Compare 2027 basic premiums, then build supplementary cover around your health priorities—not just the monthly price.
01Where do you live, and who needs cover?
02Which deductible and treatment model suit you?
03Do you need dental, hospital or alternative-medicine cover?
Start with the essentials, explore the trade-offs, then compare written terms for your situation.
Basic insurance covers statutory benefits; the treatment model controls your first point of contact. Supplementary insurance is a separate contract for selected additional benefits. You can compare these layers separately and ask whether keeping them with different insurers suits you. A low basic premium does not tell you whether a supplementary package meets your needs.
Compare general, semi-private, private and flexible arrangements by hospital and doctor access, recognised establishments, prior approval and your own contribution. A flexible policy may require you to choose the ward at admission and pay a share of upgraded care. Ask for a worked example, including any annual maximum on your contribution.
For each offer, compare reimbursement percentage, annual ceiling, eligible treatments, age rules and any dental examination or questionnaire. Do not assume braces already recommended will be accepted. A large advertised ceiling may still come with a percentage contribution, restrictions or waiting period. Obtain written terms before committing to treatment.
Check alternative medicine by recognised therapist and treatment, glasses by reimbursement frequency, and prevention or fitness by approved provider. For travel, separate emergency treatment from transport and repatriation. For maternity, review benefit-specific waiting periods and hospital access. A bundle should be assessed against your likely use, not its number of features.
Supplementary insurers may assess health, exclude benefits or refuse an application. Wait for written acceptance, with its effective date and reservations, before cancelling existing cover. For basic insurance, compare the annual premium together with deductible and other out-of-pocket costs. Keep a reserve that allows you to pay a medical bill when it arrives.
| Option or layer | What to understand and check |
|---|---|
| Basic insurance | Statutory benefits; compare model rules, premium and deductible. |
| Supplementary insurance | Contractual benefits; compare acceptance, exclusions, limits and duration. |
| Hospital / dental / outpatient | Separate priorities and check each benefit rather than the package name. |
Only the written acceptance and policy establish what is covered. Declare requested information accurately and check every reservation.
If you work at least eight hours per week for the same Swiss employer, you generally have non-occupational accident cover under the accident-insurance scheme. Verify your cover before requesting suspension; reassess it when employment changes.
Basic insurance benefits are set by law. Compare the premium and access rules.
Supplementary benefits, exclusions and acceptance depend on the insurer. Obtain written acceptance before cancelling existing cover.
For an ordinary year-end basic switch, the cancellation must reach the insurer by 30 November. Check your situation and the contractual deadlines for supplementary cover.
Separate holidays, planned treatment and relocation.
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Acceptance, exclusions and timing matter more than a headline saving.
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Separate reimbursement ceilings, admission conditions and treatment eligibility.
Read article →Yes. A first conversation of around 20–30 minutes is free and without obligation. Any further fees are explained before you agree.
No. Tools provide information or estimates. Personal advice, underwriting, policy terms and lender approval remain necessary where applicable.
Yes. We start by understanding your existing arrangements, then compare the relevant alternatives and switching conditions.
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