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First health insurance comparison, then well insured: You save the most by comparing

The health insurance comparison protects you twice: on the one hand against contributions that are too high, on the other hand against lack of benefits. Before you decide on health insurance, take a close look and compare not only the supposedly great offers, but also the small print. What does the cash register really pay? What are the restrictions? Is the family discount included? Even if you don't have to commit yourself forever, you should take a close look before signing the insurance contract. With the following tips you can compare the health insurance companies sensibly and know what to look out for.

10 tips: how to compare health insurance companies in Switzerland correctly

Since the basic benefits in Switzerland are covered by basic insurance, points other than these must be included in the comparison. You should consider the following 10 aspects when comparing the health insurance offers:

1. Consider age and life situation
  Health insurance in Switzerland offers different benefit models depending on the age of the insured. Everything important is covered in the basic insurance, any other benefits are insured through additional benefits. These differ in the premium and scope of the service. There are sometimes restrictions on the practice of dangerous sports or similar.
2. Find suitable comparison criteria
  A pregnant woman needs different benefits than a pensioner at the age of 75. Accordingly, when comparing health insurance offers, you should also consider what you really need! Explore the offers for individual services that are relevant to you and include possible financial support for visual aids, maternity or the participation in the costs of fitness programs and health care programs in the comparison.
3. Consider the income
  In Switzerland, privately or legally insured persons can expect different premium levels. Consider your own income and what you are willing or able to do when it comes to preventive health care. Cover gaps in coverage through supplementary insurance, but also consider the increasing monthly financial burden.
4. Take the franchise into account
  If you are young and fit and do not expect to have high medical costs soon, it is worth agreeing on a high franchise. This will reduce the annual contributions to be paid. However, if you are chronically ill or older, the franchise should be rather low. The higher contributions are easier to cope with than an expensive financial contribution towards the costs of illness and treatment.
5. Note family doctor model
  Health insurance premiums can be up to 20 percent lower if you choose the family doctor model. If you have any complaints, always go to your family doctor first and, if necessary, he will write you a referral to the specialist. This is to avoid the unnecessary consultation of a specialist. To find the right family doctor, you will receive a list of general practitioners from your health insurance provider.
6. Include health insurance companies with the HMO model in the short list
  With the HMO model, health insurance companies pay a monthly fee to a health center. General practitioners, specialists and some other medical and therapeutic specialists are based there. Paying a flat fee avoids unnecessary treatments that would only result in costs. The premiums are lower for you when choosing this model.
7. Compare child premiums
  If you have children, of course they must have health insurance. Since there are no group discounts in Switzerland, compare the child bonuses. If several children are reported to an insurer, the discounts increase. However, this varies in strength, so that a closer look at the offers is definitely worthwhile.
8. Pay attention to Tiers garant and Tiers payant
  At Tiers garant you, as the insured, pay the doctor's bill yourself and then submit it to the health insurer. With Tiers payant, however, the doctor settles directly with the health insurance. You will later receive an invoice for any services not taken over. The premiums at Tiers garant are usually lower, but you have to be financially able to finance the medical bills out of your own pocket.
9. Compare premium payment
  If you compare the health insurance companies, pay attention to the modalities for payment of the premium. Many insurance companies grant discounts if you make the contributions annually instead of monthly. Quarterly payment is also possible. Compare the health insurance companies of your choice with regard to these regulations, so that your savings are as high as possible.
10. Use comparison portals
  Be sure to use the help of comparison portals if you want to compare the health insurance companies. Here you enter all relevant criteria and the offers that are really interesting for you are displayed. If you compare it single-handedly, you run the risk of missing important details that would have been particularly relevant to your individual situation. After signing the contract, you usually only get out of it at the earliest possible termination date!

Health insurance companies in Switzerland: an overview

The following table shows the Swiss health insurance companies and a calculation example for an insured person. He was born in 1970 and chose a franchise of CHF 2,500 for his basic insurance.

insurance	address	phone	Number of insured	Canton	Price example per month in CHF
Assura	Avenue Charles Ferdinand Ramuz 70 1009 Pully	021 721 44 11	around 1.1 million	all	264,90
Atupri health insurance	Zieglerstrasse 29, 3000 Bern 65	031 555 09 11	not known	all	294,60
Avenir health insurance AG	Rue de Cedres 5, 1919 Martigny	0848 803 111	around 1.4 million	all	289,10
Concordia	Bundesplatz 15, 6002 Lucerne	041 228 01 11	not known	all	392,70
CSS health insurance AG	Tribschenstrasse 21, 6002 Lucerne	058 277 11 11	around 1.3 million	all	418,20
Easy Sana health insurance AG	Rue de Cedres 5, 1919 Martigny	0848 803 111	around 200,000	all	316,20
Helsana Insurance Ltd	Zürichstrasse 130, 8600 Dübendorf	043 340 11 11	around 1.9 million	all	379,20
Intras health insurance AG	Tribschenstrasse 21, 6002 Lucerne	058 277 11 11	not known	all	385,70
KPT health insurance AG	Wankdorfallee 3, 3014 Bern	058 310 91 11	not known	all	396,80
Birchmeier health insurance	Hauptstrasse 22, 5444 Künten	056 485 60 40	around 4,500	all
ÖKK health insurance	Bahnhofstrasse 13, 7302 Landquart	058 456 10 10	around 395,000	all	360,30
Philos health insurance AG	Rue de Cedres 5, 1919 Martigny	0848 803 111	around 260,000	all	384,10
Progrès health insurance AG	Zürichstrasse 130, 8600 Dübendorf	043 340 11 12	around 1.9 million	all	288,30
Sanitas Grundversicherungen AG	Jägergasse 3, 8021 Zurich	044 298 63 00	around 820,000	all	317,40
Swica health insurance AG	Römerstrasse 38, 8401 Winterthur	052 244 22 33	not known	all	333,50
Agrisano health insurance AG	Laurstrasse 10 5201 Brugg	056 461 71 11	around 150,000	all	325,50
AMB Assurances SA	Route de Verbier 13, 1934 Le Châble	058 758 60 70	around 13,400	all	383,20
Aquilana insurance	Bruggerstrasse 46, 5400 Baden	056 203 44 44	around 42,000	all	310,90
Arcosana insurance	Tribschenstrasse 21, 6005 Lucerne	058 277 11 11	around 1.7 million	all	353,10
Caisse-maladie Vallée d'Entremont	Place Centrale 5, 1937 Orsieres	027 783 25 87	not known	Wallis
Cassa da malsauns LUMNEZIANA	Sumsiaras 117B, 7144 Lumnezia	081 931 35 35	not known	Grisons
Compact Grundversicherungen AG	Jägergasse 3, 8004 Zurich	044 298 63 00	around 70,000	all	368,40
EGK health insurance	Brislachstrasse 2, 4242 Laufen	061 765 51 11	around 85,000	all	371,10
Einsiedler health insurance	Hauptstrasse 61, 8840 Einsiedeln	055 412 23 18	around 4,000	Lucerne, Glarus, Nidwalden, St. Gallen, Obwalden, Schwyz, Uri, Zurich, Zug	433,80
GALENOS AG	Militaerstrasse 36, 8004 Zurich	044 245 88 88	around 14,200	all	355,40
Glarus Health Insurance Cooperative	Sernftalstrasse 33, 8762 Schwanden	055 642 25 25	around 7,700	Glarus, St. Gallen, Schwyz
Steffisburg Health Insurance Cooperative	Unterdorfstrasse 37, 3612 Steffisburg	033 439 40 20	around 8,700	Aargau, Bern, Nidwalden, Obwalden, Zurich, Solothurn
Bern commercial health insurance	Neuengasse 20, 3011 Bern	031 310 11 11	not known
HOTELA health insurance	Rue de la Gare 18, 1820 Montreux	021 962 49 49	not known	all
KKV health insurance company Visperterminen	Service center, 3932 Visperterminen	027 948 00 50	around 4,400	Valais, region 2
KLuG health insurance	Gubelstrasse 22, 6300 Zug	041 724 32 78	around 4,500	all	362,55
Kolping Krankenkasse AG	Spiegelgasse 12, 4002 Basel	044 824 80 70	around 11,700	all	398,30
Health insurance institute Ingenbohl	Postfach 57, 8840 Einsiedeln	041 825 22 37	around 628	Aargau, Appenzell Innerrhoden, Appenzell Ausserrhoden, Bern, Basel-Landschaft, Basel-Stadt, Freiburg, Geneva, Graubünden, Jura, Lucerne, Nidwalden, Obwalden, St. Gallen, Solothurn, Schwyz, Thurgau, Ticino, Uri, Vaud, Valais, Zug, Zurich
Health insurance Lucerne hinterland	Luzernstrasse 19, 6144 Zell	041 989 70 00	around 21,200	Aargau, Bern, Lucerne, Nidwalden, Obwalden, Solothurn, Schwyz, Uri, Zug, Zurich	351,95
Simplon health insurance	Sheet 1 3907 Simplon	027 979 14 39	not known	Simplon district
SLKK health insurance	Hofwiesenstrasse 370, 8050 Zurich	044 368 70 30	around 21,000	Aargau, Appenzell Innerrhoden, Appenzell Ausserrhoden, Bern, Basel-Landschaft, Basel-Stadt, Freiburg, Glarus, Graubünden, Lucerne, Nidwalden, Obwalden, St. Gallen, Schaffhausen, Solothurn, Schwyz, Thurgau, Uri, Zug, Zurich, Wallis Region 2	295,30
Stoffel health insurance	Bahnhofstrasse 63, 8887 Mels	081 723 56 09	around 1,200	Glarus, Graubünden, St. Gallen
KSM health insurance Switzerland	Dielsdorferstrasse 1, 8173 Neerach	043 433 20 40	not known
KVF health insurance AG	Bahnhofstrasse 13, 7302 Landquart	058 456 10 10	around 11,800	all	360,30
Moove Sympany AG	Spiegelgasse 12, 4002 Basel	058 262 30 00	around 8,300	all	384,50
Mutuel health insurance AG	Rue des Cedres 5, 1920 Martigny	0848 803 111	around 373,500	Alles	309,20
PROVITA	Römerstrasse 38, 8400 Winterthur	052 244	around 69,800	all	326,80
Rhenusana	Heinrich-Wild-Strasse 210, 9435 Heerbrugg	071 727 88 00	around 9,000	all	378,70
Sana24 AG	Weltpoststrasse 17-21, 3000 Bern	031 357 91 11	around 63,500	all	323,50
Sanagate AG	Tribschenstrasse 21, 6005 Lucerne	0800 347 358	around 98,000	all	339,10
sanaval's health fund	Valléstrasse 146E, 7132 Vals	081 935 11 44	around 4,000	Grisons
Sodalis health group	Balfrinstrasse 15, 3930 Visp	027 948 14 00	around 36,000	Bern, Valais
Wädenswil Health Insurance Foundation	Schönenbergstrasse 28, 8820 Waedenswil	043 477 71 71	around 11,000	Aargau, Schwyz, Zug, Zurich	308,80
Sumiswalder health insurance	Spitalstrasse 47, 3454 Sumiswald	034 432 30 60	around 26,000	Aargau, Appenzell Innerrhoden, Appenzell Ausserrhoden, Bern, Basel-Landschaft, Basel-Stadt, Freiburg, Glarus, Graubünden, Lucerne, Nidwalden, Obwalden, St. Gallen, Schaffhausen, Solothurn, Schwyz, Thurgau, Uri, Valais, Zug, Zurich	358,90
SUPRA 1846 SA	Rue des Cedres 5, 1920 Martigny	0848 803 111	around 148,600	all	445,30
Visana AG	Weltpoststrasse 17-21, 3000 Bern	031 357 91 11	around 471,700	all	343,70
Vita surselva	Bahnhofstrasse 33, 7130 Ilanz	081 925 61 60	around 3,200	all	376,50
Vivacare AG	Weltpoststrasse 17-21, 3000 Bern	031 357 91 11	around 45,200	all	443,30
Vivao Sympany AG	Spiegelgasse 12, 4002 Basel	058 262 42 00	around 149,600	all	297,30

Health insurance premium increases and their development in Switzerland in recent years

It seemed to be good news for 2020 when the Federal Office of Health announced that the increase in premiums for health insurance companies would be only 0.2 percent on average. In ten cantons, premiums were even expected to fall. The cantons of Bern, Zurich and Basel-Stadt were particularly pleased because they are generally considered to be some of the most expensive cantons in terms of health insurance premiums.

One-way tendency

Even if this increase was less strong than feared, it nevertheless underlines the upward trend in premiums in recent years. The contributions were increased annually, even if some graphics show a zigzag curve. The only exception was the year 2008, when the health insurance premiums were not increased. All insured persons are affected by these increases, because it is always the basic insurance. Since compulsory health insurance was introduced in Switzerland, premiums have always increased by around 3.8 percent. The development looked like this:

- In 1996 the average premium was around CHF 128 per month
- meanwhile, the average premiums are already more than CHF 315 per month
- The largest increase is seen among young adults, although premiums for this group fell slightly in 2019
- young adults pay around CHF 274 per month (premiums more than doubled since 2000)
- double contributions for other groups of insureds since the turn of the millennium
- Contributions for children increased on average from CHF 52 to CHF 100
- Contributions for adults increased from CHF 188 to CHF 374 on average

Even though wages in Switzerland have also risen since the turn of the millennium, they cannot keep up with the growth in health insurance premiums with an average growth of 31 percent. These rose by around 143 percent! If you do not regularly compare the premiums here and switch to cheaper insurers, you have to live with an ever greater difference between income and premium for the health insurance company.

Burden on households

Since everyone in Switzerland has to take out insurance themselves, households with children are particularly burdened in view of the rising health insurance contributions. Surveys have shown that in economically weak households around 14 percent of income only has to be spent on health insurance. It is therefore not surprising that calls for an upper limit are becoming louder and that the premiums should therefore only be a maximum of 10 percent of household income. In the meantime, there are even collections of signatures that are concerned with the fact that health costs may no longer grow faster. They have to adapt to the overall economy and wages and must not be pushed up uncovered.

Here at neotralo.ch you have the opportunity to compare your health insurance premium free of charge and to find the best offer for you. Act quickly because this is the only way to really save money. And it's worth it because the gap between the cheapest and the most expensive provider of health insurance keeps widening.

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First health insurance comparison, then well insured: You save the most by comparing

10 tips: how to compare health insurance companies in Switzerland correctly

Consider age and life situation

Find suitable comparison criteria

Consider the income

Take the franchise into account

Note family doctor model

Include health insurance companies with the HMO model in the short list

Compare child premiums

Pay attention to Tiers garant and Tiers payant

Compare premium payment

Use comparison portals

Health insurance companies in Switzerland: an overview

Health insurance premium increases and their development in Switzerland in recent years

One-way tendency

Burden on households

comparison services

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