Health insurance companies
Health insurance companies in Liechtenstein
Individuals obligated to have mandatory insurance enjoy the freedom to choose from among health insurance providers licensed to offer health insurance in Liechtenstein:
CONCORDIA - National Office
Austrasse 27
9490 Vaduz
Telefon: +423 235 09 09
SWICA - Health Insurance AG
Meierhofstrasse 2
9490 Vaduz
Telefon: +423 377 16 90
FKB - The health insurance
Gagoz 75
9496 Balzers
Telefon: +423 388 19 90
Supervision
Supervision of health insurance in Liechtenstein falls under the jurisdiction of the Office of Health. The Government bears the responsibility for overseeing the entire health insurance system.
Health insurance in accordance with the provisions of the Health Insurance Act (KVG) can only be offered by the health insurance funds officially recognized by the government.
These health insurance funds are required to undergo an annual audit conducted by an independent auditing body recognized by the government. The funds must furnish the auditors with all necessary information and permit scrutiny of their books, statistics, accounting vouchers, business correspondence, and meeting minutes. The internal audit report must be submitted to the auditors..
In their annual financial statements, the funds must separately record benefits, contributions from insured individuals, cost-sharing, provisions, and reserves categorized by insurance class (mandatory insurance for health care, mandatory insurance for sickness benefits, supplementary insurance).
Any amendments to the statutes and regulations, particularly changes in insured persons' contributions, must be communicated in advance to the supervisory authority. The supervisory authority reserves the right to instruct the health insurance fund to modify its articles of association, regulations, or insured persons' contributions if they are found to be in contradiction with legal provisions.
Should a health insurance fund fail to adhere to legal provisions or the directives of the supervisory authority, the government holds the authority to suspend or retract all or part of its state contributions. In severe instances, the government reserves the right to withdraw official recognition.
Members of the organs (governing bodies) and employees of the funds and the association are obligated to maintain confidentiality with regard to information obtained during the course of their official duties, refraining from disclosing such information to third parties.
Supervisory data on compulsory health insurance
The Office of Public Health releases supervisory data, including premiums, benefits, administrative expenses, provisions, and reserves, based on the annual accounts submitted by insurance funds. These essential metrics for mandatory health insurance by fund will be initially published for the year 2017 and subsequently on an annual basis.
Risk compensation
Health insurance funds with a lower representation of women and older individuals in their mandatory health insurance coverage compared to the average of all funds are required to pay levies. These levies are directed to the entity responsible for implementing risk equalization, with the purpose of benefiting funds that have above-average numbers of women and older individuals. The levies aim to fully offset the average cost differences between the relevant risk groups.
The specific details of this arrangement are to be regulated by the Government through ordinance. This may involve incorporating additional objective criteria that provide insights into the insurance risk within the context of risk equalization. The Office of Health is tasked with conducting the risk equalization on an annual basis.
DRG Data Collection Points
Since the implementation of the DRG-type payment model on January 1, 2014, inpatient healthcare facilities (hospitals) and health insurers have been invoiced on a per-case basis. Under this model, each hospital stay is categorized into a specific case group known as DRG (Diagnosis Related Group). The assignment is based on criteria such as the main diagnosis, secondary diagnosis, treatments, and other factors like age, gender, and severity, among others. Reimbursement is then provided at a flat rate, as outlined on the official Swiss DRG website ( https://www.swissdrg.org).
For the processing of DRG invoices, health insurance companies necessitate a designated data collection point (Art. 76b para. 5 KVV). This entity is required to annually demonstrate to the Office of Public Health that it ensures data protection compliance in accordance with data protection legislation and upholds data security measures. The Office of Public Health, in turn, publishes a list of approved data collection points (Art. 76b para. 6 KVV).
This process is further detailed in the Directory of DRG Data Collection Points (Art. 76b KVV), which serves as a comprehensive resource for relevant stakeholders.
Contact persons
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Walter Sinn Walter.Sinn@llv.li +423 236 64 61