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Magazine - Health Insurance

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!

How do I choose a health insurance company?

At first glance, they are all the same, but a closer look reveals that health insurance companies in Switzerland are very different. They all offer basic insurance, which includes all important benefits. As an insured person, you can also take out additional insurance, whereby you can also choose different providers for both types of insurance. But after which do you decide which health insurance company is the best?

Don't just pay attention to the price

The common selection criterion for a new health insurance company is the price. Consumers usually compare the annual premium and think they have found the best deal when they find the cheapest one. But far from it! Other things should also be considered when comparing health insurance companies:

    • Discounts for children / family
    • Scope of services for visual aids
    • GP model
    • Services for special life situations
    • Protection for hobbies or dangerous sports
    • franchise height
    • payment Frequency

Tip: Take a close look at the discounts that each health insurer offers and find the discounts that are right for you. What does it help you if a cash register offers a comprehensive discount for children if you are childless after all? It is also important which form of payment is offered. Decide on the health insurance that you can afford! There is no use if the premiums are low, but you have to pay every doctor's bill in advance. If your monthly budget allows higher premiums, but high one-off payments are not possible, you should opt for Tiers payant.

So you choose the right health insurance company

Even a comprehensive comparison can show that the chosen health insurance company was not the right one. Tip: rely on the help of comparison portals! Here at neotralo you will find help as well as other providers that offer a comprehensive health insurance comparison. Enter the criteria relevant to you there and display the results from which you choose the best. Then take another close look and check the insurance conditions.

As a rule, you do not necessarily need health insurance that also offers accident insurance protection. If you work more than eight hours a day as an employee, you are already covered by the accident insurance through the employer. It looks different, for example, during a sabbatical. For a vacation that lasts longer than 30 days, you need your own accident insurance. You can take this out from a corresponding provider or from your health insurance company. The exact comparison is also worthwhile here, because the premiums for accident insurance are structured very differently.

In the end, a look at the Internet is also worthwhile. There you will find various reviews of individual health insurance companies. Benefit from the opinions of other insured persons and check your favorite health insurance in relation to the experiences of other people. If you still have a good impression and are convinced that this health insurance is a good choice, use the results of your own research and insurance comparison to make a change.

Tip: Take a look at the services offered by the health insurer. When and how can someone be reached? Is it possible to get advice by chat or phone at any time of the day or night? Are the usual business hours severely restricted? Even if you do not normally need separate advice, it is still good to know when someone is available for advice. If it turns out that the chosen health insurance company can hardly be reached, it will not be a good choice.

Best health insurance 2019/2018/2017

The following tables were created after customer surveys in the middle of each year. More than 2,500 people were asked about their satisfaction with their current health insurance. A list was created of health insurers with whom people were most satisfied with the clarity of the statements, the transparency of the services, the customer service and the willingness of the employees.

Best health insurance 2019

Health insuranceBuyers Note
EGK health insurance5,4
CSS Arcosana5,2

Best health insurance 2018

Health insuranceBuyers Note
Sana 245,3

Best health insurance 2017

Health insuranceBuyers Note

The cheapest health insurance companies by canton

The amount of the contributions depends on the place of residence, the age and the number of people to be insured. In order to find the cheapest health insurance in your own canton, an individual health insurance comparison must be made. Tip: The standard insurance can be significantly lower by choosing the general practitioner model, by telmed (advice on the phone) or by HMO. It is also important to know that a health insurance company can be the cheapest in one canton and is significantly more expensive in another canton.

The average premiums for young adults between 19 and 25 years according to the individual cantons are:

Schaffhausen246,40between 19 and 25 years
Glarus244,10between 19 and 25 years
Aargau243,70between 19 and 25 years
Grisons239,90between 19 and 25 years
Thurgau223,70between 19 and 25 years
Schwyz220,30between 19 and 25 years
Lucerne220,10between 19 and 25 years
Appenzell Ausserrhoden219,90between 19 and 25 years
train214,30between 19 and 25 years
Obwalden210,20between 19 and 25 years
Nidwalden201,80between 19 and 25 years
Uri196,50between 19 and 25 years
Appenzell Inner Rhodes171,80between 19 and 25 years

The premiums for adults aged 26 and over are slightly higher. Important: The health insurance companies must comply with the regional division specified by the Federal Office of Public Health (BAG). This means that there is a fixed premium region. There are three premium regions in the cantons of Berne, Graubünden, Lucerne, St. Gallen and Zurich, which means that the list above for Graubünden, for example, represents an average premium amount for basic insurance for young adults in all three premium regions. There are two premium regions in the cantons of Vaud, Valais, Schaffhausen, Basel-Landschaft, Ticino and Freiburg.

In view of the fact that the premiums vary so much depending on the insured and the canton, it is not possible at this point to present the cheapest fund for each canton. The premiums also differ widely within a canton: an insured person, born in 1980, living in Zurich, chooses a health insurance company without additional accident protection and a franchise of CHF 300 as well as the free choice of doctor. For example, he pays CHF 444.10 a month for Assura and CHF 564.40 for Supra. If this person uses the family doctor model, they only pay CHF 384.20 for the Assura and CHF 496.70 for the Supra. In order to find the cheapest health insurance in Switzerland, the personal situation must also be taken into account, in which again the finances play a role. Those who can manage a higher franchise benefit from cheaper insurance premiums.

The most expensive health insurance companies by canton

Since the health insurance companies vary so much depending on the canton, it is hardly possible to carry out an insurance comparison without individual data on the future insured. Here everyone has to assess for themselves which financial options are available and which services should be included. The fact is that insurance with a low deductible and free choice of doctor is the most expensive. In addition, health insurance is particularly expensive in these cantons:

Solothurn255,10between 19 and 25 years
Freiburg255,70between 19 and 25 years
Bern258,10between 19 and 25 years
Zurich261,80between 19 and 25 years
Wallis267,90between 19 and 25 years
law268,00between 19 and 25 years
Ticino287,90between 19 and 25 years
Basel-Country292,60between 19 and 25 years
Neuenburg400,50between 19 and 25 years
Vaud307,50between 19 and 25 years
Basel-Stadt350,50between 19 and 25 years
Geneva372,60between 19 and 25 years

A young adult between the ages of 19 and 25 was also accepted as the policyholder for this listing.

The average premiums mentioned relate to current contributions for 2020. They have increased for some health insurers and decreased for others. The contributions for 2020 were increased on average by 0.2 percent.

Reviews of health insurance companies from comparison portals

Comparison portals regularly deal with the assessment of various health insurance companies. Annual premiums are included in the assessment as well as customer satisfaction, the latter generally being linked to the premiums. A health insurance company that presents itself as very expensive will not be able to count on high customer satisfaction. At neotralo, we evaluated the ratings of other comparison portals and found that, as in previous years,? The usual suspects? bustle among the health insurance companies.

Comparison at Comparis

The comparison portal Comparis only looked for the best health insurance companies in August 2019 and found them in cooperation with the market research institute Intervista. For this purpose, more than 3500 people were asked about their health insurance and they should show how satisfied they were with the personal engagement of the customer advisors, with their technical advice and with the transparency of the administrative processes. A total of 22 health insurance companies were included, three of which came first (Agrisano, EGK, Swica). The mark was given 5.4, which represents an improvement of 0.1 compared to the previous year. Other health insurance companies scored 5.3 to 5.0. Only four insurance companies were not convincing and only got one "satisfactory". Those surveyed were least satisfied with the Assura, Supra, Philos and Mutuel Assurance. In contrast, Avenir and Sanagate, once classified as poorer, were able to improve.

Moneyland comparison

Moneyland also launched a survey on customer satisfaction among health insurance companies in August 2019. The results of the studies do not quite match the results of the Comparis survey because it showed that customers are less satisfied. The rising premiums from the health insurance companies meant that the insured no longer agreed with the price-performance ratio.
Customers rated, among other things, the issues of goodwill in payments, customer service, correct billing, availability of a consultant and pace of payments. The best health insurers here are Agrisano, followed by KPT, Swica and ÖKK.

Comparison at K-Tipp

K-Tipp, the well-known consumer magazine in Switzerland, tested health insurance companies and above all took a closer look at customer satisfaction. However, only the nine largest providers were evaluated; smaller health insurance companies were not taken into account. In this respect, the image that emerges in terms of satisfaction can only be projected onto a few cash registers. Swica was again successful at K-Tipp, with around three quarters of those surveyed satisfied with it. Few, on the other hand, are satisfied with the Assura and so here too a comparable picture emerges that is similar to the other rating portals. What is particularly negative at Assura is the fact that invoices are hardly paid or paid too late, that there are constant inquiries and that administrative problems stand in the way of a simple process. In addition to Swica, customers are also particularly satisfied with Sanitas, Concordia, KPT and CSS.

Comparison at

The comparison portal also surveyed and rated the customer satisfaction of the insured, dealing with the criteria of processing the service, processing contracts and customer service. Agrisano presents itself as a recommended health insurance in terms of customer satisfaction, Sanitas, Swica and Visana are also perceived as very good. Insurance companies Arcosana, Atupri, KPT and Helsana slide into second place. The Assura can also be found at the end of the test, with Mutuel Assurance and Intra joining as negative examples.

Conclusion: All evaluation portals offer similar results

Whether the mentioned rating portals, to which still has to be counted, or we at neotralo: they all come to a similar result. When it comes to processing contracts, providing services and providing general customer service, Swica is always ahead of the game. In addition there are Sanitas, KPT and Agrisano as well-known health insurers, which are characterized by cheap premiums and a good price-performance ratio. The grades differ only very slightly, so that a ranking is actually difficult. At the same time, we have to admit that not all large insurance companies have to be good. Furthermore, it turns out that Assura insurance is classified as rather poor everywhere, so it is not considered recommendable. Incidentally, this has been the case for several years and is not a further deterioration in the image or the price-performance ratio.

The five best addresses for a health insurance comparison

In the following we introduce ourselves and four other addresses through which a health insurance comparison can be made:


      Not only does provide a great deal of information about health insurance, it also makes it possible to compare different providers on the site. For this, the personal data must be entered, which includes age and place of residence, desired amount of the franchise as well as any family insurance. Neotralo compares directly online and offers the result in a clear form and free of advertising. This makes it possible to find the best individual result, and the amount of the franchise can also be adjusted.


      The website was launched by the Federal Office of Public Health and offers its own premium comparison calculator. In addition, different premium zones can be seen, so that you can get a direct picture of which premium zone your canton is in when comparing health insurance. However, the insured cannot get any offers from the health insurance companies if they find out from the comparison that another health insurance provider is cheaper. The federal government must not become an interface to companies' offers and cannot interfere in the competition. This comparison calculator is therefore an absolutely neutral and valuation-free calculator that only lists numbers and leaves it up to the insured to decide how to proceed and to request an individual offer.

    3. presents itself in the world of rating portals and comparison calculators for health insurance companies as solid and tried and tested over many years. Here you have the option of viewing health insurance assessments and making a health insurance comparison yourself. As with, it is necessary to enter the basic data about yourself, then the cheapest offers for your own place of residence are displayed directly. Switching to another health insurance company is also easy and can be done directly with a click. The site also offers a wide range of information on health insurance.


      The website is based on the? Swupp, I'm done !? and wants to show that it is possible to compare health insurance companies directly and without further ado. All health insurance providers that are available in Switzerland are always displayed, and the switch to any desired health insurance provider is completed within five minutes. Additional offers do not have to be requested. promises 100 percent honesty. Swupp aspires to become the best comparison service provider in Switzerland, but it requires money to be raised through sponsorship and donations. The approximately CHF 40,000 required to maintain the website each year should have no effect on the presentation of the comparison results.


      Like, offers comprehensive information on insurance and finance, including health insurance. The site uses an alternative health insurance calculator that not only lists current offers, but also provides information about possible savings after entering the previous health insurance. Comparing health insurance is the core business of, not only the prices for insurance but also the entire price-performance range are checked.

What makes a health insurance company unique?

Health insurance companies all offer the same benefits in basic insurance, and there is no distinction between them. This equality was caused by the legislature, which stipulated that the basic insurance benefits must always be the same. He also specified that family insurance premiums for children must be reduced. But a health insurance company also stands out from other health insurers in other ways.

The best and cheapest health insurance?

The advertising promises often sound full-bodied and are not really understandable. Because even if you advertise with a particularly cheap insurance, a closer look usually shows that there are so-called? Starting prices? are. This means that an offer in supplementary insurance is possible from a certain sum. However, if you enter the requested data, you will quickly find that the actual prices are significantly higher. This, in turn, can be explained, because the health insurance companies first want to lure potential customers with an offer. If all personal aspects are taken into account, it can be seen that the amount offered was only an absolute basic security, which is significantly below the desired level of insurance. However, many insurance policyholders still accept the offer, even if it is more expensive than initially promised.

Tip: In order to find the really best and cheapest insurance, a comprehensive insurance comparison is necessary. All personal circumstances are included here, so that the offer is individually tailored to the requestor. The health insurance company, which is still the cheapest, is actually the best choice for the person concerned.

What makes health insurance unique?

As a provider, Swica has repeatedly proven that it is unique in terms of customer satisfaction. It always comes first in various comparison portals and can thus rank as the? Best health insurance company? describe. What is unique here is that real advice is provided by experts and not only promises a lot, but hardly anything is kept. Advice is also possible free of charge and is not kept particularly short and sweet given the risk that the inquirer might not take out insurance after all.

Health insurance companies that focus on the well-being of the insured person stand out comfortably from the rest of the insurance companies. An example of this is the cost of young adults. While premiums for children are legally lower than those for adults, health insurance for young adults is free. You can offer lower rewards, but you can also ask for the usual contribution rate. In view of the fact that young people get sick much less often than older people and therefore mean lower costs for the health insurers, it is a plus for the insurance if they offer a cheaper tariff for young adults.

Special services on offer

Good health insurance does not refuse to cover the cost of injuries and accidents caused by hobbies. There are certainly insurers who refuse to provide benefits and refer them to the accident insurer. If this is not available, the injured person remains at the expense of the worst case and has to bear the costs himself. Good health insurance, however, will not exclude dangerous sports and hobbies from the service catalog and bears the costs.

In general, good health insurance companies do not give constant questions about the provision of services, the entire bureaucracy is kept within manageable limits. This is a shortcoming, which many insured people criticize when asked about their customer satisfaction. They then state that they would not particularly appreciate the frequent queries and administrative tasks of their health insurance. This point has already led to devaluations of health insurance in many ratings.

That makes health insurance unique

Good health insurance is characterized by the fact that it is uncomplicated, offers good advice and insures the desired additional services. This is by no means a matter of course and there are still providers who are negative in an insurance comparison and only make it clear that they are not particularly customer-friendly. The health insurance companies ranked first in the ratings have consistently held their own in these places for years and can obviously convince with their philosophy of customer friendliness and service.

Advantages and disadvantages of health insurance companies

The social system is undeniably advantageous, since all insured persons pay the medical costs for one another. At least that's the basic idea, in individual cases this is not always the case. Swiss health insurance companies differ from other insurance companies, such as German health insurance companies. Here in Switzerland it is customary to choose between Tiers payant and Tiers garant, and this also applies to statutory insurance. The health insurance companies also offer these advantages:

    • basic health insurance

      Everything is included in the basic insurance. The medical services to be provided by the doctor or the hospital are prescribed by law. If you want further benefits, you must have them covered by additional insurance.

    • Less expensive for children

      Children and adolescents up to the age of 18 are insured cheaper in basic health insurance. It is a legal requirement that insurance companies have to offer cheaper premiums for insured persons of this age. Health insurance companies often offer cheaper premiums for young adults up to 25 years of age, but this is no longer required by law.

    • Savings possible

      Different models of health insurance allow different savings. These are usually between 20 and 30 percent, which depends on the selected model. Standard insurance is the most expensive, and it is cheaper with the family doctor model. The general practitioner is always consulted first, who may arrange for further examinations. Then there is the HMO model, in which the insured visit a health center in which the most important doctors can be found. Telemed is also a model. Advice by telephone is possible, which is sufficient for many complaints. A doctor then often no longer needs to be consulted, which saves the health insurance companies a lot of money. They pass these savings on to the insured. Recently there are even pharmacy models in which the prescription drugs are picked up in certain pharmacies.

    • Individual protection possible

      With additional insurance, health insurance coverage can be individually adapted to your own person. The supplementary insurance does not have to be taken out from the same provider as the basic insurance. It is important to have a precise comparison of the insurance offers, because benefits and premiums often differ greatly. Health insurance companies in Switzerland not only offer advantages, but also some disadvantages:

    • franchise

      Insured persons choose a franchise that determines the amount of the deductible for medical expenses per insurance year. After that, the premiums become cheaper. This means that the highest premiums are for contracts where no or only a low franchise has been agreed. The lowest premiums are for the highest franchise, which can be set at CHF 2,500. Who knows that he has to expect high treatment costs should set the franchise rather low, but then have to pay higher premiums monthly.

    • Insurance of every family member

      While there is family insurance in Germany where children can be insured free of charge with one parent, this is not possible in Switzerland. Here everyone has to be insured themselves and accordingly pays their own contribution. However, children are insured cheaper, this is required by law if the child is over 18 years old. There are also family discounts that apply, for example, from the second or third child and significantly lower the premiums.

    • Additional services poorly comparable

      Without professional help from a comparison portal, it is almost impossible to compare the supplementary insurance in detail. They are often very different. Not only are the premiums different, the benefits are different and must be compared in detail.

    • Health insurance companies vary in price depending on the canton

      There is no general rate for the contribution that applies to a health insurance company. Rather, the contributions differ depending on the health insurance company and the canton. While an insurer can be cheap in one canton, it is far more expensive in another canton. This also depends on the premium region, which is stipulated by law and of which there are sometimes three per canton.

    • Different cost assumptions

      The health insurance companies do not bear all costs equally. There are so-called off-label drugs that do not yet have a general approval, but are already used in the fight against various diseases (especially cancer). Some health insurance companies pay for these off-label medications, others do not.

Family discount: who offers how much?

A child can register for health insurance before the birth. Then the expected date of birth is given. After the birth, only the date of birth is added, and the health insurance company must be informed of the name of the new insured person. Supplementary insurance can also be taken out very easily before the birth because no health check is necessary or possible. These aspects are important for you:

    • The insurance starts on the child's birthday and is therefore protected from the first day of his life.
    • The provider of health insurance is freely selectable, the child does not have to be insured with that of the parents.
    • The benefits are the same for every health insurance.
    • The health insurance can be changed at the end of the calendar year.

The benefits are the same for insurance for children, so it is particularly worthwhile to look at the premiums. The Health Insurance Act specifies the services to be provided by the health insurance companies, but the premiums are determined by the insurance companies themselves based on the contributions of the competition. The child can be included in a separate accident insurance, but it is also possible to include accident insurance in the health insurance. However, this increases the contributions.

According to the Health Insurance Act, family insurance is based on three age categories:

    • Children up to 18 years
    • Young adults from 19 to 25 years
    • Adults over 26 years

All health insurance companies have to offer a lower tariff for children, and there is a reduced premium for young adults. The latter is handled in this way by most health insurers, but there is no obligation to do so. If young adults are to be included in family insurance, it is possible that they will not get a discount. However, most health insurers see the competition here, which does offer discounts, and keep up.

Different family discounts possible

The health insurance companies in Switzerland offer different family discounts. The Sanitas group, which includes Sanitas and Compact as insurance, and the special Assura model offer a discount from the second child. Other health insurance companies in comparison only offer the family discount from the third child. Specifically, these are:

    • Agrisano
    • Aquilana
    • Concordia
    • EGK
    • Helsana
    • KK Birchmeier
    • KK Lucerne hinterland
    • KK Visper appointments
    • Provita
    • Progrès
    • Rhenusana
    • Sana24
    • SLKK
    • Sodalis
    • Stoffel
    • Sumiswalder KK
    • Swica
    • Visana
    • Viva Care

An example:

The premium for the first child is CHF 83.30 per month, this contribution must also be paid for the second child. The discount from the third child brings the premium down to CHF 41.70. The fourth child is also estimated with this contribution. With four children, the contributions would therefore be CHF 250 per month. It becomes cheaper with the discount from the second child. The premium for the first child is CHF 65.10 and CHF 62 for the second child. From the third child, CHF 59.50 per month. All in all, that amounts to CHF 238 a month.

Exact information is only possible through an insurance comparison

In the case of a family discount, the exact premiums depend on the canton in which the policyholder is based with his family. A health insurance company that is very cheap in one canton can be a bad choice in another part of the country. Here it may be overtaken by the competition, which is significantly cheaper in this canton. 

As part of a health insurance comparison, it is possible to find the cheapest health insurance for the respective canton. Furthermore, the amount of the family discount depends on which model is chosen. Because even with family insurance, you can choose between the standard model and the family doctor model. Other models are the HMO tariff, in which a community facility with several doctors is visited, whereby this facility receives a monthly flat rate from health insurance. 

This prevents unnecessary further treatments. The amount of the franchise is also reflected in the premiums. Conversely, if you set the franchise very low, the premiums are quite high. With a high deductible of CHF 2,000 or CHF 2,500 a year, the premiums are low. If all family members are healthy and no high treatment costs are to be expected, the franchise can be set rather high. In the best case, it is not necessary at all because no treatment is necessary.

Before you choose a health insurance provider, you should always carry out an insurance comparison. This will help you find the cheapest offer, which in turn can save you many hundreds of Swiss francs a year.

Participation in fitness costs: who offers how much?

The participation of health insurance in fitness costs is not possible through basic insurance, but only through supplementary insurance. Not all costs are covered, but only a part of them, and not all health insurance companies that offer such a service are covered. The following overview shows which health insurance companies contribute to fitness costs:

    • Atupri

      The Mivita supplementary insurance covers premiums for seasonal, half-yearly or annual subscriptions in the fitness center. There are no conditions attached to this, but a receipt for participation has to be submitted to the insurer. A maximum of CHF 300 is subsidized per year. You can apply for insurance up to the age of 60.

    • Concordia

      Insureds up to the age of 65 can be admitted to Concordia. The important supplementary insurances are Natura and Natura Plus, both of which grant a subsidy of up to 50 percent of the fitness costs or a maximum of CHF 200 per area and calendar year. Up to CHF 500 will be reimbursed for health promotion.

    • CSS

      The annual or semi-annual subscription in the fitness center is subsidized, there are no age limits. Up to 50 percent of the costs or CHF 350 per year are subsidized. A maximum of CHF 600 per year is possible through various combinations of measures.

    • EGK

      The age limit for inclusion in the EGK Sun or EGK Sun Basic M supplementary insurance is 60 years. The Basic tariff reimburses up to CHF 150 per year, the Sun tariff up to CHF 360 per calendar year. This includes all fitness centers in Switzerland where an annual subscription can be taken out.

    • Glarner Health insurance

      The regulations at Glarus are quite comprehensive. At least a half-year subscription is required, which can be taken out in all fitness centers in Switzerland. The General tariff includes up to 50 percent or max. CHF 150 refunded per year, up to CHF 300 in the premium tariff. The Family and Family Flex tariff covers up to CHF 200 per year, and up to CHF 500 in an entire prevention area. The age limits for inclusion in the tariffs are 65 years (general) and 60 years for the other two tariffs.

    • Groupe Mutuel

      There are different tariffs, but the grants are regulated in the same way in all tariffs. Up to CHF 200 are paid annually for the fitness center. The age limits are between 55 and 65 years depending on the tariff.

    • Helsana

      Helsana sets the requirements for fitness prevention quite generously. It is possible to have a monthly subscription subsidized, but you can also apply for a 10-card or an annual subscription for the subsidy. The fitness exercises must be carried out in centers with a certified fitness guide. A subsidy of CHF 200 per area and year is available, up to CHF 500 for prevention.

    • ÖKK

      At least a six-month subscription must be available; the maximum age of 60 years applies for inclusion in the insurance. A maximum of CHF 300 or 50 percent of the costs per year will be subsidized.

    • Rhenusana

      The half-yearly or annual subscription is subsidized, possible amounts in the gold tariff are CHF 200 or 75 percent of the costs, in the platinum tariff it is up to CHF 400. In addition, the one plus option can be applied for, then there is again up to CHF 100 per year. Applicants up to the age of 60 will be admitted.

    • Sanitas

      Different tariffs are available for participation in the fitness costs, at least a six-month subscription must be taken out. The contract must be signed in a certified fitness center. A maximum of CHF 200 is subsidized per year, and health promotion is supported with up to CHF 500.

Other health insurances that offer a grant are the SLKK (up to CHF 300 per year), Sumiswalder (grants between CHF 50 and 300 depending on the tariff), Swica (between CHF 300 and 800 per year), Sympany (CHF 200 to CHF 300) Year) and the Visana (up to CHF 200 per year).

Health insurance models in comparison

There are various health insurance models in Switzerland, which we present below:

Traditional modelThe traditional model is characterized by the possibility of free choice of doctor.
You can decide for yourself which doctor to go to within your own canton.
You can also see a specialist, for example if you have a cardiologist or a doctor
Dermatologists need. The traditional model is the counterpart to the alternative models,
but does not offer a free choice of doctor.
- free choice of medical doctors
- little administrative effort
- Additional termination date if the franchise is set at CHF 300
- no obligation to report after an emergency
- The premiums cannot be reduced.
GP modelBy participating in the family doctor model, premiums are lower, savings of 20 percent
or more are possible. Insured persons always have to see their general practitioner first and are treated by them
referred to a specialist. The family doctor coordinates the entire treatment and thus contributes
Avoiding unnecessary costs due to a possible double treatment.
- All information about the patient is available from the family doctor
- Professional exchange between family doctor and specialist possible
- Competition among specialists is promoted
- cheaper premiums
- Restriction of the patient with regard to the free choice of specialist
- Not all health insurance companies offer the family doctor model
- Not all doctors are on the lists of health insurance companies
- Health insurance companies avoid costs for any necessary second opinions
Telmed modelThe Telmed model is still comparatively new and is not yet used everywhere. The treatment
is always initiated by a telephone conversation, during which a short
Advice is possible. Then it is decided what the planned treatment can look like and
which examinations are necessary. Before using medical services, the
Therefore, call the insured person at a contact point.
- high premium savings
- Good accessibility of the contact points
- Frequent savings on visiting a doctor because a solution could already be found by phone
- Misjudgments via remote diagnosis are possible
- Free choice of doctor is often restricted
- not recommended for major medical problems
HMO modelHMO stands for Health Maintenance Organization. Insured persons always contact their family doctor
in contact with a local health center. There are also other doctors here
and specialists to find, so that the treatment can often take place in one house.
- cheaper premiums (up to 25 percent)
- Good flow of information through permanently assigned doctors
- Diverse medical offer in HMO centers
- no free choice of doctor
- few HMO offers in rural areas

Franchise levels in the Swiss health insurance system

In the Swiss health care system, the insured are included in the cost of their own treatment. This applies to normal treatments as well as preventive examinations and stays in hospital. The services that are used until the franchise is reached must be paid for yourself. After that, the participation is only planned up to a maximum of 700 Swiss Francs or 10 percent of the costs.

Gradations within the franchise system

Adults can choose their own franchise and choose between the minimum amount of CHF 300 and the maximum amount of CHF 2,500. The franchises for children are significantly lower. You can get by without any deductible and be insured, but you can also be insured for the maximum franchise amount of CHF 600. For most families, the question of the amount of the child franchise does not arise; the franchise is set at CHF 0 anyway. The premiums for children are only slightly higher, so that this decision is economically worthwhile in the event of illness at the latest.

How high should the franchise be?

There is a basic rule when determining the amount of the franchise: the higher the franchise, the lower the monthly premiums to be paid and vice versa. The highest selectable franchise is CHF 2,500 a year, the lowest amount CHF 300. Amounts of CHF 600 or CHF 1,500 are also possible and have an impact on the contribution amount. 

Each insured person decides for himself how high his own contribution should be, with savings of up to 44 percent between the minimum and maximum amount. The high deductible is always worthwhile if an insured person is rarely ill or does not expect high medical costs. He has to take on a large amount of personal responsibility and also decide financially when it is time to go to a doctor and when the waiting technique is the better choice.

The low franchise, on the other hand, is ideal for the insured who expect high treatment costs. You will then pay higher contributions each month, but benefit from the lower deductible. In order to decide which franchise is the right one, the current or expected health status should be taken into account.

Adapt the franchise to your own situation

Of course, it is possible to change the franchise. This is always possible for the following insurance year, after which the insured person can decide whether to lower or increase the deductible. If you want to lower the franchise, you should inform your health insurance company by the last working day in November at the latest. 

The new contribution can therefore apply from January 1 of the following year. The reduction in the franchise can of course be announced to the insurer much earlier.
If you want to increase the franchise, you don't have to plan for the long term. It is sufficient to send the relevant information to the insurer by December 31 of the current calendar year. 

The increase can then be used from January 1st. Tip: The increase should also be ordered in good time so that there are no problems with the schedule due to possible weekends or a delayed post.

Get the best offer quickly: changing health insurance made easy

The comparison of the health insurance companies showed it once again: You are insured with a significantly more expensive health insurance company! Now it is time to find out about the options for changing providers, which should not be a problem with the following information.

Important information on changing the health insurance

One reason for the desired change can be increased premiums, another reason for poor service. Perhaps you cannot reach a customer advisor or your request was only taken into account after repeated inquiries. You have now compared the health insurance companies and found that the change could be worthwhile. Important to know: The change is very easy, but different conditions apply depending on the type of insurance (basic or additional insurance).

The basic insurance can always be canceled at the end of the year, so it is easy to change providers. You should note November 30 as the notice period. If this falls on a weekend, the deadline is the last working day in November.

When changing the provider of supplementary insurance, the matter is handled differently, because there is no fixed period. However, since most policies are closed for one year, you can only cancel at the end of the respective insurance year. However, the insurance year can end in August, so that the cancellation must be received by the insurer by the end of July. Sometimes other notice periods are also set. It is advisable to take a look at the general insurance conditions so that you don't miss a deadline.

You should take this into account when changing your health insurance

Do not only compare the premiums of different insurers and then switch to the cheaper provider. It is also important that you keep an eye on the services. In some cases, a higher-priced insurer may be the better choice simply because it offers the broader benefits or the better service. Therefore, you can compare point by point and also note the special requirements that apply, for example, to supplementary insurance in terms of age limit.

The benefits in basic insurance are identical for all providers, but the franchise can be set at different levels. This in turn goes hand in hand with the different amounts of the premiums. When it comes to benefits, there is nothing to make good when you change your basic insurance, but you can do it when you change your supplementary insurance. Here the individual insurers can individually define their benefits, which can lead to an enormous difference in benefits. This in turn depends on the monthly premiums that you have to pay. Tip: Plan enough time for the insurance comparison so that you are not later surprised by an undesirable lack of benefits!

Incidentally, it is not possible to escape the health insurance regulation by terminating the contract. Every Swiss citizen must have health insurance. This means that you have to join another insurance company after switching.

You should check this before changing

All too often the mistake is made that insured persons only look at the contributions that they have to pay monthly or annually. It is important to know what the insured people want from their health insurance and what needs must be met. This may not be a problem with basic insurance, but when it comes to switching to supplementary insurance, such considerations are important. Before you decide to change your health insurance, consider the following:

    • How often do you go to the doctor?
    • What are your healthcare costs and how high should the franchise be?
    • Do you want to contact a consultant around the clock or is the service by email sufficient?

Take a closer look at several offers and decide after carefully considering the price-performance ratio. Insure yourself in line with your individual situation and take care of the planned change and compliance with the notice period at an early stage. Also remember the confirmation of admission from the new health insurance company so that you can prove your insurance cover at any time.

Termination of the health insurance: think about the deadlines

In many cases, it can be worthwhile to cancel your health insurance. This applies, for example, if the premiums have been increased again but are lower for other insurers. In the case of supplementary insurance, it may be that benefits have been cut, and of all those that you need. If an insurance comparison has shown that another health insurance company is significantly cheaper (not only in terms of price, but also in terms of price-performance ratio), you should cancel the previous insurance.

When can health insurance be canceled?

The exact terms of termination are set out in the General Insurance Conditions. As a rule, it is possible to cancel the basic insurance within one month of the end of the insurance year. Different deadlines apply to supplementary insurance, in some cases even three months have been agreed. Remember to submit the notice in good time, because it does not count the date of the postmark, but the day of the actual receipt of the notice of termination by the health insurance company. This means: It's better to leave a few days early than to leave too late!

Take enough time in advance to prepare the termination. You must be able to show health insurance, so you should make an insurance comparison early. Compare the offers for health insurance exactly, because this is the only way to determine which provider has the best price-performance ratio. You should also monitor the provider of your choice. It is not uncommon for new tariffs to be announced for the new insurance year, which may well be worthwhile. In some cases, your own insurer also offers better conditions if you learn about your termination plan.

Is the termination really a termination?

All citizens of Switzerland must have health insurance. Therefore, you cannot simply cancel the existing health insurance, you must have another health insurance company up your sleeve. Canceling compulsory basic insurance can still be a good idea, because the premiums differ from provider to provider. Caution: Due to the annual rush of change of many insured persons, the insurance companies have a huge amount of work to do. For them, this means that they are standing in front of a high mountain of files that have to be worked through. It is therefore advisable to hand over the notice early so that the given deadlines can really be met. You can then sit back comfortably and do nothing else. 

Important: Insist on a confirmation of admission from the new insurance company, so that you can present your existing health insurance or comprehensive insurance coverage at any time.

Important reasons for termination of supplementary insurance

If you cancel on time, it is not necessary to state specific reasons for termination. You can then simply cancel at the end of the insurance year and you will soon receive confirmation of this. However, if you want to cancel before the end of the contract, this is only possible for an important reason. Such a reason can be the increase in premiums. The cancellation of benefits from the insurance catalog can also be used as a reason for termination. 

The reasons why a special termination right can be exercised are varied and are mentioned in the general insurance conditions. However, the following also applies here: Compare different providers in good time so that you are fully protected despite the termination.

The health insurance system in Switzerland

The health insurance system in Switzerland is divided into two parts: First, there is basic insurance, which is subject to the requirements of social security law. On the other hand, there is additional insurance, the content of which is based on private law.

Basic insurance according to the KVG

Basic insurance is compulsory for all Swiss and this from birth. Foreigners who move to Switzerland have three months to choose an insurance company and to be admitted there. Anyone who does not meet this obligation will be assigned insurance, which does not necessarily have to be the cheapest. The bonuses are then claimed retrospectively, whereby the registration date of the person concerned with his community is decisive.
The premiums for basic insurance have been rising for years and have almost doubled since the turn of the millennium. The reasons for this are medical progress, higher treatment costs and a longer life expectancy for the insured.

Important principle for basic insurance: All treatments that are covered by the insurance must be economical and appropriate. Unnecessary treatments are not paid for! Rather, it is about using the cheapest method of treatment to help the patient.
Basic insurers are not allowed to reject applicants, even if they are not in the best of health when they apply for insurance. Regardless of age or gender, as well as illness or health, each applicant must be admitted.

The insured person must set a cost contribution, the agreed maximum amount of up to CHF 2,500 applies as a contribution to the treatment costs for one year. Low franchises are recommended for insured persons with high health costs, whereas high franchises are recommended for insured persons with low health costs. The franchise can always be re-arranged, so that it can adapt to individual options and your own state of health.

Supplementary insurance according to VVG

Supplementary insurance should cover areas that are not covered by basic insurance. Important: There are many different providers whose insurance packages are just as different in price and performance. An insurance comparison is therefore absolutely advisable before the decision for or against an insurance provider is made.
For example, treatment costs are insured by specialists or for stays abroad, alternative medicine and vaccinations. Tooth corrections for children are also covered by these insurance policies, as these are not included in the basic insurance.

 Supplementary insurance is subject to private law and is therefore not obliged to admit certain applicants. Tip: Better take out supplementary insurance while you are still young and healthy, because then the risk of exclusions or rejections is lower.
Important: The price differences for supplementary insurance are considerable, so it is advisable to compare the providers and their premiums. They are mostly active throughout Switzerland and are not restricted to certain cantons. In addition, the additional insurance does not have to be taken out from the provider of the basic insurance, you can choose two completely different insurers here.

What is the basic insurance?

Basic insurance must be taken out in Switzerland, it is legally mandatory. The services to be provided by the insurance company are also mandatory. In this point, the providers of health insurance do not differ from each other, everyone must offer the same basic services. However, possible differences can be achieved through supplementary insurance, which represents individual insurance protection.

Important facts in a nutshell

The provider of health insurance is freely selectable and must accept the applicant. The areas of illness, accident and maternity are insured, although accident protection does not necessarily have to be insured. Anyone who works at least eight hours a day is insured against accidents through their employer and does not have to provide any additional private protection. However, if you are not working, only work part-time or act independently, you must take out accident insurance privately or through the health insurance company. Children must also be insured here.

Important: the benefits are the same for all health insurance companies, but it is worth comparing the insurance offers. Because they differ in the amount of the premiums? In view of the fact that the services are the same, the cheapest provider can be chosen. The amount of the premiums is based on various criteria, such as the age and place of residence of the insured, the insurance model chosen and the amount of the agreed deductible per year.

Important to know: The health insurance does not cover the entire cost of a treatment, you have to share the costs yourself with a deductible and deductible. The deductible must be at least CHF 300 for an adult and does not apply to children. The higher the franchise, the greater the premium savings.
The deductible is also determined and is 10 percent of the treatment amount up to a maximum of CHF 700. For children, the maximum amount is halved to CHF 350. You must pay this deductible when the franchise has been used up.

Basic insurance benefits

The following overview shows the benefits that are provided by the basic insurance and are required by law:

    • General services

      This includes outpatient and inpatient stays in the hospital. Treatments must be carried out in a hospital in your own canton. The only exception is if the necessary treatment cannot be carried out in the canton because it is too complex and requires different medical know-how. In any case, the insured person must contribute CHF 15 per day to the hospital costs. If you want more than the usual comfort, treatments in hospital must be covered by additional insurance. Treatments and examinations as well as care measures that are carried out during home visits, outpatient, in a nursing home or hospital are also insured. The insured person can choose a health insurance model for these services: HMO, Telmed and family doctor models are available.

      The general benefits of basic insurance also include treatments that must be provided on the order of a doctor. These include, for example, physiotherapy treatments, occupational therapy, nutritional advice, advice on diabetes, speech therapy and nursing services. Furthermore, care services, spa treatments, rescue operations and applications of alternative medicine are part of the general services.

      Caution: Services abroad are only provided for emergencies and are capped at the amount. For this it is advisable to take out travel insurance so that health protection is guaranteed on vacation.

    • drug

      The Nursing Benefits Ordinance contains a list of analyzes and medicinal products that are covered by health insurance.

    • objects

      The Nursing Benefits Ordinance also includes means and items that are necessary for an examination and treatment and whose use or application is borne by the health insurance.

    • Pregnancy and motherhood

      Check-ups during and after pregnancy can be carried out by midwives and doctors, the cost of which is borne by health insurance. Seven routine examinations with two ultrasound examinations and post-birth check-ups are included in the health insurer's service catalog.
      Important: Pregnancy and maternity benefits are not subject to a deductible or deductible. If the woman wants to choose the doctor or midwife at birth in the hospital, she must take out additional insurance that covers this point.
      The unpunished termination of pregnancy is paid for in accordance with the requirements of Art. 120 SCC.

    • congenital defects

      If there are birth defects that are not covered by the disability insurance, the benefits will be paid for during treatment by the regular health insurance.

    • dental treatment

      The costs of treatment for unavoidable and serious diseases of the chewing system are reimbursed, provided that this disease is related to a general illness. Depending on the existence of other insurance policies, treatment after accidents is also covered. Caries treatment, the restoration of amalgam fillings or a correction of the tooth position, however, are not part of the benefits of the basic insurance. Tip: This requires additional insurance, which should be taken out as early as possible, especially for children.

    • Medical care

      The basic insurance covers various preventive medical examinations, but these must be carried out or ordered by a doctor. This includes screening for children, various screenings, HIV tests, vaccinations for children and cancer screening. This also includes vitamin prophylaxis and numerous other preventive measures.

    • visual aids

      The basic insurance covers benefits that are required for visual aids if these visual aids are intended for children. Adults, on the other hand, are only partially reimbursed for the costs or if there is a specific illness. Even after eye surgery, glasses and contact lenses are paid for at cost.

What do supplementary insurance offer?

In addition to basic insurance, so-called additional insurance can be taken out. These supplement the benefits that are required by law and covered by basic insurance. The services provided by the providers differ considerably in some cases. This also applies to the premium, which is calculated according to the insured risk and the age of the policyholder.

Outpatient and hospital insurance

The two lines of insurance? Outpatient supplementary insurance? and? Hospital supplementary insurance? differ mainly in the services that are performed. In the case of outpatient supplementary insurance, these are:

    • Preventive health measures
    • Vaccinations (also travel vaccinations)
    • cures
    • Nursing and domestic help jobs
    • visual aids
    • medical and nursing aids
    • Transport in an emergency and for relocation, as well as costs for rescue and recovery
    • Dental costs, measures in the field of maxillofacial surgery
    • Treatments abroad

The costs that are reimbursed by the insurance are always capped by a maximum amount. Any additional costs must be borne by the insured person.
The benefits provided by supplementary hospital insurance are as follows:

    • in the case of a semi-private ward, a double room is paid in the hospital, and the treatment is the responsibility of the senior physician
    • in the case of a private ward, a single room is paid for in the hospital; the treatment is the responsibility of the chief doctor
    • in the case of Flex models, the department is only selected when the hospital is visited, and the patients share in the costs of the treatment
    • There is no free choice of doctor for hotel models; a single or double room is paid for
    • In the general ward, costs for hospital treatment outside of your own canton are covered, and benefits are provided by the basic insurance if the necessary treatment in your own canton is not possible

The choice of hospital is sometimes restricted if health insurance provides a list of hospitals to choose from. For this, the premiums to be paid are lower.

Free choice of insurance provider

It is not necessary to take out supplementary insurance with the same insurer through which the basic insurance is also run. Two completely different health insurance companies can be selected here, which has the great advantage of cost control. You can take out basic and supplementary insurance from the health insurance company that is cheapest for you. In some cases, insurers require that the basic insurance is also kept with them if additional insurance is to be taken out. 

Discounts are also possible, which are offered if both insurance policies are carried out with one provider. But even if only the combination of basic and supplementary insurance is possible, the basic insurance can later be canceled with this provider and easily taken out with another provider. You only have to regularly compare costs and keep an eye on the offers of the individual insurers. Then you will also find the best offer that can save you the most money. You can make such comparisons directly here at!

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.

insuranceaddressphoneNumber of insuredCantonPrice example per month in CHF
AssuraAvenue Charles Ferdinand Ramuz 70 1009 Pully021 721 44 11around 1.1 millionall264,90
Atupri health insuranceZieglerstrasse 29, 3000 Bern 65031 555 09 11not knownall294,60
Avenir health insurance AGRue de Cedres 5, 1919 Martigny0848 803 111around 1.4 millionall289,10
ConcordiaBundesplatz 15, 6002 Lucerne041 228 01 11not knownall392,70
CSS health insurance AGTribschenstrasse 21, 6002 Lucerne058 277 11 11around 1.3 millionall418,20
Easy Sana health insurance AGRue de Cedres 5, 1919 Martigny0848 803 111around 200,000all316,20
Helsana Insurance LtdZürichstrasse 130, 8600 Dübendorf043 340 11 11around 1.9 millionall379,20
Intras health insurance AGTribschenstrasse 21, 6002 Lucerne058 277 11 11not knownall385,70
KPT health insurance AGWankdorfallee 3, 3014 Bern058 310 91 11not knownall396,80
Birchmeier health insuranceHauptstrasse 22, 5444 Künten056 485 60 40around 4,500all
ÖKK health insuranceBahnhofstrasse 13, 7302 Landquart058 456 10 10around 395,000all360,30
Philos health insurance AGRue de Cedres 5, 1919 Martigny0848 803 111around 260,000all384,10
Progrès health insurance AGZürichstrasse 130, 8600 Dübendorf043 340 11 12around 1.9 millionall288,30
Sanitas Grundversicherungen AGJägergasse 3, 8021 Zurich044 298 63 00around 820,000all317,40
Swica health insurance AGRömerstrasse 38, 8401 Winterthur052 244 22 33not knownall333,50
Agrisano health insurance AGLaurstrasse 10 5201 Brugg056 461 71 11around 150,000all325,50
AMB Assurances SARoute de Verbier 13, 1934 Le Châble058 758 60 70around 13,400all383,20
Aquilana insuranceBruggerstrasse 46, 5400 Baden056 203 44 44around 42,000all310,90
Arcosana insuranceTribschenstrasse 21, 6005 Lucerne058 277 11 11around 1.7 millionall353,10
Caisse-maladie Vallée d'EntremontPlace Centrale 5, 1937 Orsieres027 783 25 87not knownWallis
Cassa da malsauns LUMNEZIANASumsiaras 117B, 7144 Lumnezia081 931 35 35not knownGrisons
Compact Grundversicherungen AGJägergasse 3, 8004 Zurich044 298 63 00around 70,000all368,40
EGK health insuranceBrislachstrasse 2, 4242 Laufen061 765 51 11around 85,000all371,10
Einsiedler health insuranceHauptstrasse 61, 8840 Einsiedeln055 412 23 18around 4,000Lucerne, Glarus, Nidwalden, St. Gallen, Obwalden, Schwyz, Uri, Zurich, Zug433,80
GALENOS AGMilitaerstrasse 36, 8004 Zurich044 245 88 88around 14,200all355,40
Glarus Health Insurance CooperativeSernftalstrasse 33, 8762 Schwanden055 642 25 25around 7,700Glarus, St. Gallen, Schwyz
Steffisburg Health Insurance CooperativeUnterdorfstrasse 37, 3612 Steffisburg033 439 40 20around 8,700Aargau, Bern, Nidwalden, Obwalden, Zurich, Solothurn
Bern commercial health insuranceNeuengasse 20, 3011 Bern031 310 11 11not known
HOTELA health insuranceRue de la Gare 18, 1820 Montreux021 962 49 49not knownall
KKV health insurance company VisperterminenService center, 3932 Visperterminen027 948 00 50around 4,400Valais, region 2
KLuG health insuranceGubelstrasse 22, 6300 Zug041 724 32 78around 4,500all362,55
Kolping Krankenkasse AGSpiegelgasse 12, 4002 Basel044 824 80 70around 11,700all398,30
Health insurance institute IngenbohlPostfach 57, 8840 Einsiedeln041 825 22 37around 628Aargau, 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 hinterlandLuzernstrasse 19, 6144 Zell041 989 70 00around 21,200Aargau, Bern, Lucerne, Nidwalden, Obwalden, Solothurn, Schwyz, Uri, Zug, Zurich351,95
Simplon health insuranceSheet 1 3907 Simplon027 979 14 39not knownSimplon district
SLKK health insuranceHofwiesenstrasse 370, 8050 Zurich044 368 70 30around 21,000Aargau, 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 2295,30
Stoffel health insuranceBahnhofstrasse 63, 8887 Mels081 723 56 09around 1,200Glarus, Graubünden, St. Gallen
KSM health insurance SwitzerlandDielsdorferstrasse 1, 8173 Neerach043 433 20 40not known
KVF health insurance AGBahnhofstrasse 13, 7302 Landquart058 456 10 10around 11,800all360,30
Moove Sympany AGSpiegelgasse 12, 4002 Basel058 262 30 00around 8,300all384,50
Mutuel health insurance AGRue des Cedres 5, 1920 Martigny0848 803 111around 373,500Alles309,20
PROVITARömerstrasse 38, 8400 Winterthur052 244around 69,800all326,80
RhenusanaHeinrich-Wild-Strasse 210, 9435 Heerbrugg071 727 88 00around 9,000all378,70
Sana24 AGWeltpoststrasse 17-21, 3000 Bern031 357 91 11around 63,500all323,50
Sanagate AGTribschenstrasse 21, 6005 Lucerne0800 347 358around 98,000all339,10
sanaval's health fundValléstrasse 146E, 7132 Vals081 935 11 44around 4,000Grisons
Sodalis health groupBalfrinstrasse 15, 3930 Visp027 948 14 00around 36,000Bern, Valais
Wädenswil Health Insurance FoundationSchönenbergstrasse 28, 8820 Waedenswil043 477 71 71around 11,000Aargau, Schwyz, Zug, Zurich308,80
Sumiswalder health insuranceSpitalstrasse 47, 3454 Sumiswald034 432 30 60around 26,000Aargau, Appenzell Innerrhoden, Appenzell Ausserrhoden, Bern, Basel-Landschaft, Basel-Stadt, Freiburg, Glarus, Graubünden, Lucerne, Nidwalden, Obwalden, St. Gallen, Schaffhausen, Solothurn, Schwyz, Thurgau, Uri, Valais, Zug, Zurich358,90
SUPRA 1846 SARue des Cedres 5, 1920 Martigny0848 803 111around 148,600all445,30
Visana AGWeltpoststrasse 17-21, 3000 Bern031 357 91 11around 471,700all343,70
Vita surselvaBahnhofstrasse 33, 7130 Ilanz081 925 61 60around 3,200all376,50
Vivacare AGWeltpoststrasse 17-21, 3000 Bern031 357 91 11around 45,200all443,30
Vivao Sympany AGSpiegelgasse 12, 4002 Basel058 262 42 00around 149,600all297,30


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 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.