The new „Federal Health Insurance (FHI)
for only 150 francs per month

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27.12.2025 Greetings, dear reader – and thank you very much for your visit! I am Werner Bachmann, the initiator of this wonderful story that is becoming reality. First a note: At the bottom right you will see a PLAY button. When you click on a link, my lecture pauses and waits until you return. I know that you may still hardly be able to believe this message – and I fully understand that. You will learn many crucial things – please just have a little patience.

Here it is: the new, fully digitalized Unified Health Insurance Fund for only 150 francs per month. Your children are insured free of charge.
Digitalization makes it possible!

The EKK is no mirage. EKK is the abbreviation for the „Unified Health Insurance Fund“. I hope I can convince you as well of our great advantages and the new levels of safety during operations. We are confident that our plan for the Unified Health Insurance Fund will clearly win at the ballot box.

Many people will be able to afford 150 francs even without premium reductions. This will significantly relieve the finances of our state and municipalities. In any case, we are pleased that all existing KVG health insurers will disappear and that we will no longer be bothered by their representatives. Currently, the KVG insurers hold around 7 billion francs in legally required reserves that will effectively no longer be needed. This capital will flow into the Unified Health Insurance Fund. Part of these funds will be used for the development of MEDIFACT, for intelligent personal trackers, and for building a truly functioning electronic patient dossier. The “E-GD” (Electronic Health Dossier) announced by the Federal Council is basically intended for everyone but can be individually rejected. However, this opt-out solution is not effective. For effective management, quality assurance and further development of medical care, MEDIFACT requires a complete and uniform data basis of all patients. Only in this way can MEDIFACT successfully determine, using its method of combining data, when and where and by whom the same symptoms have already been recognized and successfully treated. The doctor receives the healing method for the patient presented on a silver platter.

In the future, the following will apply:

One country – one fund – one premium!

A reader asked me the most important key question:

„How did you arrive at 150 francs?“

My answer is simple, but I need to explain a little:

I received a hospital bill which – calculated per hour – corresponded to an hourly fee of
1,305 francs.
According to the applicable tariff this bill was more than six times too high.
This caused serious trouble and even resulted in me being banned from the hospital.

This criminal bill and the miserable
behavior of the hospital chief and his obedient followers became the cornerstone for drafting a strong and worthwhile federal law. Thanks to the Unified Health Insurance Fund, such abuses will no longer even be possible.

For comparison:
A cleaning company today charges about 35 francs per hour — 37 times less.
With the same 1,305 francs you could employ a cleaning worker for almost five working days — a whole week!
What an enormous imbalance and what madness!

My personal advice – check it yourself:
On your next visit to the doctor, note the time when you enter the consultation room and when you leave.
When the invoice copy arrives later, calculate what hourly rate you were charged.
At that moment you will feel how unfair the current system is.

Important and logical:

On the left you see
MEDIFACT.
It represents the new era in healthcare – and a fundamental system change.

MEDIFACT is the new main computer of the Unified Health Insurance Fund.
It has all relevant information about treatments and operations.
Only after verification does it store them in the
patient dossier (EPD)
and release them for reimbursement.

Because the staff will no longer need to deal with administrative work
— except for unavoidable screen entries —
much more time will be available for operations and care.

Officially the medical tariff TARMED applies.
Its position 00.0010 allows
200 francs per doctor’s hour.
Anything above that cannot be objectively justified unless it is a top-level medical performance.

This is my answer to the question above: that is exactly why 150 francs is correct!

The difference between 80 and 150 francs — 70 francs — will be used by EKK as follows:

➤
You keep more of your earned income because the wage deduction for “non-occupational accident insurance” disappears.