Health insurance in Switzerland and Germany | Sanitas health insurance

Three key elements in the Swiss health insurance system

Three key elements in the Swiss health insurance system

Basic insurance

Everyone living in Switzerland has to take out basic health insurance. This covers important medical care in the event of illness, accident and maternity.

Although the benefits covered by basic insurance are set down by law and are always the same, the costs vary depending on where you live and the health insurance you choose. Independently of the medical benefits, there are various cost-saving models that allow you to optimise your basic insurance premiums. For example, you can opt for a telemedicine model or a family doctor model.


Deductible and coinsurance

The deductible and coinsurance refer to the share of the cost you pay when you make a claim on your insurance. The higher the deductible, the lower the monthly premiums for basic health insurance. Please remember that you may have to pay this deductible at any time.

We therefore recommend that you set this amount to one side to avoid any financial risk.

Detailed information on the deductible and copayment (PDF)

Supplementary insurance

You can also take out various supplementary insurance plans in addition to the basic health insurance. These can be chosen to address your own specific needs.

One popular example is supplementary insurance plans for inpatient care, which among other things cover the costs of a single room or a two-bed room if you have to stay in hospital. However, you can also get insurance that covers treatment in the general ward (PDF) of a hospital outside your home or workplace.

In addition to this, we recommend that you take out a supplementary outpatient insurance plan tailored specifically to your needs. There are plans that cover orthodontics, alternative medicine, glasses and contact lenses, for example.

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