Health insurance comparison

Compulsory basic insurance

In Switzerland, it is compulsory to take out basic insurance. The term basic insurance refers to the basic insurance cover prescribed by the health insurance companies. All residents of Switzerland must have this.

This is why this type of insurance is also known as"compulsory basic insurance" or OKP. Insurance cover starts from the birth of a child. For this reason, parents should register their child before the birth. This means that the time between the birth and the visit to the authorities, which is hectic for many parents, is also included in the insurance cover.

If parents allow this period to elapse, protection cannot be claimed retroactively. The registration deadline is three months. People who are planning to move to Switzerland should also observe this deadline. Basic insurance is also compulsory for you.

The age groups of basic insurance

Compulsory basic insurance is divided into three age groups:

- Children up to 18 years
- Young adults from 19 to 25 years
- Adults aged 26 and over

The age groups determine the health insurance premiums. Children, for example, receive favorable premiums. This also applies to young adults up to the age of 25. However, health insurance companies are not obliged to reduce premiums for young adults. The principle of age groups does not apply to supplementary insurance.

The calculation of the premium

There is no specific procedure for calculating basic insurance. Rather, the premiums for basic insurance are calculated in relation to the costs of the previous year.

The level of costs and expenditure of the health insurance company therefore plays a decisive role in the calculation of premiums. The health insurance companies do not issue their own invoices, but the Federal Office of Public Health (FOPH) takes on this task.
This results in a new premium amount every year.

There are many possibilities

... to save on premiums. Of course, choosing the right health insurance company is the easiest way to save on premiums. This is only possible if you make a health insurance comparison. It is also advantageous to change your deductible.

This fixed amount, also known as the deductible, is the annual fixed amount that insured persons must pay towards the cost of treatment. It amounts to a minimum of CHF 300 and a maximum of CHF 2,500. There are many differences between health insurance companies.

Not all health insurance companies offer all options. To be on the safe side, it's worth comparing health insurance companies that match your own wishes.

There are many basic insurance models. All health insurance companies offer other options in addition to the standard model.

Free choice of doctor:

The free choice of which doctor you are treated by is part of the standard principle of basic insurance. This means that insured persons can consult the doctor of their choice in their canton. This applies not only to a treating doctor but also to a doctor specializing in a particular field.

The family doctor model:

If you are part of the GP model, you can't just consult any doctor. This means that you have to choose a doctor. This doctor monitors the treatment and decides on the subsequent treatment steps. In emergencies, patients are free to choose who they seek medical help from.

The HMO model

Das HMO-Modell gleicht dem Hausarztmodell. Der Unterschied ist, dass Patienten nicht an einen Hausarzt, sondern an einen HMO-Arzt gebunden sind. Hierbei arbeiten verschiedene Ärzte in einem HMO-Zentrum zusammen. Patienten können sich direkt an den HMO-Arzt wenden. Dieser koordiniert die weiteren Behandlungsschritte.

Falls erforderlich, werden Patienten an Spezialisten aus anderen Fachgebieten innerhalb sowie ausserhalb des HMO-Zentrums überwiesen. Dadurch lassen sich viele teure und unnötige Behandlungsschritte vermeiden. Versicherte profitieren ebenfalls davon und erhalten günstigere Prämien. Innerhalb des HMO-Gebietes genießen Patienten eine freie Arztwahl.

The telemedicine model

Unter dem Telemedizin-Modell verbirgt sich ein telefonmedizinischer Rufdienst. In der Schweiz haben Patienten die Möglichkeit, Fragen zu ihrer Gesundheit in einer telefonischen Sprechstunde zu stellen. Die Beratungsstelle ist mit medizinischem Personal besetzt und kann eine erste Einschätzung und Empfehlung geben.

Ausserdem kann eine Überweisung an einen Arzt oder direkt ins Spital erfolgen. Auch hier gilt im Falle eines Notfalls keine Bindung an die Beratungsstelle.

In addition to the models mentioned, there are also health insurance companies that specify the hospital. In addition, there may be a provision to collect the medication from a specific pharmacy.

Most health insurance companies offer reduced premiums for the telemedicine model. As a telephone consultation involves less effort than a visit to the doctor, the premiums are significantly lower. In this case, too, it is worth comparing health insurance companies and switching.

Supplementary insurance is part of the all-round insurance package. It is tailored to the individual needs of the insurance carrier. For example, anyone who travels a lot will benefit from travel insurance. Supplementary insurance serves its own benefits independently of basic insurance and is not compulsory.

Before you can switch to another health insurance company, you must cancel your current health insurance. The notice period must be observed. With compulsory basic insurance, you can always switch on January 1 of a year. The notice period is one month. This means that the letter of termination must be received in writing by the previous health insurance company by November 30 of a calendar year.

Exception to the deadline

There are also exceptions that are excluded from this deadline. Anyone who is insured under the standard model of basic insurance and has a free choice of doctor can also terminate their contract on July 1 of a year. However, this only applies to insured persons with a deductible of at least CHF 300. The notice period is three months.

When terminating supplementary insurance policies, a notice period of three to six months must be observed. This can always be done at the end of the year. Supplementary insurance policies are valid for one to five years. As soon as the new insurance company sends confirmation, you can terminate the previous insurance relationship.

The premium reduction

Insured persons can pay lower health insurance premiums thanks to a premium reduction. Part of the premiums are paid by the canton of residence and the federal government. This applies in particular to people with a low income.

The tax return with the amount of taxed income provides information on this. The health insurance fund then calculates a difference. The tax assessment notices from previous years are therefore relevant for the application. The tax data is automatically checked by the canton and the insured person receives a notification of the lower health insurance premiums. In certain cases, this check may not take place.

Health insurance companies tailor their service to the age, place of residence and circumstances of the individual insured person. This means that the choice of health insurance is individually tailored. The health insurance comparison provides information on which health insurance company is best value for money.

The age step

When children grow up and become independent, they may decide to pay their own health insurance premiums. In this case, too, it is worth comparing health insurance companies. This results in either a termination of the current health insurance or an adjustment of the health insurance premiums. A written notification to the health insurance company is sufficient.

A health insurance comparison is always worthwhile when life circumstances change. This includes, for example, moving to another canton or starting a new job. Nevertheless, insured persons can compare health insurance companies every year. Find the cheapest health insurance company by carrying out a health insurance comparison.

Every year again

The Swiss Federal Office of Public Health approves the amount of insurance premiums for policyholders each year. These premiums are calculated on the basis of the calculated costs. This procedure guarantees that costs are covered and provides planning security so that sufficient reserves are available. Of course, increasing insurance premiums can be annoying, but you don't have to accept the increase without objection.

Instead, as an insured person, you should see the premium increase as an incentive to question the status of your health insurance and change it if necessary. With a health insurance comparison, you can quickly and easily determine whether your premiums are too high compared to other insurers.

The valuation of the cash registers

When comparing health insurance companies, the monthly premium and the benefits offered are not the only criteria that influence the choice of health insurance. The support and service provided by health insurance companies in the event of a claim are also very important to many policyholders. For example, the processing time of your inquiries or the clarity of the information provided. There are various institutes and studies that evaluate health insurance companies in different ways. However, it is very difficult for us to say exactly.

Tailored to your personal needs

The right health insurance for you depends first and foremost on your personal needs: you determine which priorities must be met. Our advisors use your requirements as a benchmark for the health insurance comparison. You can then use the health insurance comparison to find out which health insurance company offers the best deal for your needs.

After our advisors have checked the offers from the individual insurers using your details as a basis, they will present you with your options. We will take our time to discuss the results of the health insurance comparison with you. Only then will you decide whether a switch to a cheaper health insurance plan is an option for you.

Smooth processing is part of every health insurance comparison

Obwohl viele Schweizer die im Internet angebotenen Rechner zum
Krankenkassen Vergleich nutzen, schrecken etliche vor dem tatsächlichen Wechsel in eine andere Krankenversicherung zurück.
Ein Wechsel der Grundversicherung ist risikolos und unkompliziert möglich.

Vom Gesetzgeber wurde geregelt, dass Sie weder wegen Ihres Gesundheitszustandes noch wegen Ihres Alters bei der Grundversicherung abgelehnt werden dürfen. Jede Krankenkasse, die in Ihrem Kanton tätig ist, muss Sie als Kunden akzeptieren.

Haben Sie sich nach dem Krankenkassenvergleich für eine Krankenversicherung entschieden, hilft Ihnen Ihr Berater beim Wechsel zu Ihrer neuen Krankenkasse. Das bedeutet für Sie: Wir bereiten sämtliche Unterlagen vor und Sie prüfen diese und müssen lediglich noch abzeichnen.

Somit haben Sie keinen bürokratischen Aufwand mit dem Wechsel zu Ihrer neuen Krankenversicherung. Dabei sind Sie durchgängig und ohne Unterbrechung versichert. Es besteht keinerlei Risiko für Sie.

A change of basic insurance is usually possible at the end of the calendar year. It is important that the insured person observes the notice period of one month. In special cases (normal tariffs with a deduction of CHF 300 and free choice of doctor), basic insurance can also be terminated as of July 1. In this case, the notice period is 3 months.

The most effective way to reduce insurance premiums is to switch to an alternative model. The usual premium discount for basic insurance is up to 25 %. You can also reduce your premiums by increasing your deductibles and switching to another insurance company that is cheaper in your area.

Why a change can be carried out without any problems after a successful comparison;

Together with you, we have found a cheaper provider with the health insurance comparison. You don't need to be afraid of an insurance gap. The new health insurance company is legally obliged to accept you. And if you cancel and the switch is not completed in time, you would automatically continue to be insured with your old health insurance company.

Basic health insurance companies are not allowed to refuse customers on the grounds of age or health problems. This means you can switch easily and without risk.

The professional health insurance comparison for all basic insurance premiums and supplementary insurance from Swiss health insurers. We act as fair advisors for you. Together we will find the best health insurance for your current situation.

Discover potential for optimization

The benefits of compulsory basic health insurance are prescribed by Swiss law and are therefore identical.
and are therefore identical. This guarantees the necessary basic medical care for everyone. A comparison of health insurance companies and a switch to another health insurance company can be worthwhile due to the inconsistent premiums. Premiums vary from canton to canton.
A health insurance comparison is worthwhile for you in any case. Either you can save a lot of money in the future or you can be sure that you are not paying too much for your health insurance. As the benefits of basic insurance do not vary, the cheapest health insurance is usually also the best for you.

Before comparing health insurance companies, you need to determine your personal needs

The right health insurance for you depends first and foremost on your personal needs: you determine which priorities must be met. Our advisors will use your requirements as the basis for the health insurance comparison. You can then use the health insurance comparison to find out which health insurance company offers the best deal for your needs.

After our advisors have checked the offers from the individual insurers using your details as a basis, they will present you with your options. We will take our time to discuss the results of the health insurance comparison with you. Only then will you decide whether a change to a cheaper health insurance is an option for you.

The health insurance comparison in the supplementary insurance sector

Wir ermitteln gemeinsam mit Ihnen in unserem professionellen Krankenkassenvergleich, ob sich der Wechsel zu einer anderen Krankenversicherung für Sie lohnt.

Ein Krankenkassenvergleich ist unsere alltägliche Praxis. Der Wechsel in eine andere Zusatz­versicherung kann nach einem Krankenkassen Vergleich besonders lohnenswert sein.

The costs that you have to pay for health insurance cover with supplementary insurance vary depending on the insurance provider. Which is why you may pay more for the same scope of benefits with one provider than with another.

The supplementary insurance

Zusatzversicherungen unterscheiden sich stark in Leistungen und Prämien von der Grundversicherung. Krankenkassen haben hier mehr Freiheiten, weshalb ein Vergleich sinnvoll ist. Gesetzliche Vorgaben zu Leistungen und Prämien fehlen, daher lohnt sich ein genauer Blick. Mit unserem Vergleich finden wir die passende Zusatzversicherung für Sie.