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How to save money on your health insurance premium

How to save money on your health insurance premium

Sanitas offers perfect cover combined with opportunities to save money on top. Here you’ll find our top tips and money-saving tricks on how to reduce your premium and take advantage of discounts and special offers.

Increase your deductible and save up to CHF 1,000: Choosing a higher deductible automatically lowers your monthly premiums, enabling you to save up to CHF 1,000 a year! This option makes most sense if you rarely go to the doctor and have enough money put aside to cover the amount of your deductible in an emergency.


Choose an alternative insurance model and save up to 15%:  

You can lower your premiums by up to 15% with one of our four alternative insurance­ models. These include our two telemedical models Compact One and CallMed, where you seek initial clarification and advice from our partner Medgate if you have problems with your health.

Under the CareMed and NetMed alternative family doctor models you specify a family doctor or group practice and undertake to always go to them first for medical care.

Call the Contact Centre for advice on 0800 22 88 44

Get family cover to qualify for discount:

You get a 75% reduction on your first child’s basic insurance premium, and 80% for every additional child. Our Family supplementary insurance plan also pays families a loyalty bonus of CHF 50 a year, provided they also have basic insurance with Sanitas. The Family and Classic plans, and the Hospital Standard Liberty hospital insurance are free for the third child onwards.

Income-based help with your premium: Find out whether you’re eligible for a reduction in premiums on the basis of your income.

Exclude accident cover: If you work at least 8 hours a week for the same employer, you are already insured for occupational and non-occupational accidents.  If this applies to you, you can reduce your premium by 6.5% by excluding accident cover from your insurance.

Lower-cost group insurance: Thanks to partnerships with various employers and associations, Sanitas is able to offer you and members of your family attractive supplementary insurance premiums. To find out whether your employer has a group plan with Sanitas, please check your intranet (for example the fringe benefits site) or contact your HR department.

Discounts for paying your premiums in advance: Sanitas gives you a 1% discount for paying your premiums annually, 0.5% for paying every six months.

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