Subside Assurance Maladie Fribourg : The complete guide
Index
0 min
Like all Swiss cantons, Fribourg grants health insurance subsidies, i.e. grants, to all those with insufficient resources. The aim is to enable households in need to retain some purchasing power while benefiting from basic health insurance coverage. How does the Fribourg subsidy work? Who is eligible? How do I apply for a health insurance subsidy from the canton of Fribourg? Answers.
Subside Fribourg: how does it work?
The canton of Fribourg helps finance the health insurance premium of its citizens of modest means. The administration is responsible for collecting and processing applications for assistance. If the application is accepted, the canton of Fribourg pays the subsidy directly to the beneficiary's health insurance fund. The latter must cover the remaining amount if the subsidy does not cover the full health insurance premium.
Please note that the subsidy does not cover supplementary health insurance premiums.
The amount of health insurance subsidies allocated by the canton of Fribourg is subject to revision each year. However, unless there is a major change in the insured's personal situation, the subsidy is automatically renewed from one year to the next. In other words, beneficiaries have no steps to take to renew their subsidy once they have received their notification of award.
Calculation of health insurance subsidy entitlement for the canton of Fribourg
Calculation of health insurance subsidy entitlement for the canton of Fribourg takes several elements into account.
Elements used to estimate subsidy entitlement
To determine who is eligible for a health insurance subsidy, the administration bases itself on the determining income as defined by article 14 of LAMal. Specifically, this is the net annual income shown on the tax assessment notice for the canton of Fribourg. The tax period used is the one two years prior to the date of application for a health insurance subsidy.
Administrative departments also take into account other elements, the composition of which varies according to the situation of the applicant.
For salaried or pensioner taxpayers, the following are added to the determining income:
- Insurance premiums and contributions
- Private interest liabilities for the portion exceeding CHF 30,000
- Private property maintenance expenses for the portion exceeding CHF 15,000
- 5% of taxable assets
For self-employed taxpayers, the following are taken into account:
- Health and accident insurance premiums
- Other premiums and contributions
- Purchase of insurance years for the portion exceeding CHF 15,000
- Private interest liabilities for the portion exceeding CHF 30,000
- Private property maintenance costs for the portion exceeding CHF 15,000
- 5% of taxable assets
For people taxed at source, the determining income is taken into account, which then corresponds to 80% of the gross income subject to tax, to which is added 5% of the taxable wealth of the year two years prior to the time of filing.
The amount of the Fribourg subsidy
Once the applicant's determining income has been calculated, the administration compares it with the legal limit. This allows a percentage to be assigned to the applicant, entitling him or her to a percentage reduction applied to the average health insurance premium. This is how the amount of the subsidy is determined by the canton of Fribourg.
The amount of the subsidy is therefore equal to:
- A minimum of 1% of the average health insurance premium
- And a maximum of 65% thereof
Applying for a subsidy from the canton of Fribourg
The canton of Fribourg requires anyone wishing to obtain a health insurance subsidy to comply with a specific procedure.
How to apply for a subsidy in Fribourg
It is possible to apply for a subsidy:
- Online,on the website of the Caisse cantonale de compensation du canton de Fribourg;
- With a paper file
The application must imperatively be made before August 31 of the current year. Applications arriving after this date will not be considered by the canton administration.
What documents do I need to provide?
Applicants must imperatively attach the following supporting documents to their application for a health insurance subsidy:
- A attestation d'impôt à la source issued by the Service cantonal des contributions (SCC) for those subject to it;
- A certificat d'assurance maladie for all persons in the household;
- A attestation d'études or copy of apprenticeship contract for all dependent children aged between 19 and 25, if applicable.
What are the obligations of an insured person who has already received a subsidy from the canton of Fribourg?
While those in receipt of a subsidy do not have to reapply, they are required to report, without delay:
- Any change of address
- The birth of a child
- Any change in marital status
Each change must be supported by an official document.
Updated on: 01.02.2024Written by Alexis MilonHead of health insurance department at Comparea.To learn more about our team click here.