Health insurance family discounts: information and overview
Health insurance family discount: how much is it and is it available for basic insurance? Which insurers offer a discount? Comparis explains.
02.10.2025
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1. Is a family discount available for health insurance?
As a rule, basic insurance premiums for children and adolescents are cheaper than for adults. This is set down in law (Art. 61 para. 3 HIA, not available in English).
Some health insurers offer families with several children additional discounts on basic insurance premiums or supplemental insurance cover. These family discounts are available for both basic and supplemental insurance. Health insurers usually offer discounts from the second or third child onwards.
2. Family discount for basic health insurance
Reduced premiums
Some health insurers offer a family discount on premiums for basic insurance. However, all children must usually be insured with the same health insurer, and in some cases at least one parent.
There are usually two different types of premium discounts when it comes to family discounts:
Discount from the third child: the first two children incur the regular monthly premium. The premium is then reduced for the next child and any subsequent children.
Discount on all children’s premiums: from a certain number of children insured under the same policy, you may receive a discount on the premiums for all children.
Compare health insurance premiums for families
Health insurers that don’t offer a family discount may be cheaper than those than do. It’s best to compare the premiums of different health insurers with and without a family discount.
Good to know: compare premiums for your whole family at the same time. The Comparis health insurance comparison tool will automatically show you the premiums with a family discount. To benefit from this feature, you need to specify all family members for the comparison.
Cap on coinsurance
Do you have at least three children? In that case, you pay a maximum of 1,000 francs in coinsurance for all children together each year. The requirement is that all children are insured with the same health insurer. This is set down in law (Art. 46 para. 4 HIA).
Good to know: some health insurers have an even lower cap for the maximum coinsurance paid in the case of several children. Others even set a limit for the total out-of-pocket expenses paid for children.
3. Which health insurers offer a family discount on basic insurance?
The table provides an overview of the health insurers that offer a family discount on basic insurance.
| Health insurer | Family discount on basic insurance |
|---|---|
| Agrisano | 50% discount on the child premium for the third and each additional child. All children must be listed under the same family policy. |
| Aquilana | 50% discount on the child premium for the third and each additional child. All children must be under 18 years of age and listed under the same family policy. |
| Concordia | Premium discount for the third and each additional child. |
| EGK-Gesundheitskasse | Premium discount for the third and each additional child. All children must live in the same household, be under 18 years of age and listed under the same family policy. |
| Krankenkasse Luzerner Hinterland | 30% discount for the third and each additional child. |
| Groupe Mutuel | 25% discount on the child premium for all children from the third child. |
| Rhenusana | Premium discount for the third and each additional child: the premium is reduced to 10% of the adult premium. |
| Sodalis | 50% discount for the third and each additional child. |
| Sumiswalder | 50% discount for the third and each additional child. |
| Swica | Premium discount for the third and each additional child: the premium is reduced to 10% of the adult premium. |
| Visana | Premium discount for the third and each additional child: the premium is reduced to 10% of the adult premium. All children must be listed under the same family policy. |
Source: health insurer websites
Information correct as of October 2025. All information is provided without liability.
4. Are there any family discounts for supplemental insurance?
Various health insurers offer families a discount on supplemental insurance. You can often receive discounts from the third child, but sometimes even earlier.
As a rule, you have to meet certain conditions to qualify for the discount. Example: at least one parent or sibling must be insured under the same family policy. Some health insurers only give a discount if you also have basic insurance with the same provider.
It’s best to check the general insurance conditions of the health insurer. All the requirements are usually listed there.
5. Which health insurers offer a family discount on supplemental insurance?
Some health insurers offer you and your family a discount on supplemental insurance – and sometimes even free products. The following table shows the deals for families with children under 18 and the conditions for the discount.
Good to know: in some cases, young adults up to the age of 25 also receive a family discount. The discounts may differ from those for minors. Contact your health insurer for more information.
| Health insurer | Family discount on supplemental insurance |
|---|---|
| Aquilana | 50% discount on supplemental insurance for the third and each additional child. At least one parent must have supplemental insurance with Aquilana. All children must be under 18 years of age. Everyone must be listed under the same family policy. |
| Assura | 20% family discount on most supplementary insurance premiums. At least one other family member must already be insured with Assura.Six free monthly premiums if a policy is taken out before birth in the case of the “Nativa” supplemental insurance package. |
| Concordia | Free supplemental insurance for the third and each additional child. The first two children must have taken out the same supplementary insurance.Free risk protection worth a maximum of 192 francs for newborns you register before birth or within the first year of life. The child must successfully complete a risk assessment. |
| CSS | 5–100% discount on supplemental insurance. A legal guardian and the child must be insured with CSS for their basic insurance and a supplemental insurance policy that is eligible for a discount. |
| EGK-Gesundheitskasse | 10% discount on EGK Sun supplemental insurance. One parent and one child must live in the same household and be listed under the same policy. |
| Krankenkasse Birchmeier | 20% discount on most supplemental insurance policies up to the age of 18. At least one parent must have taken out a comparable supplemental insurance policy. |
| Krankenkasse Luzerner Hinterland | Free supplemental health insurance for the third and each additional child until the oldest sibling is 15 years of age. |
| Krankenkasse Steffisburg | Discount on some supplemental insurance policies for all children. At least two children and one adult must have taken out supplemental insurance. |
| Krankenkasse Visperterminen | 20% discount on some supplemental insurance policies. At least one parent must be insured in an equivalent or higher-quality product. |
| KPT | Free “general ward” supplemental hospital insurance for the oldest child from the birth of the third child. For each additional child, the next youngest child receives the insurance cover. At least one parent must have taken out basic insurance and supplementary hospital insurance with KPT. The children must have the same insurance.Free private legal protection insurance for children up to 18 years of age. 50% discount on insurance from the second adult family member. |
| Groupe Mutuel (AMB, Avenir, Philos, Mutuel health insurance) | Discount on the premiums of some supplemental insurance policies if one parent is insured with the same product.Free dental insurance and treatments abroad for three years if a policy is taken out before birth. |
| ÖKK | 50% discount on some supplemental insurance policies. At least one parent and the child must have taken out basic insurance, the basic supplemental insurance module and a supplemental insurance policy that is eligible for a discount. |
| Rhenusana | The following applies to most supplemental insurance policies:5% discount if several people living in the same household are insured under the same policy.50% discount for the third child if the two older minor siblings have the same insurance coverage. |
| SLKK | 10% discount on some supplemental insurance policies if three people live in the same household with the same products. |
| Sodalis | Free supplemental dental insurance for children up to three years of age. 50% discount for children from four to six years of age.Free supplemental hospital insurance. The child must have basic insurance with Sodalis and have Sana or Sana Plus supplemental insurance. One parent must have the same supplemental hospital insurance.Discounted patient legal protection insurance. |
| Sumiswalder | Free supplemental health insurance from the second child. A family policy is required that also includes basic insurance.Free supplemental dental insurance for children up to three years of age. |
| Visana | 50% discount from the second child on most supplemental insurance policies. All children must be insured with the same insurance under the same family policy.Free travel insurance and health legal protection insurance. |
Source: health insurer websites
Information correct as of September 2025. All information is provided without liability.
This article was first published on 31.01.2013
