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.
Sanitas offers a range of insurance models for basic insurance, all of which 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 premium compared to the standard Basic insurance model:
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.
|Deductibles||Savings potential per year|
|CHF 0 (standard)
|CHF 100||up to CHF 70|
|CHF 200||up to CHF 140|
|CHF 300||up to CHF 210|
|CHF 400||up to CHF 280|
|CHF 500||up to CHF 350|
|CHF 600||up to CHF 420|
|Deductibles||Savings potential per year|
|CHF 300 (standard)
|CHF 500||up to CHF 140|
|CHF 1,000||up to CHF 490|
|CHF 1,500||up to CHF 840|
|CHF 2,000||up to CHF 1,190|
||up to CHF 1,540|
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? When you work at least eight hours a week for the same company you are automatically insured against occupational and non-occupational accidents through your employer.
What is a generic?
A generic product contains the same active ingredients in the same dosage as the original drug and is therefore – with a few medically justified exceptions – a cost-effective, equivalent alternative. As generics do not have to be developed completely from scratch and the development costs are therefore low, these products are available more cheaply than original drugs. You can find an article on this in our Sanitas Online Magazine.
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.
The Sanitas Active app is a fun way to help you get more exercise. You can now earn virtual coins for running, swimming, cycling and taking part in fitness or yoga classes. The coins you collect can be redeemed for vouchers to spend in the online shops of our partners.
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. For the duration of your military or civil service, you are insured for accident and illness and any associated economic consequences under military insurance.
You have to do military service?
You can use this template to submit your marching order or notification of the start of civil service/civil defence.
Important: Send us your application to suspend your insurance at least eight weeks before starting your service.
Suspend supplementary insurance
You can also suspend your supplementary insurance plans and save 70% on your premium. You can also suspend your supplementary insurance plans if you’re planning a longer stay abroad.
Important: Once you’ve suspended your insurance, you're no longer able 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 has framework agreements with companies and associations. Customers insured under framework agreements benefit from attractive preferential terms. Ask your employer or association if they have a partnership with Sanitas. If they do, you and your family are entitled to preferential terms under the framework agreement.