Cars & motorcycles
Loans & mortgages
Healthcare & pensions
Since June of 2000, comparis.ch has been a public limited company based in Zurich and currently employs over 180 persons. comparis.ch also has an advisory board. Every quarter, comparis.ch publishes the Konsumentenstimme (in German and French only) with facts, figures and background information on current consumer issues.
Independence is the highest principle
comparis.ch's only commitment is to the consumers' interests and we do not mince matters if our experts detect unfair rates which might deceive consumers. Many providers already had to revise their offers after public criticism from comparis.ch.
The comparisons from comparis.ch are comprehensive and take into consideration all significant providers of an industrial sector who make their rates available online. No provider is associated with comparis.ch. Furthermore, all of the comparisons are permanently online. No provider could be privileged by comparis.ch, as its competitors would discover this straight away and object accordingly. This guarantees the neutralityof our comparisons and ratings.
Millions of users trust comparis.ch
In 2017 comparis.ch had almost 80 million visits and thus counts among the most widely used Swiss websites. Four out of five Internet users know the independent comparison service. They appreciate the transparency of the comparisons and the opportunities to save money. comparis.ch sees this sign of confidence as a great mission to constantly offer reliable and neutral comparisons that are independent from the providers.
Revenues and expenditures of comparis.ch
If you have ever tried to compare offers for a certain product and find the right provider, you will know how difficult and time-consuming this is. Which provider is selling the product at what price? What are the conditions? Are the products really comparable or are they actually different products? comparis.ch employs more than 180 people whose mission it is to answer these questions for consumers. Each comparison – whether between insurance products, banks or mobile plans – is based on constant market observation and complex analyses.
comparis.ch finances the comparisons through advertising sales as well as the forwarding of clicks and the registering and processing of quote requests to the providers who wish to make use of these services. Depending on the area, the quotation service costs at least CHF 30 per request and is the same for all providers of the same sector. In return, the insurance companies and other providers are able to strongly reduce their expenses for customer acquisition, marketing, advertising, sales, call centres and administrative processes. Whether providers are included in the comparison and in what order they are displayed in the full view is independent of whether they make use of the comparis.ch services or not.
Benefits and revenues in the basic health insurance sector
comparis.ch is the pioneer of health insurance premium comparisons. The Health Insurance Act (KVG) guarantees policyholders free choice of basic health insurance. Since 1996, policyholders have been able to compare their health insurance premiums on comparis.ch They exercise their right in light of premium increases and change their health insurance model or their insurance provider.
3.5 million premium comparisons: comparis.ch is the leading Swiss Internet comparison service. In 2017, internet users in Switzerland performed over 3.5 million comparisons of health insurance premiums on comparis.ch for 4.9 million individuals*. This information service is free to the public and to health insurance companies and allows the insurers to save resources and money on information and advertising.
Compensation for premium comparisons and quote requests: Anyone wishing to change their provider after a comparison can request quotes through comparis.ch. The quoting process is efficient, fully automated and reduces the insurance companies' administrative costs. The health insurance companies pay comparis.ch only for the use of these quoting processes. In 2017, comparis.ch charged its partner companies roughly 9.6 million francs for these services related to social basic insurance. The annual costs for the premium comparisons were 1.90 francs per person.
The cost of telephone advertising and consultation services for comparison: Insurance providers pay a call centre around 100 francs for a consultation appointment. A consultation with an agent, a broker or a member of the provider's sales force costs another 100 francs without a full premium comparison. If, in addition to the 3.5 million premium comparisons on comparis.ch, it had been necessary to arrange an appointment plus a consultation, the insurance companies would have incurred costs of around 700 million francs. That is more than half what the insurers spend on their own administration. Administrative costs in 2016 amounted to a total of 1.3 billion francs, which is 4.7 percent of premiums.
* Comparisons can be made for more than one individual at a time (i.e. family members).
The role of comparis.ch on the insurance market
On 4 December 1994, the Swiss voters decided on a reform of the Health Insurance Act (KVG). This stipulated that policyholders should be able to choose and change their insurance companies freely. Therefore, since 1996, the health insurance companies have been in a competitive situation. comparis.ch has an important function in this competition:
What is the difference between comparis.ch and brokers/agents?
Current services offered by comparis.ch
The users of the Comparis website can make comparisons on price-performance ratios in the following sections:
Principles governing the compilation of the comparisons
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