All health insurers providing compulsory healthcare insurance must assume the same scope of benefits as provided for by law: according to the law, the LAMal only provides effective, practical and economical benefits. Health insurance is compulsory in Switzerland. LaMal health insurance covers all costs associated with the comprehensive treatment of an illness, including the necessary diagnostic measures, medication, preventive care, follow-up care, etc. Basic insurance covers the costs of necessary treatment and medication. Compulsory insurance offers the same benefits in all insurance companies. Assura offers the lowest and most stable premiums on average in Switzerland.
In recent years, we have paid more and more for health insurance, while our salaries have remained the same.
There are many ways to reduce the premium for compulsory health insurance.
Case 1: Exclusion of accident cover
The law on accident insurance stipulates that citizens living in Switzerland and working at least 8 hours per week for an employer are insured by law with the LAA or the SUVA against occupational and non-occupational accidents. Your employer must pay for insurance that protects all employees against occupational and non-occupational accidents. "Read more
Case 2. Choose a higher deductible
In ordinary insurance, the deductible (annual amount with which you participate in the costs) is CHF 300 for adults (CHF 0 for children). You can choose a higher deductible and pay lower premiums.
Case 3. Choosing the family physician model
By choosing your family doctor model, you agree to always consult your family doctor. (Except for emergencies and consultations with an ophthalmologist, dentist and gynecologist), this model offers a lower monthly rate.
Case 4: Family doctor model
By choosing the family doctor model, you agree to always consult your family doctor first, except in the event of an emergency and consultation with an ophthalmologist, a dentist and a gynecologist.
Case 5: check your right to premium reductions
People of modest financial means are entitled to health insurance premium contributions. Here you will find an overview of all health insurance premiums for 2021 per canton.
On average, Assura offers the lowest and most stable premiums in Switzerland. You will find that Assura offers the best rates, with annual savings of over 1000 Swiss francs per person
Would you like to change your health insurance fund?
> Do you need help with the transition? Do you feel lost in the face of all the information and bureaucracy? “Find out more
Have you just moved to Switzerland?
Health insurance is compulsory in Switzerland. You must therefore take out insurance if you are domiciled in Switzerland. The insurance cover is individual.
Three month period
You must take out your health insurance within three months of your arrival in Switzerland. The competent cantonal authorities monitor compliance with the insurance obligation, which in most cases requires a copy of the policy or a copy of the insurance card.
Health insurance – costs and benefits?
As an insured, you must pay a monthly premium for health insurance. The cost of premiums is not the same for everyone; it depends on the health insurance company, the place of residence and the age of the insured. For children and young people, the premiums are cheaper.
What is the deductible?
The deductible is the annual amount you must contribute to the cost of medical services; the compulsory deductible is CHF 300 for adults and none for children. When this amount is reached, the health insurance company pays benefits. You can choose a higher deductible and pay lower premiums.
We are at your disposal for any questions or additional information. To make your quality of life more comfortable and enjoyable. With our advisors you will find comprehensive insurance solutions that can be flexibly adapted to your needs.
