premiums in 2026
Key points at a glance
Here you’ll find all the details on our premiums with useful background information and handy tips.
Premium situation in 2026
How are health insurance premiums changing in 2026?
Sanitas also has to increase its premiums in 2026 – by an average of 4.3% and are thus slightly below the market average. This development is mainly driven by rising healthcare costs (e.g. for visits to the doctor, treatments, medicines). However, the good news is that the premiums for most of our supplementary insurance plans remain stable.
Basic insurance is legally regulated in such a way that premiums have to cover healthcare costs. An increase in these costs benefits neither you nor us, which is why we take various measures to ensure greater stability. Our alternative models for basic insurance are just one example of our efforts in this regard. Regulated access (e.g. telemedicine or family doctor) has a positive effect on the development of healthcare costs and quality of treatment. In return, the discounts granted allow you to optimise your premium.
Basic insurance
Premium influenced by age and place of residence
Has your basic insurance premium gone up more than in previous years? This may be because of your age. There are three statutory age groups: Children (up to age 18), young adults (19 to 25) and adults (from age 26). Where you live also influences your premiums, because the cost of claims varies by region. The following graphics show which factors influence your basic insurance premium:
Premium region
Your health insurance premium is influenced, among other things, by the premium region in which you live. For example, healthcare costs tend to be higher in urban areas than in the countryside.
Insurance model
With an alternative insurance model for your basic insurance, you benefit from discounts and a central point of contact for health queries – for example your long-standing family doctor or the telemedicine centre.
Elective deductible
By choosing a higher deductible, you can save money on premiums. However, you also bear a greater financial risk in the event of illness.
Discounts for alternative insurance models
All the basic insurance models offer the same benefits. By choosing insurance, you can easily decide who you want to contact first in case of health queries. The greater the cost savings the model achieves by optimising treatment pathways, the higher the premium discount will be compared with the standard insurance model:
- Family Doctor (family doctor practice/HMO): Basic insurance with personal care from your family doctor practice
Discount of between 7% and 19% - MultiAccess (combi model): Basic insurance with flexible access to initial medical advice
Discount of between 9% and 13% - TelMed (CallMed): Basic insurance with medical advice around the clock
Discount of between 7% and 11% - TelMed (Compact One): Binding treatment plan after initial telemedicine consultation
Discount of between 10% and 21%
Supplementary insurance
Good news for many customers
Premiums for supplementary insurance plans remain largely stable. The actual adjustment depends on the product line or the specific insurance plan. The adjustments for the Medical Private supplementary insurance plan vary by region. Both reductions and increases are possible.
-
Premiums for supplementary insurance
The premiums of these popular Sanitas supplementary and supplementary hospital insurance plans will remain stable in 2026 (list not exhaustive):
Vital Easy Dental Basic Planning a Family Hospital Standard Liberty Hospital Extra Liberty Hospital Top Liberty Hospital Day Comfort Customers with the following supplementary insurance plans will continue to benefit from a discount on their monthly premium (list not exhaustive):
Medical Private 10% discount (unchanged) Hospital Top Liberty
15% discount (unchanged) Non-listed hospitals 15% discount (unchanged)
Corporate Hospital Top 10% discount (unchanged) The monthly premium will increase for these supplementary insurance plans (list not exhaustive):
Dental Premium increase of less than CHF 5 per month for children
SCPC Medical Private Increase of up to CHF 2.50 per month
Good to know
Information for your insurance
Deadlines and periods of notice
-
Change the deductible for basic insurance
- Your deductible can only be changed with effect 1 January of the following year.
- If you want to reduce your deductible, we must receive notification by 28 November 2025 (last working day in November).
- If you want to increase your deductible, we must receive notification by 30 December (last working day in December).
Tip: In the Sanitas Portal you have until 30 November to reduce your deductible and until 31 December to increase it.
- Your deductible can only be changed with effect 1 January of the following year.
-
Transfer to an alternative insurance model
If you want to switch from basic insurance with a free choice of doctor to an alternative insurance model (AIM), you can do so as of the beginning of a month. If you want to switch from one AIM to another, you can only do so effective as of 1 January of the following year. In this case, we must receive notification by 28 November 2025 (last working day in November).
You’ll find an overview of all our alternative insurance models here.
-
Terminating basic insurance
Change health insurer as of 1 January: Your current health insurer must receive your notice of termination by 28 November 2025 (last working day in November) at the latest.
Change health insurer as of 1 July: If you have an insurance model with your current provider with the lowest deductible (adults: CHF 300, children: CHF 0) and the standard model with free choice of doctor (not a family doctor, network or telemedicine model), you can switch health insurer with effect 1 July. Your current health insurer must receive your notice of termination by 31 March 2026 (last working day in March) at the latest.
-
Terminating supplementary insurance
You can take out and terminate supplementary insurance plans independently of basic insurance.
Deadlines for termination vary depending on the health insurer. Please check the deadlines with your current health insurance provider and only cancel your current supplementary insurance when you have received confirmation of acceptance from Sanitas.
This might also interest you
Over 850,000 satisfied customers
Frequently asked questions
-
When will I receive my first premium invoice for the new year?
You will receive your new premium invoice at the start of December 2025.
-
Why are my premiums suddenly higher?
In addition to rising healthcare costs, your age can also affect your premiums. For basic insurance, there are two age group jumps (age 19 and 26) that are prescribed by law. For supplementary insurance, age group transfers are customary every 5 years with many health insurers.
-
What is Sanitas doing against high premiums?
Increasing healthcare costs are causing premiums to rise. That’s why we provide 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. We also offer preventive services that help you lead a healthy lifestyle. After all, prevention is always better than cure – from a financial perspective too.
How we strive to keep healthcare costs down:
- With innovative services in the Sanitas Portal (e.g. Symptom Check, mental health guide, Sanitas Active)
- By publishing practical content on preventive care and health promotion in our online magazine
- By regularly checking invoices of healthcare providers (e.g. doctors, therapists, hospitals) to identify unjustifiably high or uninsured benefits
- By holding regular tariff negotiations with healthcare providers (e.g. hospitals)
- By referring cases to our case management team, which supports customers during difficult times for an optimal recovery process and ideal cost efficiency
- By establishing managed care contracts with telemedicine providers and networks of physicians
Why are premiums not the same for all health insurers?
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.
-
What is a premium subsidy and who pays it?
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 an amount for health insurance 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 responsible cantonal authorities here.
-
Who is entitled to a premium subsidy?
Individuals, couples and families whose annual income and assets fall below a specific threshold are entitled to a premium subsidy. The cantons regulate premium subsidies. Many cantons inform those entitled to a subsidy directly, while in others there is an obligation to apply.
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 responsible cantonal authorities here.
-
Can I terminate my health insurance by phone?
No. You have to terminate your health insurance in writing. All health insurers accept notice of termination by post. Some health insurers – including Sanitas – also accept notice of termination by email. Please contact your current health insurer for more information. In every case, the letter of termination must include the handwritten signature of all persons of legal age affected by the termination. Important: don’t terminate your current supplementary insurance until you have confirmation of admission to your new supplementary insurance plan.
Termination form for basic insurance
-
Can I just change my basic insurance and keep my supplementary insurance?
Yes. You can take out and terminate supplementary insurance plans independently of basic insurance. Simply note your wish on the termination letter to your health insurance company.
-
What do I have to bear in mind for my health insurance when I move house?
Why does the premium change after moving house? Do I have to provide notification of my change of address in writing? Can I still go to hospital in my previous place of residence? When you move house, there are a number of issues to clarify that will affect your health insurance or premium. You will find an overview of frequently asked questions and helpful answers here.
-
When will I receive my new insurance card?
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 the 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.
*Example of 7% discount: Adult premium for Family Doctor compared to Basic (Aargau, CHF 300 deductible, with accident cover)
Example of 21% discount: Adult premium for TelMed (Compact One) compared to Basic (Geneva, CHF 2,500 deductible, with accident cover)