In 2022 premiums vary depending on the premium region and plan. You will find the most important changes here.
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:
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.
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.
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.
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:
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|
||up to CHF 1,540|
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.
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:
There are changes for the following supplementary insurance plans (list not exhaustive):