Here you’ll find the latest information on our insurance premiums. We’re happy to help if you have any questions on your individual premium situation.
Premium adjustments will be required in 2024. These will vary by region and product, depending on the cost of claims within each premium region. There are good reasons why health insurance premiums increase year on year, such as medical advances involving expensive treatments, increasing life expectancy as well as the extension of benefits under basic insurance. In 2024, the corresponding costs and therefore the premium adjustments are generally somewhat higher than in recent years.
Sanitas also has to increase its premiums in 2024. At an average of 7.9% of the monthly premium for basic insurance, the increase is 1% below the average Swiss-wide increase of 8.7%.
We would be glad to support you with our tailored services, money-saving tips and a personal consultation so that we can optimise your premium situation together. As your trusted health partner, we live by the central principle: we're at your service. Above all in matters like these.
You’ll receive detailed information on your individual premium situation in October.
Has your basic insurance premium gone up more than the general trend this year? In addition to the premium adjustments, this is either due to your age or where you live because the cost of claims can vary greatly from one region to the next. Health costs tend to be higher in urban areas than in the countryside and higher in French-speaking Switzerland than in German-speaking Switzerland. Supply also influences demand: the more doctors, hospitals and therapists there are offering services in a region, the higher the healthcare costs will be. The following illustrations show which factors influence your basic insurance premium:
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.
Insurance model
With an alternative insurance model for your basic insurance, you benefit from discounts and a central point of contact for health queries – for example your long-standing family doctor or the telemedicine centre.
Elective deductible
By choosing a higher deductible, you can save money on premiums. However, 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.
Do you work more than 8 hours a week for the same employer? In this case, you do not need accident cover under basic insurance because you are covered for accident through your employer: infographic
All the basic insurance models offer the same benefits. By choosing insurance, you can easily decide who you want to contact first in case of health queries. 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:
Premiums for supplementary insurance will largely remain stable or even fall in price, depending on the product line or the specific product in question. There’s good news for customers with the Medical Private, Medical Private SCPC, Hospital Top Liberty and non-listed hospital supplementary insurance plans. In the case of these plans, customers will receive a discounted or lower premium in 2024. The premiums for all other supplementary hospital insurance plans will remain stable.
The premiums of these popular Sanitas supplementary and supplementary hospital insurance plans will remain stable in 2024 (the list is not exhaustive):
| Family, Classic, Jump |
| Easy |
| Dental Basic |
| Planning a family |
| Hospital Standard Liberty, Hospital Extra Liberty, Hospital Upgrade, Hospital Day Comfort and other supplementary hospital insurance plans |
Customers with the following supplementary insurance plans will benefit from a discounted or lower monthly premium (the list is not exhaustive):
| Medical Private | Discount of 5% (unchanged) |
| Hospital Top Liberty |
Discount of 8% (unchanged) |
| Non-listed hospitals |
Discount of 15% |
| Medical Private SCPC | Reduction of 50% |
| Introduction of a combination discount of 64% |
| Dental, with certain supplementary outpatient plans for children |
The monthly premium will increase for the following supplementary insurance plans (the list is not exhaustive):
| Dental, without a supplementary outpatient plan for children |
18.4% (approx. CHF 5.50) |
| Dental with Family for children |
11.4% (approx. CHF 1) |
| Corporate Alternative Care | By an average of 8%, depending on age group |
| Wincare dental treatment |
9.5% |