Key points at a glance

You will receive your new premium invoice at the start of December 2026.

In addition to rising healthcare costs, your age can also affect your premiums. For basic insurance, two age group transfers (at age 19 and 26) are prescribed by law. For supplementary insurance, age group transfers are customary every 5 years with many health insurers.

Increasing health costs are causing premiums to rise. That’s why we offer a number of offers and measures to help keep healthcare 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. We also offer preventive services to support a healthy lifestyle. After all, prevention is always better than cure – from a financial perspective too.

Find out more here.

It’s true that basic insurance premiums for Sanitas and other health insurers can differ. The reason for this is that insurance companies have to calculate premiums independently of each other. This is prescribed by law and monitored by the supervisory authority, the Federal Office of Public Health.

Premiums primarily reflect a health insurer’s cost of claims (e.g. doctor and hospital invoices). Each health insurer has to calculate the premiums for each premium region. The premiums must cover the costs arising from the insured persons in each premium region. As costs per region and per insurance company differ depending on the customer base, this can lead to different premiums.

The premium subsidy or health insurance subsidy provides financial support for basic insurance premiums. It helps people whose annual income and assets fall below a specific threshold. The federal government provides the cantons with funds for these premium subsidies.

In most cantons, subsidies are granted automatically based on the tax assessment. However, in some cantons you have to submit an application to the responsible authority. In most cases, applications must be received by a specific deadline. We recommend that you get in touch with the responsible authority in your canton or municipality of residence in good time to discuss the procedure.

You can find a list of the relevant cantonal authorities here. 

Individuals, married couples and families whose annual income and assets fall below a specific threshold are entitled to a premium subsidy. Eligibility is regulated by the cantons. In many cantons, eligible individuals are informed directly, while in some cantons, they must submit an application.

We recommend that you get in touch with the authority in your canton or municipality of residence to discuss the procedure. You can find a list of the relevant cantonal authorities here.

No. You have to terminate your health insurance in writing. All health insurers accept notice of termination by post. Some insurers – including Sanitas – also accept notice of termination by email. Please contact your current health insurer for more information. In all cases, all persons of legal age affected have to sign the relevant notice of termination. Important: Only terminate your supplementary insurance once you have received confirmation of admission from your new health insurer.

Termination form for basic insurance

Termination form for supplementary insurance

Terminating your Sanitas insurance

Yes. You can take out and terminate basic insurance plans independently of supplementary insurance. Simply note your wish on the termination letter to your health insurance company.

Your insurance card will be sent to you by post. It can take up to six weeks for your card to arrive. If you need your insurance card to buy medicines or receive medical treatment in the meantime, you can give your customer number to your doctor, therapist or pharmacist.

Tip: you always have your insurance card to hand with the Sanitas Portal.

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In Switzerland, there is an environmental levy on climate-damaging CO2 emissions (CO2 levy) and another on environmentally harmful components in solvents (VOC levy). These levies aim to encourage more economical use of harmful substances, which benefits the climate and our health. Some of the environmental levies are redistributed to the population via health insurance. This approach was chosen to keep administrative costs low. Another portion of the revenue from CO2 levies is specifically invested in climate protection projects.

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