Sanitas Health Insurance

Health insurance provider

Sanitas - 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 Sanitas

Forum entries Customer satisfaction Administrative efficiency Company details

Experiences and questions regarding Sanitas in our forum

None

Customer satisfaction with Sanitas

good(5.26)

Bewertungskriterien
Valuation basis
Comparis Rating

good(5.27)

Competence and helpfulness of employees

good(5.29)

Statements (clarity, prompt payment, goodwill etc.)

good(5.15)

Clarity and comprehensibility of customer information

In 2016, 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.

Sanitas - efficiency of administration

Administrative costs

5.7% of premiums

Collection of data 11/2016

When is a health insurance company efficient?

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

Sanitas – company details

Reserves of the health insurer Sanitas	2014	2015
Number of policyholders More information Number of policyholders Average number of policyholders in the previous year (basic insurance only).	331,843	486,166
Reserves in millions of CHF More information Reserves in millions of CHF Including reserves for optional daily benefits insurance.	144.9	163.6
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.	93.2	105.0
Solvency ratio More information Solvency ratio The solvency ratio indicates the ratio between the existing reserves and the minimum amount.	156.0%	156.0%

comparis.ch displays the supervision data published by the FOPH. comparis.ch does not guarantee the accuracy of the data. Last updated: 26.09.2016

Corporate structure

Sanitas was established as a foundation in 1958. In 2004, its operative business was handed over to joint stock companies. In 2010, Sanitas converted the companies into a holding structure. Since then, Sanitas Grundversicherungen AG, Sanitas Privatversicherungen AG and Compact Grundversicherungen AG have been part of the Sanitas Beteiligungen AG.

Benefits covered under basic insurance

For the mandatory basic insurance, the benefits that the health insurers must cover are stipulated by law.

Switching to Sanitas for health insurance

Attention should be given to the notification periods when changing one's insurance. Otherwise the freedom to choose one's insurer applies for the mandatory part of health insurance: health insurance providers must accept all applicants and may not reject them based on age, gender or state of health nor may they impose any provisos.

Products from Sanitas

Sanitas offers the standard model throughout Switzerland. In addition, Sanitas also offers alternative insurance models. These usually allow you to save on premiums. However, some of the alternative models are not available everywhere in Switzerland. To find out where they are offered and how much you can save on premiums, we recommend making a premium comparison.