Health insurance
Comparison of basic insurance — financially and according to your needs, with an unbureaucratic switch.
Why this matters
Basic insurance provides exactly the same benefits at every insurer – the law prescribes it. Yet two neighbours in the same village often pay several hundred francs a year apart for identical benefits, simply because one of them never compared. And if you run a deductible that doesn’t match your health, you give away even more money: too low a deductible as a healthy person, too high a one with regular treatments. That money is missing year after year, without you getting anything more in return.
Basic insurance is compulsory for everyone resident in Switzerland – anyone moving in or having a child must complete registration within three months. The premium depends on insurer, region of residence, model and deductible; adults choose a deductible between 300 and 2,500 francs. A switch for the new year is possible whenever the cancellation reaches your current insurer in time in November. A look at the premium pays off especially for families with several children and for anyone whose insurer has raised prices above average.
What you get out of it
You won't pay a single franc more than necessary — we compare all health insurers, not just one.
We handle the entire switch: cancellation, registration, deadlines.
One contact person for all your questions — instead of the insurer's hold music.
What we take care of for you
- Annual premium comparison across all health insurers and models (family doctor, HMO, Telmed)
- Checking that your deductible (franchise) and accident cover fit your situation
- Cancellation on time and seamless registration with the new health insurer
- Support with premium subsidies in your canton of residence
The advice is free for you — we are remunerated by the insurance companies through brokerage commissions and will disclose these on request.
Tips from our consultations
What we tell our clients time and again – free of charge, even before the first meeting.
If you hardly ever see a doctor, you usually do best on the highest deductible; if you regularly need treatment or medication, on the lowest. The steps in between rarely pay off mathematically. Decide based on your actual health, not on wishful thinking.
Notice of cancellation of basic insurance must have reached the insurer by the end of November – the postmark is not enough. So send the letter by registered post and a few days early. Miss the deadline and you sit on the old premium for another year.
If you are employed and work at least eight hours a week for the same employer, you are insured against accidents through the business. You can then have the accident component excluded from your basic insurance and save premium every month. But if you lose your job or reduce your workload, the component must be reactivated immediately.
Family doctor, HMO and Telmed models lower the premium considerably – but require you to contact the agreed first point of call before anything else. Going straight to a specialist risks reduced benefits or exclusion from the model. Only choose a model whose rules you will genuinely keep to in everyday life.