Private pensions – the earlier the better
Are you paying into a pillar 3a account yet? Three good reasons not to delay:
Cars & motorcycles
Loans & mortgages
Healthcare and pensions
For a personalised comparison, we need to know your year of birth as premiums vary depending on your age group.
The Health Insurance Act (KVG) specifies three age groups for basic insurance:
Insurers are legally required to define lower premiums for children. For young adults, the insurance companies may offer reduced premiums, but they do not have to. The change from one age category to the next happens after the policyholder's 18th and 25th birthday, respectively, taking effect on 1 January of the following year.
When health insurance benefits are claimed, the policyholder must pay part of the cost out of pocket. These out-of-pocked expenses include an amount specified in advance (deductible; referred to as franchise in Switzerland) along with an additional coinsurance of 10 per cent. The deductible must only be paid once per calendar year.
The list of options only shows the deductible levels actually offered by the health insurer in question.
Persons employed for at least 8 hours per week with the same employer are automatically insured against accidents through this employer (Accident Insurance Act – UVG). They can therefore exclude accident coverage from health insurance without worry.
All inactive policyholders, children and self-employed individuals must take out accident coverage with a health insurance provider or a private accident insurance provider.
All health insurance companies offer the standard basic insurance. The benefits are the same with all providers and there is free choice of physicians.
The alternative insurance models include the HMO model, family doctor model, Telmed model and other models. Policyholders benefit from premium reductions of up to 25 per cent on mandatory health insurance compared to standard basic insurance.
You can select your current insurance model on the next page (results page).
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