Health insurance: Special types of insurance

The insured person can opt to increase the deductible freely. With a higher optional deductible the insured person obtains a premium discount accordingly. In agreement with the insurance company the insured person can limit the right of choice of service provider which are then chosen by the insurance company in view of a more cost-effective care. This results in a premium reduction. By choosing a bonus model the insured person benefits from a sinking premium in case the person does not claim services during a certain period of time.

Reduced premiums for special types of insurance

  • Restricted choice of service providers
  • Higher deductible
  • Bonus insurance

The special types of insurance are not available for policyholders resident in the EU/EFTA or United Kingdom (UK).

Last modification 27.06.2023

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Federal Office of Public Health FOPH
Health and Accident Insurance Directorate
Governance Supervision Section
Schwarzenburgstrasse 157
3003 Bern
Tel. +41 58 462 21 11

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