Good news for a large majority of Sanitas and Compact customers: your basic insurance premiums will remain stable in 2020.
Changes for basic insurance in 2020?
There’s good news for around 80% of Sanitas customers and 66% of Compact customers: your basic insurance premiums will remain the same.
In terms of premium adjustments, Sanitas will therefore be below the market average in 2020, Compact slightly above. Across all Swiss health insurers, the average premium increase in 2020 will be 0.2% on the average premium.
Your specific premium is determined on the basis of your place of residence, age group, selected insurance model, deductible and inclusion/exclusion of accident cover. You’ll find your premium in the policy document which you will receive in October.
||Discount per year
|CHF 500.–||max. CHF 140.–|
|CHF 1000.–||max. CHF 490.–|
|CHF 1500.–||max. CHF 840.–|
|CHF 2000.–||max. CHF 1190.–|
|CHF 2500.–||max. CHF 1540.–|
Choosing a higher deductible automatically lowers your monthly premiums, enabling you to save more than CHF 1,500 a year. This option makes most sense if you rarely go to the doctor or normally use the Medgate medical hotline. Bear in mind that you have to be able to cover costs up to the amount stipulated in your deductible plus the maximum copayment of CHF 700.
Changes for supplementary insurance in 2020?
Premiums for most of our customers will remain the same or change only slightly. For supplementary insurance, the situation depends on the chosen product line or plan.
The following supplementary insurance plans for the current sales lines remain stable in 2020:
There are changes for the following supplementary insurance plans:
Framework agreement discounts
Companies, organisations and professional associations benefit from special terms when they conclude a framework agreement for group health insurance. Sanitas is legally bound to conduct an annual review of these discounts and adjust or cancel contracts as necessary, for example if the number of insureds is too low. You’ll see in your policy, which you will receive in October, whether you are still insured under a framework agreement and continue to benefit from special terms. In any case, you are still insured with Sanitas and your insurance cover remains the same.