Insurance Basic insurance Free choice of doctors Family doctor model HMO model Telemedicine Supplementary hospital insurance plans Hospital private Hospital semiprivate Hospital general Hospital accident private Hospital accident semiprivate Supplementary insurance Jump Classic Family Easy Medical Private Dental Salary Capital Travel & Guest Care What costs does Sanitas cover? Alternative medicine Vision aids | Glasses & contact lenses Cover abroad Fitness | Prevention Medicines/drugs Incapacity to work Money-saving tips Money-saving tips Life events Starting a family Planning a family Pregnancy Baby Maternity services Coming of age Jump in premiums: why? Your own flat My first job Stay abroad Military service Immigrating and emigrating New to Switzerland Cross-border commuters Moving abroad Support in everyday life Health coaching Fall prevention in old age In the event of illness and accident Contact & help Contact Give us a call Send us a message Where to find us Customer portal & apps Sanitas customer portal Sanitas Portal app Sanitas Active app Sanitas Medgate app Documents & downloads Brochures and product sheets General terms of insurance Supplementary terms Lists Forms for insureds Forms for healthcare providers Search engines Doctor locator Therapist search for alternative medicine Generic drug finder Good to know News Information Shop & partner offers Sanitas Shop Mail order pharmacy Movu Health offers Switching to Sanitas
4655.jpg

Your own four walls

Your own flat

You’re moving out into your own four walls or a shared flat? Hello freedom! It’s the start of a new phase in your life. Do you know why your policy changes when you move out and why there are premium regions? Find out here.

In Europe, the age at which young people move out varies greatly. In Switzerland young people are usually around 24/25 years of age. Young people in Sweden move out of the family home the earliest, with the average age being 19. Croatians take longest to flee the nest, with men being 33 and women up to 27 before they move out permanently.

Your own policy

Now you’re moving out, you’ll get your own insurance contract. When you’re not registered at the same residential address as your parents, you’re no longer included in the family policy.

We’ll send you an amended quote as soon as you’ve notified us of your change of address. Use this opportunity to check whether you’re still happy with your insurance cover.

The 3 Ps: preparation, preparation, preparation

You have a lot to organise both before and after the move. You’ll find handy tips and useful information on these websites:

Change your address yourself in the customer portal

In the Sanitas customer portal you can change your address yourself. As soon as you live alone and have your own policy, you can sign up to the customer portal.

New home, new premium

When you move, your premium may not follow. It could be higher or lower, depending on the premium region you’ve moved to. There are currently 42 premium regions in Switzerland. Every canton has at least one region and a maximum of three. In rare cases, the premium region may change even if you only move across the road.

Why are there premium regions?

Premium regions are designed to offset varying healthcare costs within a canton. They are defined by the Federal Department of Home Affairs (EDI) based on the following criteria:
 

  • Amount of healthcare costs in a region
  • Density of doctors, hospitals and nursing homes in a region
     

Generally speaking, premiums tend to be higher in cities than in rural areas. However, premiums may only differ by a maximum of 15% between region 1 and 2 and by a maximum of 10% between region 2 and 3. This is also specified by the EDI.

Draw up a budget

According to statistics published by Caritas, young people aged between 16 and 25 are more likely to get into debt. This is not surprising, because when you move out of your parents’ house you’re suddenly faced with a lot more bills. How far will your savings and wages stretch in your quest for independence? Get an overview of your finances and draw up a budget. This is the only way to know what you can afford and what you can’t.

A rule of thumb states that a household should spend around a quarter and not more than a third of its gross monthly income on rent and utility bills. However, rent is only one of many items in a household’s budget. You’re now also responsible for bills that your parents used to pay: internet, electricity, television licence, health insurance, personal liability insurance, food, cleaning products, clothes, haircuts, etc., not to mention the furniture and other items you’ll need for your new flat.

Drawing up a budget quickly and easily

There are a whole range of resources which can help you draw up a budget in next to no time. This way you have your expenses under control and don’t spend money that you don’t have.

MED_SEN_zuegeln_SANITAS_07180_D3S6513.jpg
Bye bye Hotel Mum
I’m moving out What do I need to know?
1072.jpg
How to save money
Save money on your premiums and benefit from a range of discounts