Insurance Basic insurance Free choice of doctors Family doctor model HMO model Telemedicine Network model Supplementary hospital insurance plans Hospital private Hospital semiprivate Hospital general Hospital accident private Hospital accident semiprivate Supplementary insurance Jump Classic Family Dental insurances Travel insurance Planning a Family Medical Private Salary Capital What costs does Sanitas cover? Alternative medicine Vision aids | Glasses & contact lenses Cover abroad Fitness & prevention Medicines/drugs Incapacity to work Money-saving tips Save money on health insurance premiums Life events Starting a family Planning a family Pregnancy Baby Maternity services Coming of age Jump in premiums: why? Your own flat My first job Stay abroad Military service Immigrating and emigrating New to Switzerland Cross-border commuters Moving abroad Support in everyday life Fall prevention in old age Support in the event of illness and accident High blood pressure Type 2 diabetes Sleep disorder Contact & help Contact Give us a call Send us a message Where to find us Book an appointment Customer portal & apps Sanitas customer portal Sanitas Portal app Sanitas Active app Sanitas Medgate app Sanitas Coach App Documents & downloads Brochures and product sheets General terms of insurance Supplementary terms Lists Forms for insureds Forms for healthcare providers Search engines Doctor locator Therapist search for alternative medicine Generic drug finder Good to know Switching health insurer FAQ Coronavirus information Information Important for you 2022 Dictionary Offers Online pharmacies Health offers Switching to Sanitas

Apportionment simply explained – guarantee for insureds

With health insurance, the income of one year must cover the expenditure of the same year. This system is known as apportionment. 

Definition of the apportionment procedure: What is apportionment?

The apportionment procedure means that health insurance companies have to cover their costs in a year using the annual premiums of the same year.

What does the apportionment procedure mean for insurers?

Health insurance companies have to set their premiums for the year ahead so that they cover the expected cost of claims.

What does the apportionment procedure mean for insureds?

The apportionment procedure guarantees that insureds will have their health costs reimbursed by the health insurer as part of their insurance contract.

Where else is the apportionment procedure used?

The apportionment procedure is also used for the old-age and survivors’ insurance (AHV/AVS) and unemployment insurance (ALV).