Health insurance and gym membership: which health insurance company pays for the gym?
Some supplementary insurance policies reward customers with up to 900 francs if they do something for their health. Which health insurance company pays how much? Comparis provides information.
13.01.2026
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1. Does my supplementary insurance contribute to fitness costs?
Many health insurance providers contribute in the costs of a fitness subscription. The prerequisite is the conclusion of an outpatient supplementary insurance. The Compulsory basic insurance does not cover any costs for your fitness subscription.
Depending on the supplementary insurance, health insurers also cover part of the costs for fitness courses and health promotion. These include aerobics classes, pregnancy gymnastics and general prophylactic courses. Certain supplementary insurance policies grant additional premium reductions when using fitness trackers.
It's worth comparing
The insurance costs and the cost sharing for a gym membership are very different. A Comparison of supplementary insurance is worth it.
2. Which health insurance company pays how mcuh for gym membership?
Depending on the supplementary insurance, health insurance companies contribute up to 900 francs per year to your fitness costs.
These amounts are paid by health insurers per calendar year with existing supplementary insurance (list not exhaustive):
| Health insurance | Maximum cost sharing* |
|---|---|
| Atupri | CHF 500 |
| Concordia | CHF 200 |
| CSS | CHF 500 |
| EGK | CHF 360 |
| Groupe Mutuel | CHF 500 |
| Helsana | CHF 200 |
| KPT | CHF 300 |
| ÖKK | CHF 300 |
| Rhenusana | CHF 400 |
| Sanitas | CHF 400 |
| SLKK | CHF 300 |
| Swica | CHF 900 |
| Sympany | CHF 300 |
| Visana | CHF 200 |
Last updated: January 2026
* The maximum cost contribution may differ depending on the supplementary insurance within a health insurance company.
3. Which gyms are accepted by health insurance companies?
Supplementary insurance policies don't accept all fitness centres. Many health insurance companies only participate if the fitness centre has a quality label. Well-known quality labels are Qualitop, Qualicert or Fitness-Guide. Inquire before taking out a policy with your health insurance company, whether it recognises your gym.
4. Do I have to provide proof of training?
The health insurance supplementary insurance requires proof of membership in the gym. Depending on the insurance company, you must provide the membership confirmation and in part the receipt as well as the submit a copy of the contract.
Good to know
Supplementary insurance policies may include a waiting period for the reimbursement of benefits such as fitness costs . This means that if you take out insurance today, you can only take out a fitness subscription after a defined period of time. Therefore, make sure that you conclude the contract in good time.
5. Is it worth taking out supplementary insurance just for the fitness subscription?
Taking out a outpatient supplementary insurance is hardly worth it just because of the fitness costs.However, insurers often cover the costs of visual aids, preventive examinations or alternative healing methods. In connection with these services, supplementary insurance can be useful.
Good to know: Health insurance companies require new customers a health check. Therefore, you should usually cancel an existing cancel an existing supplementary insuranceonce you have been accepted by the new insurer.
6. Health insurance and fitness subscriptions: Frequently asked questions
The studios of clever fit are Qualitop-certifiedThis means that you can usually receive a reimbursement for your fitness subscription from your supplementary insurance.
Important: Before taking out your supplementary insurance, check whether it contributes to the costs of your fitness subscription. Not all insurance companies cover the costs of a subscription with clever fit.
ACTIV FITNESS studios are Qualitop-certified.
This means that you can usually receive a reimbursement for your fitness subscription from your supplementary insurance.
Important: Before taking out your supplementary insurance, check whether it contributes to the costs of your fitness subscription. Not all insurance companies cover the costs of a subscription to ACTIV FITNESS.
The cost sharing of supplementary insurance in your fitness subscription varies depending on the provider and model. Here you will find an overview of the maximum cost coverage through supplementary insurance.
This article was first published on 23.12.2024
