But also many ways to save money.
Health insurance age groups influence premiums
The cost of your health insurance premium depends on your age. Find out more and how you can save money.
Health insurance age groups
There are three age groups for premiums: children, young adults and adults. In the case of basic insurance, children insured with Sanitas benefit from a discount against the adult premium of between 74.7% and 77.5%. You’re no longer classed as a child when you turn 19, which is why this premium reduction no longer applies. However, you benefit from the discount for young adults. The adult tariff applies from the age of 26.
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First age group transfer – after your 18<sup>th</sup> birthday
Premium
Your premium is adjusted after your 18th birthday on 1 January of the next calendar year. Depending on your insurance solution, the child premium will switch to a young adult premium with a lower discount.
Deductible
The deductible is the amount you pay towards the cost of your medical treatments each year. The deductible for children ranges optionally between 0 and CHF 600. From the age of 19, you can choose a deductible of between CHF 300 and CHF 2,500. The higher the deductible, the lower the premium. The new deductible applies from 1 January of the calendar year after your 18th birthday.
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Second age group transfer – after your 25<sup>th</sup> birthday
Deductible
The deductible is the amount you pay towards the cost of your medical treatments each year. The deductible for children ranges optionally between 0 and CHF 600. From the age of 19, you can choose a deductible of between CHF 300 and CHF 2,500. The higher the deductible, the lower the premium. The new deductible applies from 1 January of the calendar year after your 18th birthday.
What does deductible or premium mean? You’ll find all the important health insurance terms in our Sanitas dictionary.
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Which annual deductible is right for me?
It makes sense to choose a high deductible for health insurance when your health costs tend to be low. The higher the deductible, the lower the premium. You can save money by choosing a high deductible, but if you go to the doctor and receive a high bill, you have to pay the deductible yourself until you reach your deductible, in addition to your copayment of CHF 700. The highest deductible is CHF 2,500. Consider carefully how much you could afford to pay in an emergency and choose a deductible that doesn’t exceed this amount.
Change your deductible
Change your deductible by 31 December for the following year. You can do so quickly and easily in the Sanitas Portal.
How to save money on your premiums
Sanitas offers you a number of ways to keep your costs under control.
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Opt for an alternative basic insurance model
We offer various basic insurance models. With a Telmed model, for example, you can make significant savings compared to the basic model with free choice of doctor. It’s best to compare the options to find the basic insurance that suits you.
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Choose the right deductible
Your deductible is the share you pay towards treatment costs and is calculated each calendar year. If you increase your deductible for basic insurance, you can save up to CHF 1,540 on your health insurance premium each year. Change your deductible by 31 December for the following year. You can do so quickly and easily in the Sanitas Portal.
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Check your entitlement to a premium subsidy
Depending on your income and assets, you may be entitled to state support with health insurance premiums. Ask your municipality or canton of residence about potential subsidies.
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Save money with the Sanitas Portal app
Our app offers great savings potential. Before you have an examination or treatment, you can use the Cover Check to find out whether the costs are covered under your Sanitas insurance plans. Our invoice translator helps you check your invoice after treatment. Did you really receive all the benefits listed there? This also helps you save money.
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Suspend your health insurance during military service
During your military or civilian service, your health insurance is covered by the Suva military insurance. Simply send us your marching orders as early as possible. We’ll then suspend your current health insurance for this period.
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Exclude accident cover
If you’re employed and already insured against accidents via your employer, you can exclude accident cover from your health insurance and thus save money.
Save money with an alternative basic insurance model
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Frequently asked questions
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By when do I have to terminate in order to switch my basic insurance?
You can terminate your basic insurance each year by 30 November or by the last working day in November. By law, customers can only switch to another insurer if they have paid all outstanding premiums and cost shares and have confirmation from the new insurer. If you choose a deductible of CHF 300, there’s an additional period of notice at the end of June. In this case, Sanitas must receive notice of termination by 31 March or the last working day in March. However, this only applies to the standard basic insurance model, not alternative insurance models. Parents are responsible for paying all invoices for treatment until the end of the month in which the child reaches legal age. After that, 18-year-olds are responsible for it themselves.
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By when do I have to terminate in order to switch my supplementary insurance?
Periods of notice vary for supplementary insurance plans. You will find binding information in the relevant general terms of insurance, the supplementary terms and in the special terms of the relevant insurance plan.
Tip: you don’t have to send your letter of termination by registered post, but it’s safer to do so because it’s important that the letter arrives in time.
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Where can I see my new premium?
Health insurers send out the new policies every year in October. Policy is another name for insurance contract. The policy shows which insurance plans you’ve taken out and how much they cost. The premium is the money you pay each month for the insurance you have taken out.