Hospital financing is a billion-dollar scandal and the greatest fraud yet against the people!
I’ll admit it: at first glance, it’s a very daring title! – but hold on!
Hospital financing works as follows: hospital financing only takes place if the patient remains in the hospital. But not with outpatient doctor visits – i.e. treatments without overnight stays.
Example: a hospital bill – as described in the factual report below – ends with an amount of CHF 11925. The current law assumes that this invoice amount does not cover the real costs of the hospital, but only 45% of them. Now the Canton comes into play: it pays the hospital the missing 55%, or the sum of CHF 14,575 – this from tax receipts (i.e. with money from you and me). The hospital thus receives a total of 11925 + 14575 = CHF 26500.
The associated law reads:
Google-Translate to english:
Clear separation of responsibilities
In basic insurance, 45% of the case-based flat rates are borne by insurance companies and 55% by the public sector. The government council is proposing the so-called model 100/0 for the canton of Zurich.
So far, so bad! We voted on that and said yes . As we will see later, we probably – as so often before – had the wool pulled over our eyes.
I now want to prove that this hospital financing is not needed – and that it must be abolished. To do this, I analyse a real Triemli hospital bill,
also in the amount of 11925 CHF for a gastric perforation, combined with a hospital stay of 13 days. Of course, the very difficult operation, which could have been fatal, went very well. Compliments to the doctors involved. The original invoice went directly to my health insurance company Assura. My copy did not come automatically as prescribed, I had to request it.
1st. Part:
Now I wanted to know exactly what numbers are being talked about. On November 5th, 2019 I phoned the „lion’s den“ – the finance department of the canton of Zurich. There I was put through to the health department. The information was:
The Canton of Zurich has budgeted CHF 1.553 (billion!) for 2019 in favor of such hospital shares. For comparison: the total tax revenue from Zurich taxpayers is almost 7 billion Swiss francs. In other words: in addition to our health insurance premiums, which are already 3-6 times too expensive, we pay another CHF 1,553 billion to our hospitals via taxes. That is unbelievable
22.18% of the total tax income of the canton of Zurich!
If this absolutely unnecessary hospital financing were eliminated, our tax bill would be reduced accordingly.
Now I am trying to explain to you that this hospital financing has the above title:
Hospital financing, the billion dollar scandal and public fraud
also honorably and honestly deserved!
2. Part: Determination of the Triemli cost price for one day
per patient:
The new “Triemli” ward block cost a lot of money, namely 624 million Swiss francs!
The new “Triemli” ward block cost a lot of money, namely
624 million Swiss francs!
01000′624’000’00000total cost
02000′624’000’05000Years Payback Period (Assumption)
03000′000000000400% conservative rate
04000′000000055000Usable beds
consequently:
05000′312’000’00000Average capital (half)
06000′012’480’00000Capital interest cost per year
07000′624’000’00000Costo degli interessi per 50 anni = 50x 12’480’000
08001’248’000’00000Subtotal = investment costs + interest costs0
09000’024’960’00000Allocated to 1 year = 1/50 of it
10000’000’028’38300Allocated to 1 day = 1/365 of it
11000’000’028′12400Converted to (at „full load“) 550 beds per bed and day
Prime cost compilation for gastric perforation surgery
12000’000’028′15500With „only“ 80% occupancy per bed and day
13000000000015000Energy, communication, insurance, administration
13000’000’028’15050The hospital kitchen is cost-neutral and is passed on to patients
14000’000’028’14000Assumption: building maintenance, room cleaning, laundry
15000’000’028′12000Assumption: wage costs for rounds, care 2 hours/day
1600Subtotal-.‘46500Hotel costs at 4% interest per bed/day – without wages
1700I can’t see any breakdown of how much the costs for the pure bed building and how much the conversion costs in the old tower were used for the renovation there. For the sake of simplicity, I considered the entire investment costs of 624 million Swiss francs as having been used up for the ward building. Of course, that makes the hospital look a lot better. On the other hand, I didn’t calculate anything for the furniture in the dormitory (beds, linen, etc.). All in all, very generously described in favor of the hospital! Of course I didn’t expect anything in return for the operating room in which the gastric perforation was operated on.
18000’024’966’0450013 days of hotel business for 465 francs
19 Operation without hotel business – assumption:
20000’000’028′72000Salary costs for 4 doctors of 3 each 3 hours at 60 francs
20000’000’028’15050Operating room – because it is already included in item 17
21000’024’966’76550Total cost price for this surgical case
22000’024’961’35300+20% Decent profit according to KVG (efficient and cheap)
2300’0244’968’11800Invoice amount for patient, resp. his health insurance
2400’024’9826’50000control-total
Evaluation of the result:
The additional margin of CHF 18,382 achieved in this case corresponds to one
truthful and insane popular deception!
Conclusion:
I sent this calculation by registered mail to the cantonal administration – head of the health department – Mrs. Natalie Rickli, government councillor, for inspection and comment. She is brand new in office and is not at fault in this matter – but it gives her the opportunity to „clean up“. We look forward to reading their opinion.
Ms. Rickli’s secretariat’s response does not go to the heart of the matter. Shameful!
.
Big general question:
Where and with whom does all that much money seep away?
Clarification – and above all remedy – is necessary!
Here you have the opportunity, my efforts, the hospital financing in favor of
to abolish cheaper tax bills, to evaluate. Thank you very much!
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