Summary
On March 20, 2026, the Federal Council opened a consultation on the revision of the Health Insurance Ordinance (KVV). The aim is to regulate so-called "non-contactable insured persons" – untraceable or persons who have moved abroad – in the portfolios of health insurers. The planned amendment is intended to exclude these insured persons from the portfolios and thereby remedy distortions in risk equalization. The revision also implements two parliamentary motions from June 2024 that call for a uniform procedure for data exchange between cantons and insurers.
Persons
- Federal Council (collectively)
Topics
- Health insurance
- Risk equalization
- Administrative law
- Data exchange
Clarus Lead
The inability to contact insured persons leads to significant inefficiencies in the Swiss health insurance system. Insurers continue to pay risk contributions for untraceable persons but receive no corresponding premium income – a situation that distorts risk equalization. With the planned KVV revision, the Federal Council intends to correct this anomaly through a structured exclusion procedure while simultaneously standardizing cooperation between cantons and insurers.
Detailed Summary
The problem of "non-contactable insured persons" concerns individuals who are either untraceable or have deregistered abroad without formally terminating their insurance. These insured persons remain in insurers' portfolios and create a structural imbalance: insurers must continue to pay risk contributions – payments for the redistribution of risk among insurers – but receive no premium income from these persons.
The planned ordinance revision aims to create a uniform and transparent procedure for excluding these insured persons. This is intended to improve the efficiency of risk equalization as well as reduce administrative burdens. In parallel, a standardized procedure for data exchange between cantons and insurers will be established to identify and process such cases earlier in the future.
The consultation period allows cantons, insurers, associations, and other stakeholders to submit their views. The revision thus implements two parliamentary motions that Parliament adopted in June 2024 and which called for coordinated action.
Key Points
- Structural Problem: Non-contactable insured persons cause distortions in risk equalization through missing premium income while remaining subject to risk contribution obligations.
- Regulatory Solution: The KVV revision creates a uniform exclusion procedure for affected insured persons.
- Coordination: A standardized data exchange procedure between cantons and insurers is intended to increase transparency and efficiency in the future.
Critical Questions
Evidence/Data Quality: How many "non-contactable insured persons" are currently recorded in Swiss insurer portfolios, and what are their quantitative impacts on risk equalization?
Data Protection/Conflicts of Interest: What data protection regulations govern the planned data exchange between cantons and insurers, and how is misuse of insured person data prevented?
Feasibility: What technical and administrative requirements are necessary to implement a uniform data exchange procedure across cantons?
Causality/Alternatives: Were alternative approaches (e.g., automated address validation, digital contact mechanisms) evaluated before the exclusion procedure was chosen?
Side Effects: Is there a risk that legitimate insured persons will be accidentally excluded from portfolios, and what does the reinstatement process look like?
Transition Period: Is there a transition phase during which insured persons can clarify their situation before they are permanently excluded?
Source Directory
Primary Source: Press Release "Federal Council Opens Consultation on the Regulation of the Situation of Non-Contactable Insured Persons" – https://www.news.admin.ch/de/newnsb/UDS4QJZDC8WJseJFDwplz
Verification Status: ✓ March 20, 2026
This text was created with the support of an AI model. Editorial Responsibility: clarus.news | Fact-Check: March 20, 2026