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Basic insurance

Premium subsidy

These days, many insured are entitled to a premium subsidy and also avail themselves of this. Are your financial circumstances very modest and do you need a financial contribution to your compulsory health insurance premium? We have the answers to your most important questions.

Who is eligible for an individual premium reduction (IPV)?

People who have taken out compulsory health insurance (basic insurance) from a health insurance scheme recognised by the Federal government and whose income and assets justify financial support are entitled to a premium subsidy. This support differs from canton to canton.

If you live in an EU country, Iceland or Norway and draw a pension from Switzerland, you are also entitled to a premium reduction subject to certain conditions. Contact the Gemeinsame Einrichtung.

By how much is the premium reduced?

The IPV must not exceed the annual premium for compulsory health insurance. The amount depends on the following factors:

  • Total taxable income
  • Place of residence
  • Age

Young adults’ tax factors apply from the age of 18, even for young people who are still living with their parents. Young adults’ premiums are reduced by more during their initial education.

Remember: There is no entitlement to a premium reduction if private health insurance is interrupted during military service.

How is the payment made?

No payment is made to the beneficiaries directly and the amount is not set off against their tax bill. The cantons are obliged to arrange the premium reduction through the insurers. The amount is deducted from the insurance premium and is shown on the premium invoice. However, the amount shown on the policy is always the full amount.

Important: If the premium reduction still has not been credited to your premium invoice two months after receipt of the decision, please contact your competent Canton directly. To avoid receiving a reminder, we would ask you to pay your premium invoice, even if it does not yet reflect the premium subsidy. The deduction will be made later and you will receive an amended invoice with a credit for the excess premium paid.

Where can you sign up for it?

The tax offices of some local authorities use the tax factors to determine who is entitled to the individual premium reduction. They pass this information on to the local authorities. The competent office then sends the eligible persons a pre-printed application form. If the details on the form are correct, all you need to do is to sign the form and send it back.

Some local authorities require to you make the first move and ask whether you’re entitled to a premium reduction. So you need to register with the office in your municipality of residence that deals with these matters.

Further information

If you change health insurer, the premium reduction is stopped by the implementing agencies and passed straight on to the new insurer.

If you’re getting additional benefits on top of the AHV or IV pension, you don’t need to apply for a premium reduction. You can find out more here.

Competent offices in the cantons

Aargau
  • Competent office: SVA Aargau
  • Procedure: The SVA Aargau sends people who might be entitled to a premium reduction a code through the post, which they can then use to apply online.
  • Deadline: 31 December of the previous year

Appenzell Ausserrhoden

  • Competent office: Sozialversicherungen Appenzell Ausserrhoden
  • Procedure: If you are entitled to a premium reduction, you submit the application form to the AHV branch office in the municipality you live in.
  • Deadline: 31 March

Appenzell Innerrhoden

  • Competent office: Canton of Appenzell Innerrhoden Health Office (Gesundheitsamt)
  • Procedure: If you’re entitled, the authorities will find out for you. If you think you’re entitled to a premium reduction but haven’t been notified about this, you can ask the AHV branch office in your municipality for an application form.
  • Deadline: 31 March

Basel-Landschaft

  • Competent office: SVA Basel-Landschaft
  • Procedure: The Canton will find out who is entitled as a matter of course. All you then need to do is complete the application form with any details that aren’t already on it, sign it and send it back.
  • Deadline: One year after receiving the form

Basel-Stadt

Berne

Fribourg

Geneva

Glarus

Graubünden

Jura

  • Competent office: Ausgleichskasse (Compensation Office) des Kantons Jura
  • Procedure: If you’re insured and have already been granted a premium reduction, you will automatically be sent an application form by the canton. If not, you have to submit an application to your municipality of residence.
  • Deadline: 31 December

Lucerne

Neuchâtel

  • Competent office: Service de l’action sociale
  • Procedure: If you’re entitled, the authorities will find out and contact you directly.
  • Deadline: 31 December

Nidwalden

Obwalden

Schaffhausen

Schwyz

Solothurn

St. Gallen

Ticino

  • Competent office: Servizio sussidi assicurazione malattia
  • Procedure: If you’re entitled to a premium reduction, you submit the application form to your municipality of residence.
  • Deadline: 31 December

Thurgau

Uri

Vaud

Valais

Zug

Zurich