If you’ve already come of age, you may have noticed that your health insurance premium is suddenly much higher. It’s the same with all health insurers and depends on your age. There are two ages when your premiums increase significantly.
From child premium to young adult premium
At Sanitas, a family’s first child gets a 75% discount on the adult premium. The discount for a second child and any additional children is 80%. You’re no longer classed as a child when you turn 18, so your premium discount stops at this age. 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 either to a young adult premium with a lower discount or directly to an adult premium.
From child deductible to adult deductible
Deductibles for children range between 0 and CHF 500. When you come of age, the deductible switches to between CHF 300 and CHF 2,500. This means you or your parents previously contributed between 0 and CHF 500 per year towards the cost of your medical treatment. Now you can choose a deductible of between CHF 300 and CHF 2,500 per year. The new deductible applies from 1 January of the calendar year after your 18th birthday.
Despite the premium increase there’s good news: From 2019, young adults aged 19 to 25 receive a discount of up to 35% on the adult premium.
From young adult premium to adult premium
When you turn 25 you’re no longer classed as a young adult, so you lose your young-adult discount at this age. Now, at the latest, you’ll pay the standard adult premium. The new premium applies from 1 January of the calendar year after your 25th birthday. Your deductible remains the same.
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 total cost of all your health insurance costs per month.
You can now adjust your health insurance, for example by choosing a new basic insurance model or taking out a supplementary insurance plan. The new contract takes effect on 1 January of the next year.
The higher the
Child and adult deductibles
Children are usually insured under their parent’s contract. You or your parents can choose to transfer you from the family policy. In this case you receive your own insurance contract. With some supplementary insurance plans, there are special age-related requirements.
If you were previously insured under your parent’s Family supplementary insurance plan, you’ll be transferred to the Jump plan at age 20. Jump is the supplementary
If you receive your own policy before you turn 19, you’ll be transferred from Family to Classic. For example, if your parents switch you to your own policy earlier or if you want to have a separate policy. Classic is the supplementary
You can terminate basic insurance each year up to 30 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.
Periods of notice vary for supplementary insurance plans. You’ll find binding information in the relevant general terms of insurance, the supplementary terms and in the special terms of the relevant insurance plan.
Regardless of the deadline, Sanitas must receive notification by 30 September or the last working day of September.
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.
If you’re insured with another health insurer and want to switch to Sanitas, simply complete and send us the termination form. We’ll do the rest.
With a family policy, the