Sanavals health insurance

Sanavals - Premium development

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.

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Sanavals - efficiency of administration

Administrative costs
5.3% of premiums

Collection of data 11/2018

When is a health insurance company efficient?
Health insurance companies are considered efficient
if their administrative costs are less than 4.2% of premiums.

Sanavals – company details

Reserves of the health insurer Sanavals
Number of policyholders
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Number of policyholders
Average number of policyholders in the previous year (basic insurance only).
2,493 2,614
Reserves in millions of CHF
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Reserves in millions of CHF
Including reserves for optional daily benefits insurance.
8.4 8.7
Minimum reserves in millions of CHF
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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.
2.4 2.3
Solvency ratio
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Solvency ratio
The solvency ratio indicates the ratio between the existing reserves and the minimum amount.
373.0% displays the supervision data published by the FOPH. does not guarantee the accuracy of the data. Last updated: 24.09.2018

How to contact Sanavals

Sanavals Gesundheitskasse
Haus Isis
Postfach 18
7132 Vals
Tel. 081 935 11 44
Fax 081 936 90 28

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Health insurance