Premium Reduction in Switzerland

Your guide to health insurance premium reduction (Prämienverbilligung). Learn about eligibility, application process, and how to maximize your benefits.

General Requirements

To be eligible for premium reduction, you must meet the following criteria:

  • Be a legal resident of Switzerland
  • Have valid health insurance with a Swiss provider
  • Meet your canton's income thresholds
  • File annual tax returns (except for recent arrivals)

Cantonal Overview

Zurich

Income Threshold:

Individual: CHF 36,000 / Family: CHF 54,000

Maximum Reduction:

Up to 90% of premium

Geneva

Income Threshold:

Individual: CHF 30,000 / Family: CHF 50,000

Maximum Reduction:

Up to 100% of premium

Basel

Income Threshold:

Individual: CHF 32,000 / Family: CHF 48,000

Maximum Reduction:

Up to 65% of premium

Bern

Income Threshold:

Individual: CHF 34,000 / Family: CHF 52,000

Maximum Reduction:

Up to 60% of premium

Required Documents

  • Swiss residency permit
  • Tax declaration from previous year
  • Current health insurance policy details
  • Bank account information
  • Proof of income (if changed significantly from tax declaration)

Special Cases

Students

  • Special calculation methods
  • Parents' income may be considered
  • Additional documentation required

Self-Employed

  • Based on taxable income
  • Business losses considered
  • Special application process

Recent Arrivals

  • Pro-rata calculations
  • Current income basis
  • Simplified process

Application Process

1

Check Eligibility

Review your canton's income thresholds and requirements

2

Gather Documents

Collect all necessary paperwork and proof of income

3

Submit Application

Apply through your canton's designated office or online platform

4

Await Decision

Processing time varies by canton (typically 1-3 months)

Frequently Asked Questions

What is premium reduction (Prämienverbilligung)?
Premium reduction is a cantonal subsidy system that helps lower-income residents afford mandatory health insurance. The amount and eligibility criteria vary by canton, but it can significantly reduce your monthly insurance premiums.
Who is eligible for premium reduction?
Eligibility depends on your canton of residence and income level. Generally, individuals and families with modest incomes qualify. Each canton sets its own income thresholds and calculation methods.
How is the reduction amount calculated?
The reduction amount is calculated based on your taxable income, family size, and canton of residence. The exact formula varies by canton, but generally, lower income means higher reduction.
When should I apply for premium reduction?
Most cantons require applications by December 31 for the following year. However, some cantons like Geneva automatically assess eligibility based on tax returns. Check your canton's specific deadlines.
Can I get retroactive premium reduction?
In some cases, yes. If your financial situation changes significantly (job loss, reduced income), you may be eligible for retroactive reduction. Contact your cantonal office immediately in such situations.
Do I need to reapply every year?
This varies by canton. Some cantons require annual applications, while others automatically reassess based on tax returns. Check your canton's specific requirements.

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