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Sanitas premium information 2022

In 2022 premiums vary depending on the premium region and plan. You will find the most important changes here.

Changes for basic insurance in 2022

There’s good news for around 85% of Sanitas customers, with premiums for basic insurance increasing by no more than CHF 10 per month.

There’s good news for young adults, too: 19 to 25-year-olds continue to benefit from attractive premium discounts.

Please note that numerous factors can affect your premium:

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Premium region

Your health insurance premium is influenced, among other things, by the premium region in which you live. The Federal Department of Home Affairs (EDI) defines which municipality belongs to which premium region.

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Insurance model

If you choose an alternative insurance model for your basic insurance, you benefit from discounts and a central point of contact for health queries. The discount varies depending on the model you choose.

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Elective deductible

By choosing a higher deductible than the standard one, you can save money on premiums, but you also bear a greater financial risk in case of illness. A deductible of CHF 0 is available for children up to 18 years of age.

It’s worth checking whether you need to add accident cover. If you work for more than eight hours a week with the same employer, you are covered by mandatory accident insurance pursuant to UVG/LAA. In this case, you do not need accident cover under basic insurance, because you are covered for accident through your employer.

You will find your premium in the policy document that you receive in October.

Discounts for alternative insurance models

There are various basic insurance models that offer the same benefits. You only need to decide who you want to contact first when you have a medical query. The greater the cost savings the model achieves by optimising treatment pathways, the higher the premium discount will be compared with the standard insurance model:

 

  • Network model Medbase MultiAccess: Discount of between 13% and 20%
  • HMO model NetMed: Discount of between 8% and 17%
  • Telemedicine model CallMed: Discout of between 9% and 23%
  • Family doctor model CareMed: Discount of between 7% and 10%
  • Telemedicine model Compact One: Discount of between 6% and 28%

Save money with an elective deductible

Sanitas offers the maximum possible discounts for deductibles. Choosing a higher deductible automatically lowers your monthly premium, enabling you to save more than CHF 1,500 a year. This option makes most sense if you rarely go to the doctor or mainly use the Medgate medical hotline. Bear in mind that you have to be able to cover costs up to the amount of your deductible plus the maximum copayment of CHF 700.

You can adjust your deductible quickly and easily in the customer portal. You can see instantly how your premium changes with a higher deductible.

Deductibles Savings potential per year
CHF 0 (standard)
 
CHF 100 up to CHF 70
CHF 200 up to CHF 140
CHF 300 up to CHF 210
CHF 400 up to CHF 280
CHF 500 up to CHF 350
CHF 600 up to CHF 420
Deductibles Savings potential per year
CHF 300 (standard)
 
CHF 500 up to CHF 140
CHF 1,000 up to CHF 490
CHF 1,500 up to CHF 840
CHF 2,000 up to CHF 1,190
CHF 2,500
up to CHF 1,540

Different NetMed discounts

As of 1 January 2021, Sanitas offers three discount variants for the NetMed basic insurance model. Sanitas wants its customers to be able to participate more transparently in the cost savings generated by the different networks of physicians. You benefit from different discounts depending on the family doctor or practice you choose.

The handy doctor locator shows you quickly and easily which discount variant your medical contact is assigned to.

Your family doctor or practice is affiliated with a network of physicians. The networks of physicians and Sanitas have concluded contracts designed to boost the quality of medical care and cut costs. These cost savings are achieved by optimising treatment pathways and coordination, and they influence the premium discount. Sanitas calculates these discounts each year based on the cost savings achieved by the networks of physicians. To assign the networks of physicians to a specific discount variant, the costs savings of the previous year are taken into account. In other words, each network of physicians is assigned to a discount variant based on the cost savings it has achieved.

If you’d like a higher discount on your NetMed family doctor model, you have the following option: Choose a family doctor assigned to a higher discount variant. You can check which discount variant a practice is assigned to at sanitas.com/doctorlocator.

However, if you want to remain with your family doctor, the specified discount for 2022 is final and cannot be changed.

Changes to supplementary insurance in 2022?

Premiums for most of our customers will remain the same or change only slightly. For supplementary insurance, the situation depends on your chosen product line or plan.

The premiums of these popular Sanitas supplementary and hospital insurance plans from the current product lines remain stable in 2022:

  • Family, Classic and Jump
  • Hospital Top Liberty, Extra Liberty as well as Standard Liberty and Hospital Upgrade
  • Dental Basic
  • Planning a Family
  • Medical Private
  • Easy

There are changes for the following supplementary insurance plans (list not exhaustive):

  • Dental: The premium has to be increased slightly for children. The average increase is CHF 1 per month.
  • Premiums will increase slightly for Sanitas semiprivate supplementary hospital insurance plans (Hospital Comfort, Hospital Comfort Liberty, Hospital Comfort Plus Economy / First / Luxury, with the exception of Hospital Extra Liberty) .
  • Premiums will increase for Sanitas private supplementary hospital insurance plans (Hirslanden Care, Hospital Private, Hospital Private Liberty, Hospital Royal Plus Economy / First / Luxury, but not Hospital Top Liberty).
  • Wincare Semiprivate Hospital: The premium increases in 2022 for this plan.
  • SCPC (s-care and h-care): Premium reductions for certain age groups for the Basic 2, Supplementary hospital Comfort, Supplementary hospital Private and Supplementary hospital Royal plans.
  • In the Allianz line, there are also tariff adjustments for the Combi medical expenses plans.