Health insurance premiums

Health insurance premiums are fees that citizens and anyone residing in Switzerland needs to pay to insurance companies in Switzerland, usually on a monthly basis. Having a basic health insurance is compulsory, unlike the optional supplementary insurance which terms, conditions, and benefits differ and can be chosen in accordance with one’s needs.

Basic insurance premium – coverage

The basic premiums are different and depend on several factors, such as policyholder’s place of residence or canton, age, insurance model, the deductible, and of course, the insurance provider.

Premiums are reduced for children (up to the age of 18) and younger adults (19 to 25 years of age).

Regarding insurance models, this type of premium typically covers:

  • Family Doctor
  • Telmed
  • HMO
  • Pharmacy models

The basic deductible cannot be higher than 700 CHF a year, while the maximum amount of 300 CHF needs to be paid for children and younger adults.

The basic premium does not cover out-of-pocket expenses – the deductible and the coinsurance. Coinsurance is the amount of 10% of total medical costs which policyholders need to pay when claiming benefits for their medical and hospital treatment and medication.

All insurance companies reserve the right to set their own prices, so making a comparison between different providers’ policies is highly recommended.

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