Premium reduction in health insurance
Low-income insured persons are entitled to state premium reduction contributions. The entitlement is based on the taxable income of the insured person or spouse. Applications for premium reductions must be submitted to the Office of Social Services by October 31 of each year. The application form, the information sheet and the template for a power of attorney to obtain a certificate of acquisition are available at the online desk.
Eligibility requirements
All persons insured in Liechtenstein whose relevant income does not exceed the income limits listed below are entitled to a premium reduction:
for single / single-parent persons: CHF 65,000
for married persons / persons in a cohabitation CHF 77,000
For children up to the age of 16 (born in 2007 or younger), no premium reduction can be claimed, as they are exempt from premiums in the compulsory health care insurance.
The entitlement to contributions is based on the relevant earnings of the insured person and the spouse, registered or de facto life partner (cohabitation) or spouse, registered or de facto life partner (cohabitation) from the tax year 2022. Persons living in a registered or de facto life partnership are treated the same as married persons. In the case of judicially separated married couples, the marriage bond continues to exist and they are calculated in the same way as spouses.
The "Central Master Data" recorded in the Central Personal Register as of Dec. 31, 2022, are authoritative for family relationships. For insured persons with maintenance claims against parents, the premium reduction entitlement is based on the parents' income until the age of 20. For persons who reach the age of 20 during 2023, the entitlement to premium reduction in the following year, i.e. in 2024, is based on their own tax assessment.
Amount of the premium reduction
The premium reduction contributions are based on the national average calculated premium in the compulsory health care insurance and the cost sharing of the previous year paid by the insured person. The subsidy rate is based on the relevant income. A distinction is made between two levels:
| measuring acquisition | subsidy rate premium | subsidy rate cost sharing | |
|---|---|---|---|
| single and single parent | 0 - 26,000 | 70% | 70% |
| 26,000 - 65,000 | linear gradation down to 15% | linear gradation down to 15% | |
| Married couples / registered partnerships / de facto cohabitation (concubinage) | 0 - 37,000 | 70% | 70% |
| 37,000 - 77,000 | linear gradation down to 15% | linear gradation down to 15% |
It is subsidized that portion of the premium, which must be paid by the insured person. This means that from the premium agreed with the health insurance company for compulsory health care insurance for employed persons or persons who are entitled to unemployment benefits, the employer contribution 2022 or the health care contribution of unemployment insurance 2022 (adults CHF 150.50 / young people CHF 75.25) is deducted.
Online counter
Laws
Contact persons
-
Premium reduction praemienverbilligung@llv.li
-
Dorothea Nägele Dorothea.Naegele@llv.li +423 236 7275
-
Jasmin Tescari-Beck Jasmin.Tescari@llv.li +423 236 7262