Premium saving tips: basic insurance
Find out here how you can save on basic insurance premiums.
Which insurance model do you have?
Besides the BASIS standard model we offer alternative insurance models (AIM) under compulsory basic insurance. With an alternative insurance model, you benefit from having a central point of contact for all health-related matters. You also receive a generous discount* on your basic insurance premium:
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How high is your deductible?
If you choose a deductible for your basic insurance that is higher than the statutory minimum of CHF 300, you can save a great deal on premiums.
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Choice of annual deductible
Maximum saving*
Adults
CHF 500.–
8% discount
CHF 1000.–
20% discount
CHF 1500.–
30% discount
CHF 2000.–
40% discount
CHF 2500.–
50% discount
Children
CHF 500.–
50% discount
You can increase or decrease your deductible on 1 January of the following calendar year. The following deadlines apply:
- When reducing the franchise: 30 November
- When increasing the franchise: 31 December
Please note that notification of change must reach us by no later than the last working day before the respective date.
* Maximum saving
It is not always possible to fully utilise the discounts offered by alternative insurance models and higher annual deductibles. The law requires that the reduced premium must be no more than 50% cheaper than the standard premium (including accident cover) with the statutory minimum deductible of CHF 300. In addition, health insurance companies can grant a maximum discount of 70% of the additional risk that policyholders take on by choosing a higher deductible. The additional risk corresponds to the difference between the statutory minimum deductible and the higher deductible selected by the policyholder.
No optional deductibles for basic insurance for cross-border commuters
It is not possible for cross-border commuters to choose their deductible, i.e. they cannot opt for a higher deductible in return for a reduced premium.
Who pays your accident cover?
If you are employed by the same employer for at least eight hours a week, you are automatically insured against both occupational and non-occupational accidents through them. You can therefore exclude accident cover under compulsory basic insurance, reducing your basic insurance premium by 7%.
Do you know about the discount for children and young people?
In order to keep insurance premiums as low as possible for families and young people, we offer attractive discounts.
Children up to the age of 18
- 75% discount on the adult premium for the first and second child.
- 90% discount on the adult premium for the third child onwards (if all children have basic insurance cover under the same family contract with the same insurance provider).
Young people from the age of 19 to 25
- 20% (30% in Ticino) discount on the adult premium.
Are you entitled to a premium subsidy?
If you live in modest financial circumstances, you will receive a financial contribution to your compulsory health insurance premium.
Are you entitled to supplementary benefits?
If you are entitled to supplementary benefits, you will be reimbursed for healthcare costs. These include the deductible and excess for compulsory health insurance, dental treatment, household help, transport costs and convalescent therapies, among others.
Good to know: The additional benefits on top of AHV and disability insurance are monthly social insurance contributions. They are awarded when the insured person's pensions and other income and assets do not amount to the minimum required to cover the cost of living.
Do you have questions?
We're here to help.