Switzerland has one of the best healthcare systems in the world, but this first-class care comes at a cost. Find out here why premiums are rising and how we can work together to save money on health insurance.
In the case of basic insurance, premiums are based
on the cost of claims of all our customers. This means that premiums in a region or canton increase the higher the costs incurred there for visits to the doctor, hospital stays or medication.
These factors drive up premiums:
The increasing healthcare costs are causing premiums to rise. That’s why we offer a number of offers and measures to help keep costs under control. These include digital offers that provide rapid help in the event of illness and avoid unnecessary visits to the doctor or incorrect treatment. In addition, we offer preventive services to help you maintain a healthy lifestyle because prevention is always better than cure – from a financial perspective, too.
How we’re reducing health costs:
Through regular invoice checks to identify unjustifiably high or uninsured benefits
By holding regular tariff negotiations with healthcare providers (e.g. hospitals)
If you work at least eight hours a week for the same company, you are insured for occupational and non-occupational accidents through your employer. In this case, you can exclude accident cover from your basic insurance – and thus reduce your premium by 6.9%. You can manage your settings quickly and easily in the Sanitas Portal.
Under basic insurance, health insurers offer different insurance models – they only differ in terms of whom you have to contact first in case of health queries. With Sanitas, depending on the model you choose, you benefit from a range of discounts on your premium compared to the standard Basic insurance model. Our premium calculator will help you find the lowest-cost offer in just a few clicks.
Our award-winning 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. Or use the Symptom Check to seek initial medical advice. If you need to see a doctor, you can find out who to contact directly in the app (under your basic insurance) or use the handy search functions to find the right hospital, therapist or specialist. 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.
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 quickly and easily in the Sanitas Portal.
Important: only increase your deductible if you rarely go to the doctor. Bear in
mind that you have to cover the costs of any treatment up to the amount of your
deductible plus the maximum copayment of CHF 700.
With a deductible of CHF 1,000, you pay the first CHF 1,000 for medical treatment yourself. Once your deductible has been applied, the copayment comes into effect. From then on, you cover 10% of your treatment costs, but no more than CHF 700, and the remaining costs are borne by Sanitas. This video explains the deductible and copayment in detail.
||Max. savings potential per year|
|CHF 100||CHF 70|
|CHF 200||CHF 140|
|CHF 300||CHF 210|
|CHF 400||CHF 280|
|CHF 500||CHF 350|
|CHF 600||CHF 420|
||Max. savings potential per year|
|CHF 300 (Standard)|
|CHF 500||CHF 140|
|CHF 1000||CHF 490|
|CHF 1500||CHF 840|
|CHF 2000||CHF 1190|
|CHF 2500||CHF 1540|
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 don’t have to be developed completely from scratch, they are less expensive than original drugs. You can find an article on this topic in the Sanitas online magazine.
Order your medicines online and have them delivered to your door free of charge. Thanks to our partnership with the Zur Rose and MediService mail order pharmacies, you can take advantage of numerous benefits. This saves you time and money. You don’t have to worry about the billing because the pharmacies settle invoices directly with Sanitas.
If you’re unsure whether you actually need to see a doctor, our partner Medgate provides free medical advice around-the-clock. This helps you to avoid expensive emergency costs, particularly at night or at the weekend. Contact the Medgate telemedicine team for an initial assessment or a second medical opinion by calling 0844 124 365 or using the Sanitas Medgate app.
When you change doctors or are referred to a specialist, you may have to undergo duplicate or unnecessary examinations, such as X-rays of the same joint taken in quick succession by different doctors. Remember: these images – be they X-rays, MRIs or CT scans – and in fact the results of all examinations (e.g. lab values), belong to you. Ask for them and take them with you to your next doctor’s appointment. This saves you time and money.
The Health area of the Sanitas Portal app offers many services to help you live a healthy life. Earn rewards for exercise, do something good for your heart or improve your sleep. The mental health guide also offers attractive discounts on selected coaching sessions. If you have any questions, our health advisors will be happy to help via chat or by phone on 058 344 51 00.
People on low incomes may be entitled to a premium subsidy. Up to a certain limit of income and assets, the social security authority (SVA) of your canton of residence will pay part of your health insurance premiums. How high the premium subsidy is and who receives it depends on the canton you live in. Contact the Federal Office of Public Health (FOPH) to find out which office is responsible for premium subsidies in your canton of residence. Don’t miss the relevant deadlines for applying for a premium subsidy.
If you do military service, civil service or civil defence for more than 60 consecutive days, you can suspend basic insurance with your health insurer. 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.
In certain cases, you can also suspend your supplementary insurance and save 70% on your premium – for example if you move your place of residence abroad, stay abroad for longer than three months or do military training for more than 60 days.
Important: once you’ve suspended your insurance, you're no longer able to claim
benefits. If you have any questions, give us a call on 0844 150 150.
Premium, deductible and copayment
At the start of the year, we send you a statement for your tax return. This statement lists the premiums paid and the costs borne by you in the previous year. You can enter the total amount on your tax return, which can have a positive effect on your tax bill.
Additional health costs
If your health costs are very high (more than 5% of your net income), you can also claim a deduction on your tax return in almost all cantons. For example: dental costs, operations, care costs such as Spitex, vaccinations, treatment by doctors or natural health practitioners, prescribed medication.
You must be able to prove the relevant costs.