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Information on basic insurance

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Born in

For a personalised comparison, we need to know your year of birth as premiums vary depending on your age group.

There are three age groups for basic insurance according to the Health Insurance Act (KVG):

  • Children (up to 17 years of age)
  • Young adults (from 18 up to 24 years of age)
  • Adults (from 25 years of age)

Deductible

Policyholders must contribute to benefits paid by the health insurer. Their share includes a predetermined amount, the so-called deductible, and an additional retention of 10 percent.

The deductible only has to be paid once per calendar year and is at least CHF 300 for adults.

Accident coverage

Persons employed at least 8 hours per week with a single employer are automatically insured through this employer against accidents (Accident Insurance Act – UVG). They can therefore exclude accident coverage from their health insurance policy without the slightest hesitation.

All inactive policyholders and children have to take out accident coverage with a health insurance provider or a private accident insurance provider.

Born in

For a personalised comparison, we need to know your year of birth as premiums vary depending on your age group.

There are three age groups for basic insurance according to the Health Insurance Act (KVG):

  • Children (up to 17 years of age)
  • Young adults (from 18 up to 24 years of age)
  • Adults (from 25 years of age)

Deductible

Policyholders must contribute to benefits paid by the health insurer. Their share includes a predetermined amount, the so-called deductible, and an additional retention of 10 percent.

The deductible only has to be paid once per calendar year and is at least CHF 300 for adults.

Accident coverage

Persons employed at least 8 hours per week with a single employer are automatically insured through this employer against accidents (Accident Insurance Act – UVG). They can therefore exclude accident coverage from their health insurance policy without the slightest hesitation.

All inactive policyholders and children have to take out accident coverage with a health insurance provider or a private accident insurance provider.

Models in comparison

Standard basic insurance

All health insurance companies offer standard basic insurance. The benefits are identical with all providers and there is free choice of physicians.


Alternative insurance models

The alternative insurance models include the HMO model, family doctor model, Telmed model and other models. Policyholders benefit from premium discounts of up to 25 percent for mandatory health insurance compared to standard basic insurance.

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  • the cheapest and the most expensive standard basic insurance policy
  • the cheapest alternative insurance model (if selected)
  • the insurance companies with the highest and the lowest customer satisfaction
  • the insurance companies with the lowest administrative costs (national and regional category)
  • offers for which you can request a quote via comparis.ch
Full view:
  • offers and customer satisfaction of all insurance companies