Assura health insurance

Health insurance provider

Assura - Premium development

Canton

Age group

Premium calculation is based on a deductible rate of CHF 300 (deductible rate of CHF 0 in case of children) with inclusion of accidents. When selecting a canton, premium region 1 will be displayed. Not all insurances are on offer in every canton. Where a specific insurance is not available, the premium development view will remain empty.

More about Assura

Forum entries Customer satisfaction Administrative efficiency Company details

Experiences and questions regarding Assura in our forum

05/09/2012 from ComparisUser

Not Happy with Assura

I have Semi-privat insurance policy with Assura which is not cheap. I had need to go into hospital and my hospital doctor recommended in patient treatment as a pre-requisite for intensive therapy to aid recovery. After several telephones calls back and forth with my doctor and Assura's doctor (who

26/10/2010 from ComparisUser

Maternity cover with Assura

I have Complementa Plus and Optima in addition to the base insurance with Assura. What does this cover in terms of maternity hospital stay and delivery of the baby by gynocologist? It's not 100% clear for me in their policy as a lot of detail is missing...

28/04/2010 from ComparisUser

Terminate my health insurance

HiI moved to Switzerland less than 2 months ago and was supposed to stay here until the end of the year. But for professional reason, it seems that I will be leaving next month. I did sent a signed contract to Assura a couple of weeks ago but I haven't received any reply from them. Is there a way

28/01/2010 from ComparisUser

Assura company

Hi,I am currently living in Geneva, switzerland. I have change my health insurance to Assura start Jan this year by looking at comparis website. But Assura still didnt send me any insurance card and also the insurance policy . They just send me the orange pay slip to ask me to pay for first 3 month.

More information on Assura

Customer satisfaction with Assura

satisfactory(4.6)

Bewertungskriterien
Valuation basis
Comparis Rating

satisfactory(4.7)

Competence and helpfulness of employees

adequate(4.4)

Statements (clarity, prompt payment, goodwill etc.)

satisfactory(4.7)

Clarity and comprehensibility of customer information

In 2017, comparis.ch conducted a representative survey on customer satisfaction with the Swiss health insurance companies in collaboration with the market research institution, GfK. A total of more than 2400 persons from all linguistic regions of Switzerland were surveyed. They rated the competence and commitment of the insurance employees, their satisfaction with the invoicing process, and the comprehensibility of customer information.

Mark 6.0 – 5.5: excellent
Mark 5.4 – 5.0: good
Mark 4.9 – 4.5: satisfactory
Mark 4.4 – 4.0: adequate
Mark 3.9 – 1.0: inadequate

All answers from one respondent about a provider are taken to calculate the total rating from the same respondent. A provider's final rating corresponds to the rounded mean value of all these total ratings. The final ratings as given by comparis.ch are based on the Swiss school grading system.

Assura - efficiency of administration

Administrative costs

6.8% of premiums

Collection of data 11/2017

When is a health insurance company efficient?

Health insurance companies are considered efficient
if their administrative costs are less than 4.2% of premiums.

Assura – company details

Reserves of the health insurer Assura	2014	2015
Number of policyholders More information Number of policyholders Average number of policyholders in the previous year (basic insurance only).	696,292	922,902
Reserves in millions of CHF More information Reserves in millions of CHF Including reserves for optional daily benefits insurance.	826.1	757.8
Minimum reserves in millions of CHF More information Minimum reserves in millions of CHF Since 2012, the minimum amount of reserves has been determined based on a model that takes the insurance companies' individual risks into account (Health Insurance Act (KVG) solvency test, cf. Art. 78ff Health Insurance Ordinance (KVV)). Insurance companies whose reserves are below the minimum amount (solvency ratio < 100%) are subject to the old reserve requirements until 2016.	225.6	491.8
Solvency ratio More information Solvency ratio The solvency ratio indicates the ratio between the existing reserves and the minimum amount.	366.0%	154.0%

comparis.ch displays the supervision data published by the FOPH. comparis.ch does not guarantee the accuracy of the data. Last updated: 28.09.2017

Good to know about Assura

Assura was founded in Western Switzerland in 1978. The executive board and the first branch office were opened in Pully.

Benefits covered under basic insurance

The range of benefits covered by all health insurance companies is set out in the Health Insurance Act (KVG).

Changing to Assura

In mandatory basic insurance, a health insurance company can neither reject a policyholder nor only accept him/her with reservations. There is full freedom to change insurance and every person may buy insurance from any health insurance company – independent of their age or health condition.

Offerings from Assura

Assura accepts policyholders from all over Switzerland for mandatory basic insurance (standard model). Additionally, Assura offers alternative insurance models for cost-conscious policyholders – however, not the whole range is available everywhere in Switzerland. To find out if Assura offers an alternative model at your place of residence, we recommend comparing premiums.