Key points at a glance

You will receive your new premium invoice by mid-December 2024. From 2025, you will receive your invoice at the start of each month and not as previously at the end of the month.

In addition to rising healthcare costs, age can also affect your premiums. If you’ve already come of age, you may have noticed that your health insurance premium is suddenly much higher. It’s the same with all health insurers and depends on your age. There are two ages when your premiums increase significantly.

Increasing health 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’re reducing health costs:

With innovative services in the Sanitas Portal (Symptom Check, mental health guide, Sanitas Active, health advice)

By publishing practical content on preventive care and health promotion in our online magazine

By conducting regular invoice checks 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.

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.

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.

General rules apply for young adults: During a first course of study, they receive a premium subsidy until they complete their education. Young adults aged 18 and over are subject to their own tax factors, even if they live with their parents.

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.

Switching basic insurance

You can switch health insurer with effect 1 January each year. If you have chosen an insurance model with the lowest deductible (adults: CHF 300, children: CHF 0) and free choice of doctor, you can also switch with effect from 1 July. Are you new to Switzerland? You’ll find all the information you need about taking out insurance here.

Switching supplementary insurance

If you don’t yet have supplementary insurance or you want to keep your existing insurance cover, you can take out supplementary insurance with Sanitas at any time. If you want to terminate your current supplementary insurance and switch to Sanitas, please note your current insurer’s deadlines for termination.

No. You must terminate your health insurance in writing. All health insurers accept notice of termination by post. Some 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.

Yes. You can take out and terminate supplementary insurance plans independent of basic insurance. Simply note your wish on the termination letter to your health insurance company.

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. 

Your insurance card will be sent to you by post. This can take up to six weeks. 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: with the Sanitas Portal, you always have your insurance card to hand. All it takes is a gentle shake to make your insurance card appear in the app. You can activate the shake function in the app settings. You can download the Sanitas Portal as an app here.

More information on your insurance card can be found here.