h5 class=\"wp-block-heading has-text-color has-link-color wp-elements-4ee4b2a9c6e2640a8c95eee7ee5f2c89\" style=\"color:#022d46\"><strong>Novassurance vous guide pour faire les bons choix en 2025<\/strong>&nbsp;<\/h5>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-b829e38b817e7bcb686c14e6a64b1d42 wp-block-paragraph\" style=\"color:#022d46\">Chez <a href=\"https:\/\/novassurance.ch\/en\/\">Novassurance<\/a>, nous accompagnons les particuliers, ind\u00e9pendants et entreprises suisses dans leurs d\u00e9cisions en mati\u00e8re d\u2019assurance maladie.\u00a0<br>Notre approche est bas\u00e9e sur trois piliers : <strong>\u00e9coute, expertise, et int\u00e9grit\u00e9.<\/strong>\u00a0<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-f4a0a16392631093c53292983135d258 wp-block-paragraph\" style=\"color:#022d46\">En 2025, comprendre et ma\u00eetriser son assurance sant\u00e9 est devenu essentiel. Les hausses de primes, les ajustements r\u00e9glementaires et la diversit\u00e9 des offres obligent chacun \u00e0 rester proactif.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-bbe3d85f8e7203b430545297ed75ca01 wp-block-paragraph\" style=\"color:#022d46\">Besoin d\u2019une couverture mieux adapt\u00e9e \u00e0 vos besoins r\u00e9els et \u00e0 votre budget ?&nbsp;<\/p>\n\n\n\n<p class=\"has-text-color has-link-color wp-elements-ec179d3da54549ffdfe067a766833a91 wp-block-paragraph\" style=\"color:#022d46\"><a href=\"https:\/\/novassurance.ch\/en\/contact\/\">Contactez<\/a> nos \u00e9quipes, pour un accompagnement personnalis\u00e9 et humain !\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>En Suisse, l\u2019assurance maladie est au c\u0153ur du syst\u00e8me de sant\u00e9. Elle garantit un acc\u00e8s \u00e9quitable aux soins, mais chaque ann\u00e9e, les r\u00e8gles \u00e9voluent, les primes augmentent, et les assur\u00e9s doivent s\u2019adapter. En 2025, plusieurs r\u00e9formes entrent en vigueur, avec des impacts notables sur les particuliers comme sur les entreprises. Voici un tour d\u2019horizon des [&hellip;]<\/p>","protected":false},"author":4,"featured_media":31235,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31232","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"rttpg_featured_image_url":{"full":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/prescription-2316419-scaled.jpg",2560,1704,false],"landscape":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/prescription-2316419-scaled.jpg",2560,1704,false],"portraits":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/prescription-2316419-scaled.jpg",2560,1704,false],"thumbnail":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/prescription-2316419-150x150.jpg",150,150,true],"medium":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/prescription-2316419-300x200.jpg",300,200,true],"large":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/prescription-2316419-1024x681.jpg",1024,681,true],"1536x1536":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/prescription-2316419-1536x1022.jpg",1536,1022,true],"2048x2048":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/prescription-2316419-2048x1363.jpg",2048,1363,true],"trp-custom-language-flag":["https:\/\/novassurance.ch\/wp-content\/uploads\/2025\/05\/prescription-2316419-18x12.jpg",18,12,true]},"rttpg_author":{"display_name":"Awa","author_link":"https:\/\/novassurance.ch\/en\/author\/awa\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/novassurance.ch\/en\/category\/uncategorized\/\" rel=\"category tag\">Uncategorized<\/a>","rttpg_excerpt":"En Suisse, l\u2019assurance maladie est au c\u0153ur du syst\u00e8me de sant\u00e9. Elle garantit un acc\u00e8s \u00e9quitable aux soins, mais chaque ann\u00e9e, les r\u00e8gles \u00e9voluent, les primes augmentent, et les assur\u00e9s doivent s\u2019adapter. En 2025, plusieurs r\u00e9formes entrent en vigueur, avec des impacts notables sur les particuliers comme sur les entreprises. Voici un tour d\u2019horizon des&hellip;","_links":{"self":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31232","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/comments?post=31232"}],"version-history":[{"count":6,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31232\/revisions"}],"predecessor-version":[{"id":31274,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/posts\/31232\/revisions\/31274"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/media\/31235"}],"wp:attachment":[{"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/media?parent=31232"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/categories?post=31232"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/novassurance.ch\/en\/wp-json\/wp\/v2\/tags?post=31232"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}