Understand Sanitas — and Whether It's Right for You
About Sanitas
Sanitas health insurance Switzerland is 4th largest health insurer in switzerland, serving ~850,000 insured persons. Known for strong english-language support, Sanitas combines modern approaches with digital tools to simplify insurance management.
This guide explains Sanitas's strengths, limitations, and how it compares to other major Swiss insurers — especially for expats seeking English-language support and independent advice from FINMA-certified brokers.
Understanding Sanitas's foundation is the first step — but how do you know if it's right for you?
Sanitas at a Glance
Detailed factual overview of Sanitas health insurance.
| Attribute | Details |
|---|---|
| Insurer Name | Sanitas |
| Founded | 1958 |
| Headquarters | Zurich (ZH) |
| Market Position | 4th largest health insurer in Switzerland |
| Clients | ~850,000 insured persons |
| Languages / English Service | German, French, Italian, English service Dedicated English hotlines and expat-focused service teams |
| Strengths | Strong English-language support, Well-developed digital services, Customer-focused approach, Competitive supplementary plans |
| Limitations | Basic insurance premiums can be mid-range, Smaller provider network than CSS or Helsana |
| Unique Supplementary Plans | Basic Smart, Classic, Premium, Hospital Plus |
| Known For / Keywords | Expat-friendly service, English-speaking hotlines, Digital claim processing |
| Customer Focus | International residents, expats, urban professionals |
| Premium Example (Zurich, Region 2) | ~CHF 362 (Basic, Fr. 300 deductible) |
| Premium Stability Trend | +5.4% average increase (2025 → 2026) |
| Claim Support Quality | ⭐ 4.4 / 5 (good service) |
*Based on official BAG data and public Sanitas reports, verified October 2025.
Sanitas Highlights
- Strong English-language customer service
- Well-rated digital services and claim processing
- Expat-friendly approach with dedicated support
Let's look at the three most common reasons expats evaluate Sanitas — and what really matters in each case.
Why People Consider Sanitas
Three common situations where Sanitas comes up — and how we help you decide.
New in Switzerland
Need to register within 90 days? Sanitas can be one of several good options — we help you compare all.
Learn MoreAlready Insured, Considering a Change
We check if switching or optimizing makes sense — often you can save without losing benefits.
Learn MoreWant to Optimize Your Coverage
We review your plan and suggest upgrades or savings across 50+ insurers.
Book ConsultationData matters — but experience matters more. Here's what our independent advisors see after years of comparing Sanitas to other providers.
Independent Expert Perspective
We regularly benchmark Sanitas, CSS, Swica, and others for expats. Each insurer has unique acceptance policies and claim behaviors — the right choice depends on your needs.
Sanitas excels in strong english-language support, but may not always be the most cost-effective option. We compare basic insurance (LAMal/KVG) and supplementary insurance premiums, service quality, and long-term value across all providers.
"The best insurer is the one that matches your health usage, budget, and risk profile — not necessarily the biggest name."
"Sanitas is particularly popular among expats due to strong English support. However, premiums aren't always the most competitive — we help you weigh service quality against cost."
Robert Kolar
FINMA-certified Insurance Broker
Sanitas vs Other Swiss Insurers
Sanitas is 4th largest health insurer in switzerland — international residents, expats, urban professionals.
However, it's not always the most affordable, especially compared to regional competitors. We compare all major Swiss insurers independently.
Compare coverage & premiums
Compare coverage & premiums
Compare coverage & premiums
*Our independent comparison is based on verified BAG data, public insurer reports, and real client feedback.
Our review process is straightforward and transparent — so you always understand what we recommend and why.
How Our Review Works
Whether you're considering Sanitas or comparing all options, here's our process.
Review your plan
We read your basic & supplementary cover
Explain options
Clear English, what stays / what changes
Identify savings & risks
Model, deductible, overlaps
Confirm & handle switch
We do forms + cancellation
Independent, FINMA-certified guidance. Free and unbiased.
Health Insurance Isn't Just About Numbers
It's about peace of mind — knowing you're covered for all eventualities, with an expert who continues to take care of you year after year.
Whether you choose Sanitas or another provider, we ensure your decision is informed, strategic, and aligned with your wellbeing in Switzerland.
Here's what people say about getting independent insurance advice with us:
What Our Clients Say
★★★★★ Rated 4.9 / 5 by expats across Switzerland
Real experiences from people who got independent insurance advice.
"Robert was an excellent assistant. He introduced me to the complex health system in Switzerland and made sure I took the best decision, providing information and answering all my questions."
German Barquero
Google Review
"I had great experience with expat-savvy, receiving very helpful, professional advice tailored to my personal situation. Robert has demonstrated his in-depth knowledge of the field."
Rebeka Johnson
Google Review
"Robert's advice was very helpful in choosing the right health insurance package and getting over the hurdles of pre-existing conditions. He found me a much better deal."
Martin Walsh
Google Review
Still have questions? Here are the most common ones we hear about Sanitas:
Common Questions About Sanitas
Everything you need to know about Sanitas health insurance.
Is Sanitas good for expats?
Yes, Sanitas is particularly popular among expats due to strong English-language support and customer service. Premiums are competitive though not always the cheapest — we help you compare value vs cost.
Does Sanitas have English customer service?
Yes, Sanitas offers dedicated English-language support through their customer service hotlines, making them a popular choice for international residents and expats in Switzerland.
Can I switch to Sanitas from another insurer?
Yes, you can switch to Sanitas during the annual switching period (deadline 30 November for basic insurance). Basic insurance acceptance is guaranteed; supplementary requires health questionnaires.
How do Sanitas premiums compare to other insurers?
Sanitas premiums are generally mid-range — not the cheapest, but not the most expensive. The value comes from their service quality and English support. We compare exact premiums for your canton.
What supplementary plans does Sanitas offer?
Sanitas offers Basic Smart, Classic, Premium, and Hospital Plus supplementary plans covering dental, hospital upgrades, alternative medicine, and worldwide coverage. We help select the right combination for your needs.
Is Sanitas strict with pre-existing conditions?
For basic insurance, Sanitas must accept everyone. For supplementary insurance, they conduct standard health assessments. We help structure applications to maximize approval chances.
More questions about Sanitas or Swiss health insurance in general?
Not Sure If Sanitas Is Right for You?
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