Ways to save money on basic health insurance:
- TIP 1: Various savings models
With alternative health insurance models such as HMO, family doctor, Telmed or other models, you can save up to 25 percent on premiums. Check with your insurance provider if one of these alternative models is offered in your area.
- TIP 2: Optional deductibles
By choosing a higher deductible, you are responsible for a greater amount of the costs resulting from an illness and/or accident. On the other hand, this can lead to substantial savings on premiums. Health insurance companies are free to offer the following deductibles:
Children (up to 18 years of age):
- CHF 100
- CHF 200
- CHF 300
- CHF 400
- CHF 500
- CHF 600
- CHF 500
- CHF 1000
- CHF 1500
- CHF 2000
- CHF 2500
Before selecting a higher deductible, you should be aware of the financial risks of a serious illness. The optimised deductible calculator helps with making this decision.
- TIP 3: Basic and supplemental insurance can be kept separate
Basic and supplemental insurance can be taken out with different health insurance companies. The benefits and coverage of basic health insurance are clearly defined and consistent among all providers. There are therefore only few reasons why you should not switch to the least expensive health insurance provider. All providers are obligated to accept every applicant for basic health insurance.
- TIP 4: Limit hospital coverage to the canton of residence
This restriction can make sense particularly for residents of larger cantons that have a correspondingly large and extensive offering of medical services. If emergency medical services are required in another canton, the resulting costs will still be covered by the insurance.
By the way: basic health insurance is sufficient for general coverage worldwide (with the exceptions of the USA, Canada, Australia and Japan), as the maximum covered amount for emergency treatment abroad is twice that for the same treatment in Switzerland.
- TIP 5: Health insurance without accident coverage
Persons working at least 8 hours per week with the same employer are automatically insured through this employer against accidents (Accident Insurance Act – UVG) and can therefore exclude accident coverage from health insurance without hesitation. This leads to a premium discount of up to 10 percent depending on the provider. As soon as you are no longer covered for accidents by your employer, the health insurance provider must be notified. Accident coverage according to the Health Insurance Act (KVG) then comes into effect with a resulting rise in premiums. UVG accident insurance covers treatment costs for work-related as well as non-work-related accidents, that is, those occurring in your free time. Those receiving unemployment benefits are insured from SUVA against accidents.
By the way: accident coverage from an employer-provided insurance (UVG) offers much better protection than accident insurance taken out in conjunction with basic insurance (KVG). Benefits covered by UVG accident insurance are not subject to a deductible or coinsurance. Furthermore, UVG accident insurance provides additional coverage for serious accidents, such as daily allowances, pensions or other reimbursements.
- TIP 6: Suspend basic health insurance during military service.
Insured individuals in military service for more than 60 continuous days may suspend their basic health insurance during this time as long as they provide proof of this period of military service. The proof must be presented to the health insurance provider prior to the military service.
- TIP 7: Individual premium reduction (IPR)
If your annual taxable income lies below a certain limit, you are entitled to a premium reduction from your canton of residence.
- TIP 8: Premium payment for whole year
Some health insurance providers offer a discount if the premiums are paid once for the whole year instead of monthly payments. Please check directly with your provider if this is an option.