Healthcare costs can put a strain on the household budget, especially for families. The following tips can help you save money on your premiums - and find additional ways of getting a discount.
There are a number of ways to do so. You just have to find the best solution for you. And it’s not just premiums where you can save money. We offer our customers a host of other benefits and discounts. You’ll find all our money-saving tips here.
All the basic insurance models offer the same benefits. The only difference between the alternative models is who you can contact when you need medical advice. Depending on the model you choose, you can benefit from a range of discounts on your premiums compared with the standard Basic insurance:
Your deductible is the share you pay towards treatment costs. It always applies for a calendar year. If you increase your deductible for basic insurance, you can save up to CHF 1,540 a year. For example, with a deductible of CHF 1,000 you pay the first CHF 1,000 for medical treatment yourself. Important! Only increase your deductible if you rarely go the to doctor. Bear in mind that you have to cover the costs of any treatment up to the amount of your deductible plus a copayment of CHF 700.
Good to know: You can change the deductible yourself in the customer portal.
Families receive a discount on their children’s basic insurance premiums.
Supplementary insurance plans
Family supplementary insurance
Every child who has basic insurance plus Family supplementary insurance with Sanitas receives:
When can you exclude accident cover? If you work eight hours or more for the same employer, you are automatically insured against occupational and non-occupational accidents through your employer.
When you buy generics you usually have a
What is a generic?
A generic contains the same active ingredients in the same dosage as the original drug. As the development costs for generics are low, these products are available more cheaply than original drugs. With a few exceptions for medical reasons, original drugs can be substituted for generics.
Find out whether there’s a lower-cost generic available for your drug:
Good to know: The generic drug finder is also available in the Sanitas Portal app. You can download the app free of charge:
Thanks to our partnership with the Zur Rose and MediService online pharmacies, you can take advantage of numerous benefits. You don’t have to worry about the billing, because the pharmacies settle invoices directly with Sanitas.
If you do military service, civil service or civil defence for more than 60 consecutive days, you can suspend your basic insurance. This means your insurance is paused for a specified period and you don’t pay a premium.
You have to do military service?
You can use this form to send in your marching orders or notification of civil service/civil defence. Important: remember to send us your application for suspension at least eight weeks before taking up your duties.
Suspend supplementary insurance plans
You can also suspend your supplementary insurance plans and save 70% on your premium. You can also suspend supplementary insurance plans during longer stays abroad. Once you suspend your insurance, you’re no longer entitled to claim benefits.
0844 150 150 – Monday to Friday, 8 am to 5 pm
Premiums are usually paid monthly. However, you can also pay your premiums for a year or six months in advance. For paying a year in advance you receive a discount of 1% and for six months 0.5%.
Sanitas offers group insurance plans for companies, associations and clubs. Customers insured under group plans benefit from premium discounts on our supplementary insurance plans. Ask your employer, association or sports club if they have a partnership with Sanitas. If they do, you and your family are entitled to group health insurance with a discount on your premiums.