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Age level

Premiums for basic health insurance vary depending on the policyholder's age.
Basic health insurance

Art. 61 of the Health Insurance Act defines three age levels:

  • Children (up to age 18)
  • Young adults (ages 19 to 25)
  • Adults (age 26 and over)
Insurers must define lower premiums for children by law. 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 or 25th birthday, respectively, with effect from 1 January of the following year.

Supplemental insurance

For supplemental insurance, a distinction is commonly made between current age and admission age. There are no uniform age groups as is the case with basic insurance; the health insurance companies may determine the age levels themselves.

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