Of legal age? Yes.
Full adult premium? No.
From age 18, many things change – your health insurance, too.
Coming of age means more freedom – and also changes to your health insurance. We’re here to help.
Key benefits for young adults
What changes for basic insurance?
These contractual conditions change when you turn 18.
01
Premium increase
When you come of age, the premium for your basic insurance increases, because you’re no longer considered a child. This is the case with all health insurers. The first premium increase takes place after your 18th birthday, on 1 January of the next calendar year. So, if you turn 18 on 20 August 2025, you will pay the higher premium from 1 January 2026. The good news is that you still benefit from the young adult discount until you turn 26.
02
New minimum deductible: from CHF 0 to CHF 300
From age 18, the minimum annual deductible is CHF 300. The deductible is the amount you pay per year, e.g. when you have to see a doctor. You can choose the deductible yourself.
03
Maximum copayment increases
The maximum copayment for children is CHF 350; for adults it is max. CHF 700 per year. The copayment is the cost share insureds pay towards their medical treatments.
04
Leaving the family policy: your own contract
Children are usually insured under their parents' contract. You or your parents can ask that you be removed from the family policy and given your own insurance contract – at the latest when you move out of your parents' house.
05
Your own flat? Report a change of address
When you move out of your parents' house, you get your own insurance contract. This means you are no longer included in the family policy. We will send you an amended quote as soon as you’ve notified us of your change of address.
06
Paying invoices
Up to the end of the month in which the young adult turns 18, their parents are responsible for paying their health insurance bills. Even after that, young adults are not liable for bills dating back to before their 18th birthday. However, from the month following their 18th birthday, the young adult is responsible for paying their own health insurance bills. If all invoices for the period from the 1st of the month following their 18th birthday are paid on time, the insured person may switch health insurer subject to the valid period of notice.
What changes for supplementary insurance?
If you are included in your parents’ Family supplementary insurance plan, you will be transferred to the Jump supplementary insurance plan when you turn 20. Jump is the supplementary insurance plan for young adults aged between 19 and 25. Alternatively, you can also choose the Vital Smart solution.
Sign up for the Sanitas Portal
As soon as you no longer live with your parents and have your own policy, you can sign up for the Sanitas Portal.
How to save money from the start
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Opt for an alternative basic insurance model
We offer various basic insurance models – the family doctor, telemedicine or network models, for example. Depending on the model, you can make big savings compared to the standard model with free choice of doctors. Our premium calculator gives you the best overview of the price differences.
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Increase your deductible
With a higher deductible, you pay lower premiums. Consider whether you could cover higher costs in case of illness. This option may be worthwhile if you rarely claim medical benefits.
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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 will then suspend your current health insurance temporarily.
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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. This saves money.
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Check 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.
Have you planned a stay abroad?
Whether you’re studying abroad or backpacking through South-east Asia − what you need to know about your insurance.
If you’re still registered in Switzerland, you are subject to the compulsory basic insurance requirement. It is advisable to take out additional travel health insurance. If you’re planning on staying away longer and deregistering from Switzerland, the same conditions apply as for emigration.
Your own four walls
You’re moving out into your own four walls or a shared flat? This changes things with regard to your health insurance.
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Own policy
When you move out of your parents' house, you get your own insurance contract. This is because, when you move out, you’re no longer included in the family policy. You receive an amended quote as soon as you let us know your new address.
When you move house, your premium region may change. This can affect the amount of your health insurance premium.
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Change address
As soon as you move out, you can sign up for the Sanitas Portal and change your address there yourself.
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Help with moving
You have a lot to organise both before and after the move. You’ll find handy tips and useful information on these websites:
Thought of everything?
Other important links.